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Which Delta business credit card is best for you? – October 2018

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Business owners who fly Delta could benefit from these travel cards.

American Express offers three Delta business credit cards, each aimed at how frequently you fly for business and your annual business spending. Regardless of the card you select, if you fly often, you’ll offset the annual fee.

Aside from Delta-specific perks, you’ll get general travel benefits. Plus, you get American Express OPEN benefits, which let you manage your account and expenses, set alerts or connect to QuickBooks.

Though, these are not balance transfer cards, and making late payments cost you.

Compare Delta business credit cards

Updated October 22nd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.74%, 21.74% or 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new Card within your first 3 months. Special Offer Expires: 9/19/2018
17.74%, 21.74% or 26.74% variable
0% for the first 6 months (then 17.74%, 21.74% or 26.74% variable)
$195
Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.
17.74%, 21.74% or 26.74% variable
0% for the first 6 months (then 17.74%, 21.74% or 26.74% variable)
$450
Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months.

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Best Delta business credit cards

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

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Best for the occasional flyer: Gold Delta SkyMiles® Business Credit Card

Gold Delta SkyMiles® Business Credit Card
Gold Delta SkyMiles® Business Credit Card

Who should get this card?

Business owners who occasionally travel with Delta Air Lines could save money with this card. Miles earning are on par with its more expensive sibling cards, and you can redeem miles for Delta and partner flights. In addition, you’ll pay for the annual fee with the money you save on first checked bags once you make two round trips a year.


Best for the frequent flyer: Platinum Delta SkyMiles® Business Credit Card

Platinum Delta SkyMiles® Business Credit Card
Platinum Delta SkyMiles® Business Credit Card

Who should get this card?

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

With this card, you can easily reach Silver Medallion status and enjoy premium perks like unlimited complimentary seat upgrades, preferred seats, priority check-in, discounts on Delta vacations and benefits at SkyTeam partner airlines.


Best for the ultimate flyer: Delta Reserve for Business Credit Card®

Who should get this card?

Business owners who spend more than $50,000 per year, and who want the ultimate benefits when flying Delta, may find the Delta Reserve for Business Credit Card® has the best value. In addition to all the perks and benefits of the Platinum Delta SkyMiles® Business Credit Card, you get complimentary Delta Sky Club access, a dedicated concierge service and a miles boost when you spend $60,000 in a calendar year.

With this perk, you’ll quickly reach Gold Medallion status or higher, and you’ll get even better perks, such as higher mile earnings on Delta flights, unlimited complimentary seat upgrades, expedited baggage service, priority security line access, priority baggage handling, SkyTeam lounge access and higher status in the Hertz car rental program.


Compare business credit cards

Updated October 22nd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
20.24% variable
$0 annual fee for the first year ($175 thereafter)
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
17.74% to 22.74% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
17.74% to 24.74% variable
$0 annual fee for the first year ($99 thereafter)
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
0% for the first 9 months (then 17.74% to 24.74% variable)
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.99% to 25.99% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Compare up to 4 providers

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.

For the occasional flyer, the Gold Delta SkyMiles® Business Credit Card could be the best option. You’ll offset the annual fee with the first checked bag free perk after two round trips and you can earn free flights.

If you frequently fly with Delta and you spend between $30,000 and $50,000, the Platinum Delta SkyMiles® Business Credit Card gets you the perks of the Gold Delta SkyMiles® Business Credit Card and a companion ticket, earning you MQMs to help you reach a Medallion status.

The Delta Reserve for Business Credit Card® is aimed at the business owner who spends more than $50,000 annually, and who wants the best out of the flyer program. You get all the Platinum Delta SkyMiles® Business Credit Card perks plus complimentary Delta Sky Club access, premium roadside assistance and more.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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