American Express Platinum Delta SkyMiles Business Credit Card Review

Milana Vrachar's picture
American Express Platinum Delta SkyMiles Business Credit Card fact

Small business owners who value Delta SkyMiles, and want a credit card that will help them boost their mileage balance might want to consider the Platinum Delta SkyMiless Business credit card from American Express. This credit card comes with some valuable benefits, but just like any other Delta SkyMiles credit card, a mediocre earning scheme. Yet, big spenders can easily score up 55,000 bonus miles, and up to 25,000 Medallion Qualification Miles. Not only are the bonus miles enough for up to five short-distance award flights, but those 25,000 MQMs will help you reach Silver Medallion status before you know it! With that in mind, let’s see whether getting this credit card is worth it!

OverviewPlatinum Delta SkyMiles Business credit card
• Earn 5,000 MQMs and 35,000 bonus miles after you spend $1,000 within the first three months.
• Earn a $100 statement credit after you make a Delta purchase within the same three-month period.
• Earn 2x miles on Delta purchases.
• Earn 1x mile on all other purchases.

Service & Benefits
• Annual Miles Boost.
• Companion Airfare.
• Free checked bags on Delta flights.
• Priority Boarding with Delta.
• 20% In-Flight Savings.
• Reduced Delta Sky Club Access.
• Free employee cards.
• Amex OPEN benefits.
• Entertainment Access.
• Year-End Summary.

Security & Protection
• Car Rental Loss and Damage Insurance.
• Baggage Insurance.
• Travel Accident Insurance.
• Global Assist Hotline.
• Roadside Assistance.
• Purchase Protection.
• Extended Warranty.

• $195 annual fee.
• No foreign transaction fees.
• Purchase APR: 15.99%, 17.99, or 19.99%.
• Cash advance APR: 25.99%.
• Cash advance transaction fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
• Penalty fees:
      - Late payment: Up to $38.
     - Returned payment: Up to $38.
     - Penalty APR: 29.99%.
     - No over-the-credit-limit fee.

What We Like
A quicker way toward Medallion

With Annual MilesBoost, American Express Platinum Delta SkyMiles Business cardholders will earn 10,000 bonus miles and 10,000 MQMs after they spend $25,000 in a calendar year. There’s another round of bonus miles and MQMs in store for those who spend $50,000 or more on the card. This is where it gets more interesting: with 20,000 MQMs earned on your annual spending, and those 5,000 MQMs from the signup bonus offer, you will be so close to reaching Delta Silver Medallion status, and enjoying these benefits:

All you need to do to finally become Silver is to spend $3,000 on Delta tickets, i.e. earn $3,000 MQDs. You can earn those by purchasing, for example, three Business-class tickets between New York and San Francisco, or many more affordable one-ways or roundtrips, depending on your needs, of course. Since Delta is not cheap, so you will easily earn the required amount of MQDs.

Up to 55,000 bonus miles = Up to 5 award flights
Delta one-way award fares start at 10,000 miles within the U.S. 48 and Alaska, meaning that the bonus points you can earn by meeting certain spending requirements ($1,000 within the first three months, $25,000 or $50,000 in a year) can be redeemed for up to five short-distance flights with Delta! But, if you thought that finding 10,000-mile flights was easy as pie, they you were mistaken. However, you can always try calling Delta’s customer service, and see whether they can dig for some available low-mile flights. On the brighter side, Delta’s offering SkyMiles deals all the time, and sometimes you will find one-way fares for as little as 5,000 miles!

With so many bonus miles, you can fly all across the U.S. – if you’re lucky, you’ll find award tickets between NYC and SF for only 25,000 miles, or 50,000 SkyMiles for a Delta Comfort experience. Unfortunately, a trip to Paris from NYC would cost you at least 100,000 miles – or 80,000 if flying from SFO, so you can’t only count on bonus miles to get you there – you’d still need to do some spending to earn those miles!

Tip: Whatever you do, make sure you get the best value for your miles! Anything below 1 cent per mile is bad! Anything above 1.2 cent per mile is great.

Exclusive privileges on Delta flights
As a cardholder, each time you fly with Delta or Delta Connection, you will enjoy benefits that will save you both time and money. It all starts before departure: from reduced SkyClub access ($29 instead of $59 for you and up to two guests) to Zone 1 Priority Boarding, following on with free first checked bags, and in-flight savings. Delta usually charges $25 for first checked bags, so each person will save up to $50 per roundtrip. If you’re traveling with your employees, then your company won’t need to cover those expenses, since this benefit is available for up to nine people traveling on the same reservation, cardholder included. Of course, on select flights to Asia, Africa, Latin America, and Europe, passengers do not pay for first checked bags, but if you’re traveling within the U.S., to Canada, Central America or Brazil, you’ll find this benefit quite valuable. Additionally, Delta is offering a 20% discount on food, alcohol and audio headset purchases to all Delta card members. Again, if you’re a domestic traveler, you’ll be able to buy food at a lower price – the stingy Delta only offers free meals on certain long-haul international flights.

