Compare Delta business credit cards

American Express offers three Delta business credit cards, each aimed at how frequently you fly for business and your annual businessWelcome offer spending. We’ve broken down their strengths and features to help you choose the best one for you.

Delta business credit cards: Benefits compared

	Delta SkyMiles® Gold Business American Express Card	Delta SkyMiles® Platinum Business American Express Card	Delta SkyMiles® Reserve Business American Express Card
Annual fee	$0 intro annual fee for the first year, then $99(Terms apply, see rates & fees)	$250(Terms apply, see rates & fees)	$550(Terms apply, see rates & fees)
Welcome offer	50,000 miles plus a $50 statement credit after you spend $2,000 within the first 3 months.	60,000 miles, 10,000 MQMs, and a $100 statement credit after you spend $3,000 within the first 3 months.	60,000 miles, 20,000 MQMs and a $200 statement credit after you spend $4,000 within the first 3 months.
Rewards	2x miles on: Delta purchases US advertising in select media US shipping Restaurant purchases 1x miles on other eligible purchases	3x miles on Delta purchases and purchases made directly with hotels 1.5x miles on eligible purchases over $3,000 (up to 50K miles per calendar year 1x miles on other eligible purchases	3x miles on Delta purchases 1.5x miles on eligible purchases after you spend $150,000 in a calendar year 1x miles on other eligible purchases
First free checked bag
Main Cabin 1 priority boarding
20% inflight savings
Flight voucher	100 off a Delta flight after you spend $10,000 on your card in a calendar year
Flight voucher		Domestic Main Cabin round-trip companion certificate each year after card renewal	Domestic First Class, Delta Comfort+ or Main Cabin round-trip companion certificate each year after card renewal
No foreign transaction fees
Status Boost		10,000 MQMs after you spend $25,000 on your card in a calendar year. Valid up to two times a year	15,000 MQMs after you spend $30,000 on purchases in a calendar year. Valid up to four times a year
Airport lounge access		Per-visit rate of $39/person for you and up to two companions	Complimentary access to Delta Sky Clubs Per-visit rate of $39/person for up to two guests Complimentary access to The Centurion Lounge Two Delta Sky Club one-time guest passes every card year
Global Entry/TSA PreCheck application fee credit		Credit renews every 4 years for Global Entry; 4.5 years for TSA PreCheck	Credit renews every 4 years for Global Entry; 4.5 years for TSA PreCheck
Complimentary upgrades			Get on the Complimentary Upgrade list after Medallion Members
Concierge			Concierge for Reserve
Baggage Insurance Plan	Up to $1,250 for carry-on baggage; up to $500 for checked baggage	Up to $1,250 for carry-on baggage; up to $500 for checked baggage	Up to $1,250 for carry-on baggage; up to $500 for checked baggage
Car rental loss and damage insurance	Up to $50,000 in coverage per rental agreement	Up to $50,000 in coverage per rental agreement	Up to $75,000 in coverage per rental agreement
Trip delay insurance		Up to $300 per covered trip and 2 claims per card per 12 consecutive months	Up to $500 per covered trip and 2 claims per card per 12 consecutive months
Trip cancellation and interruption insurance			Coverage up to $10,000 per trip and up to $10,000 per card per 12 consecutive months

Overview of Delta business credit cards

Depending on how often you fly and how you spend, you may benefit from one of the three business Delta cards offered by American Express.

Delta SkyMiles® Gold Business American Express Card

Finder rating 4.4 / 5 ★★★★★

Read reviewTerms apply, see rates & fees

Business owners who occasionally travel with Delta Air Lines could save money with this card. Miles earning are on par with more expensive similar cards, and you can redeem miles for Delta flights and partner flights.

• Pros and cons

  Pros

  • Get this card if. You're an occasional flyer.
  • Rewards. Earn 2x miles on eligible Delta, US advertising, US shipping and restaurant purchases. Earn 1x miles on other eligible purchases.
  • First checked bag free. You will pay for the annual fee with the money you save on first checked bags once you make two round trips a year.
  • Main Cabin 1 Priority Boarding. Board the plane quicker with priority boarding.

  Cons

  • No balance transfers. Typically, business credit cards allow balance transfers. However, that's not the case with Delta SkyMiles&reg
  • business cards.
  • Annual fee. American Express offers an intro annual fee for your first year, but you'll pay $99 each year after to use the card.