Companion Certificate
Each year you renew your credit card account, you will receive a companion certificate, valid for one round-trip main cabin ticket (L, U, T, X, V classes) for flights within the U.S., Puerto Rico, Hawaii, and the USVI. You and your travel companion must travel on the same dates and flights. Keep in mind the certificate is valid for one year after it’s been issued. While the first checked bag is free, you would still have to pay any applicable taxes and fees.

Amex OPEN benefits
With OPEN features, tools, and Forum, you will manage your credit card with more ease and less stress. You can keep track of your transactions and receipts thanks to ReceiptMatch, set up alerts to avoid late payments or prevent suspicious activities, view online statements, even while on the go thanks to mobile and tablet apps Amex has designed especially for you, or check out OPEN Forum to find many useful resources, including articles, tips, and information to help you run your business smoothly and in line with the latest trends.

No FX fees
The only benefit provided to international travelers would be this one, bonus miles excluded. The fact that you will save money on purchases made in a foreign currency – whether it be abroad or online – gives an extra value to this credit card, especially if you do intend to use it for business purposes and you have many international partners, suppliers, etc., which all requires you to make payments outside the $ zone.

What We Like Less
Too great cost for too limited perks

As I’ve said it several times already, this credit card is of no use if you’re traveling outside the States, because:
• There’s no Global Entry or TSA Pre✓ ® application fee credit.
• Free first checked bags and meals are included on most of international Delta flights.
• You won’t get far with bonus miles if you’ve got your eyes set on long-distance award flights.
• You can’t use the companion certificate to visit London, Stockholm, Moscow or Tokyo, for example.

Additionally, card members can’t take advantage of this credit card’s benefits unless they’re flying Delta. While this is logical, for a $195 credit card, it is also unacceptable not to offer more flexible perks.

As far as the priority boarding benefit is concerned, you should know that Zone 1 Priority Boarding passengers aren’t the first ones to board. There are Pre-Boarding, Premium Boarding, and Sky Priority Boarding zones that all come before Zone 1. You will still have to wait for a while before getting on that plane.

Last, but not least, there are around 50 Delta SkyClub lounges, and no more than three abroad, so even if you wanted to freshen up and relax in a Delta SkyClub lounge before your flight, you might not be able to find any at the airport you’re at. However, if you do manage to come across one, you will save $30 per person – or up to $90 per visit, every time.

Whom is this card good for?
• Huge Delta fans who rarely travel internationally.

Who should not get this card?
• Anyone else should keep on looking for another credit card.

Which card should I get if I don’t like this one?
1. Gold Delta SkyMiles® Business Credit Card
If you want a Delta credit card for business, then you might want to consider the Gold Delta SkyMiles Business. This one comes with a $95 annual fee that’s waived for the first year. It provides the same benefits as the Amex Platinum Delta SkyMiles Business does, the only exception being the welcome offer. The Gold Delta SkyMiles Business offers 30,000 bonus miles and a $50 statement credit when you spend $1,000 within the first three months, unlike the Platinum version, which offers MQMs as well.

2. The Enhanced Business Platinum Card®
If you want a business card from American Express, then you should invest $250 and get the Enhanced Business Platinum card, because it’s with this one that you will experience truly valuable benefits and advantages of having such an amazing product. Each time you use your card to make purchases, you will have the opportunity to earn Membership Rewards points – up to 5x points at, and up to 75,000 bonus points within the first three months, in addition to numerous bonus categories. Not to mention a suite of exclusive benefits, such as American Express Global Lounge Collection access, a $200 airline credit and a 50%-point rebate with your chosen airline, a Global Entry or TSA Pre✔ application fee credit, complimentary benefits at Fine Hotels & Resorts, SPG Gold status, GoGo and Boingo Internet, Business Platinum Card Concierge, and so much more! If you’re a Delta fan, you will be more than happy to hear that you will have complimentary access to Delta SkyClub lounges, and enjoy a 20% discount when you book an eligible Delta flight. The Enhanced Business Platinum is definitely one of the best business-travel cards on the market.

3. Ink Business Preferred credit card
Chase offers a decent rewards credit card for business owners looking for a way to score points on their purchases and enjoy incredible rewards as members of a frequent traveler program. The Ink Business Preferred comes with an 80,000-point bonus worth $1,000 in travel redemptions, 3x points on the first $150,000 spent on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines, and 1x point on all other purchases. You can redeem your points for a variety of rewards, including travel, cash back, or purchases. Additionally, you can transfer your Ultimate Rewards points to select frequent traveler programs, including BA, United, Southwest, Marriott, Hyatt, and IHG. With no FX fees, great travel and purchase coverage, and free employee cards, you will save money while enjoying valuable benefits at the same time.

Bottom Line
The American Express Platinum Delta SkyMiles Business credit card might seem like a good option for loyal Delta customers, although it’s not worth the cost unless you’d never consider flying with another carrier. The benefits provided on this product are both airline and geographically limited, which slightly devaluates the overall offer. Except for the annual miles boost, and the signup bonus, nothing makes this credit card stand out.

the Platinum Delta SkyMiless Business credit card from American Express. This credit card comes with some valuable benefits, but just like any other Delta SkyMiles credit card, a mediocre earning scheme. Yet, big spenders can easily score up 55,000 bonus miles, and up to 25,000 Medallion Qualification Miles." data-share-imageurl="">