• More details

  Annual fee	$0 intro annual fee for the first year ($99 thereafter)
  Purchase APR	15.74% to 24.74% variable
  Balance transfer APR	N/A
  Welcome Offer	Welcome Offer: Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  Estimated welcome offer value	$980 based on Finder's valuation
  Rewards	2x miles

Welcome Offer	$50 miles
Rewards	2x miles
Annual Fee	$99 ongoing
Minimum Credit Score	670

Read reviewTerms apply, see rates & fees

Delta SkyMiles® Platinum Business American Express Card

Finder rating 4.6 / 5 ★★★★★

Read reviewTerms apply, see rates & fees

Business owners who often fly Delta and spend between $30,000 and $50,000 per year with their card could find the Delta SkyMiles® Platinum Business American Express Card more valuable than the other two Delta cards. You get all the perks and benefits of the entry-level Delta SkyMiles® Platinum Business American Express Card, plus you get a better welcome offer.

• Pros and cons

  Pros

  • Get this card if. You're a frequent flyer
  • Rewards. Earn 3x miles on eligible Delta and hotel purchases. Earn 1.5x miles on eligible purchases over $5,000, up to 50,000 miles per calendar year. Earn 1x miles on other eligible purchases.
  • Status boost. Spend $25,000 in one calendar year and earn 10,000 Medallion Qualification Miles (MQMs). Spend an additional $25,000 within the year and earn another 10,000 MQMs.
  • Companion certificate. Receive a Domestic Main Cabin round-trip companion certificate each year after card renewal.

  Cons

  • Annual fee. To get all the benefits this card offers, you'll have to pay a $250 annual fee. However, if you make at least four round trips per year, you'll offset the annual fee with the first checked bag free perk alone.
  • Avoid late payments. You'll pay fees up to $39 for late payments. If you make two late or returned payments in 12 months, Amex will stick you with a penalty APR of 29.24% variable. You'll need to make 12 consecutive timely payments to remove the penalty APR.

• More details

  Annual fee	$250
  Purchase APR	15.74% to 24.74% variable
  Balance transfer APR	N/A
  Welcome Offer	Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
  Estimated welcome offer value	$840 based on Finder's valuation
  Rewards	3x miles

Welcome Offer	$100 miles
Rewards	3x miles
Annual Fee	$250
Minimum Credit Score	670

Read reviewTerms apply, see rates & fees

Delta SkyMiles® Reserve Business American Express Card

Finder rating 4.3 / 5 ★★★★★

Read reviewTerms apply, see rates & fees

Business owners who spend more than $50,000 per year, and who want the ultimate benefits when flying Delta, may find the Delta SkyMiles® Reserve Business American Express Card has good value. You get complimentary Delta Sky Club access, a Global Entry or TSA Pre✔ fee credit and access to complimentary upgrades.

• Pros and cons

  Pros

  • Get this card if. You're the ultimate flyer.
  • Airport lounge access. Get complimentary access to Delta Sky Club. Get a per-visit rate of $39/person for up to two companions when you visit the lounge. Each card year, receive two one-time guest passes for the Delta Sky Club. Also, get access to The Centurion Lounge when flying with Delta.
  • Status boost. Spend $30,000 in a year and earn 15,000 MQMs. You can do this up to four times a year.
  • Companion certificate. Each year you renew your card, get a Domestic First-Class, Delta Comfort+ or Main Cabin round-trip companion certificate.

  Cons

  • Annual fee. To own the Delta SkyMiles&reg
  • Reserve Business American Express Card, you'll have to pay $550 per year. If you frequently fly on Delta and you often visit Delta Sky Clubs&reg
  • , your benefits will likely outweigh the annual fee.
  • Penalty APR. You'll be charged a penalty APR of 29.99% variable if you make 2 or more late payments in a 12-month period, don't pay the minimum payment due by the closing date of the billing period or make a payment that's returned.

• More details

  Annual fee	$550
  Purchase APR	15.74% to 24.74% variable
  Balance transfer APR	N/A
  Welcome Offer	Welcome Offer: Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months. With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
  Estimated welcome offer value	$700 based on Finder's valuation
  Rewards	3x miles

Welcome Offer	$100 miles
Rewards	3x miles
Annual Fee	$550
Minimum Credit Score	670

Read reviewTerms apply, see rates & fees

Pairing a Delta business card with a Delta personal card

With the variety of Delta cards available, you might wonder if it’s worth getting both a Delta business card and a Delta personal card.

There are some instances where you could make a case for this. For example, the Delta SkyMiles® Platinum Business American Express Card doesn’t offer bonus rewards at restaurants or US supermarkets, while the Delta SkyMiles® Gold American Express Card does. Thus, you might find a reason to have both cards if you’re trying to earn bonus miles in more categories.

However, the vast majority of consumers won’t find a good reason to get both a business and a personal Delta card. That’s because the business cards already come with many features, and getting a personal card would simply give you access to benefits you already have. Instead of getting two Delta cards, consider complementing your existing card with a product that offers bonus rewards in your favorite categories.

Here are a few credit cards that pair well with Delta business cards

• The $95-annual-fee Amex EveryDay® Preferred Credit Card offers bonus rewards at US supermarkets and US gas stations — two categories Delta’s business cards don’t offer accelerated miles for. The card offers Membership Rewards points, which you can transfer to Delta at a 1:1 ratio.
• If you want another business card, the no-annual-fee The Blue Business® Plus Credit Card from American Express can be a good choice. You’ll earn 2x Membership Rewards points on eligible purchases for up to $50,000 in spending each calendar year, then 1x points. Then, you can transfer these points to Delta if you wish.
• If you don’t want to deal with any more bonus categories, it’s hard to go wrong with the no-annual-fee Citi® Double Cash Card. You’ll earn unlimited 1% cash back on all purchases, and another 1% as you pay them off.

Business-card options for other airlines

Two of Delta’s biggest competitors, United and American Airlines, offer their own business credit cards. These include:

• United℠ Business Card
• United Club℠ Business Card
• CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
• AAdvantage® Aviator® Business Mastercard®

United offers a midtier and premium option, while American Airlines keeps the focus squarely on the midtier price range.

There are other business-card options from other airlines, such as the Southwest Rapid Rewards® Performance Business Credit Card, Alaska Airlines Visa® Business credit card and JetBlue Business Card.

Bottom line

Picking a Delta business card is easy — just consider how often you fly and what kind of benefits you’d like to earn. If you frequently fly, one of the top-tier cards may suit you better.

But if you’re not sure whether an airline credit card would be the right choice, compare the best travel business credit cards until you find the perfect fit for your company finances.

Frequently asked questions

• Can I use miles to book a flight for another airline?

  Yes, you can book an award flight through Delta’s website with the following airlines:

  • Aeroflot
  • Aerolineas Argentina
  • Aeromexico
  • Air France
  • Alitalia
  • China Airlines
  • China Eastern
  • China Southern
  • Garuda Indonesia
  • GOL
  • Hawaiian Airlines
  • Jet Airways

  • KLM
  • Korean Air
  • Mandarin Airlines
  • Middle East Airlines
  • Saudia
  • Shanghai Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Virgin Atlantic
  • Virgin Australia
  • WestJet
  • Xiamen Airlines

• How much are SkyMiles worth?

  The value of SkyMiles depends on what you redeem them for. According to the SkyMiles website, as of September 2018, miles can be redeemed at the following values:

  • Shopping — one mile is worth 0.5 cents.
  • Gift cards — one mile is worth 0.7 cents.
  • Flights — one mile is worth more than 1 cent.

• How can I earn more miles?

  There are many strategies to earn Delta SkyMiles quickly. One way is to pair a personal Delta credit card with your Delta business credit card. For example, the Delta SkyMiles® Blue American Express Card earns 2x miles at restaurants. The Delta SkyMiles® Platinum Business American Express Card and Delta SkyMiles® Platinum Business American Express Card don’t earn extra points at restaurants, so pairing them with the Delta SkyMiles® Blue American Express Card would help you earn more when you’re dinning out.

• What is a Medallion status?

  This is a tiered program for Delta’s most loyal customers where you get benefits unavailable to other travelers.

• How do I reach Medallion status?

  Reach Medallion status by earning Medallion Qualification Miles, Medallion Qualification Segments and Medallion Qualification Dollars.

  • Earn Medallion® Qualification Miles from the distance you fly and your ticket fare class.
  • Earn Medallion® Qualification Segments based on the number of flights you take.
  • Earn Medallion® Qualification Dollars based on the amount you spend on Delta and its partners’ flights.