Compare Delta business credit cards

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

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• Get this card if: You’re an occasional flyer.

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.

• 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’ll 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.

Delta SkyMiles® Platinum Business American Express Card

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• Get this card if: You’re a frequent flyer.

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® Gold Business American Express Card, plus you get a better welcome offer.

• 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.

Delta SkyMiles® Reserve Business American Express Card

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• Get this card if: You’re the ultimate flyer.

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.

• 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.

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(see rates & fees)	$250(see rates & fees)	$550(see rates & fees)
Welcome offer	40,000 miles after you spend $2,000 within the first 3 months	45,000 miles and 5,000 MQMs after you spend $3,000 within the first 3 months $100 statement credit after you make a Delta purchase in the first 3 months	45,000 miles and 10,000 MQMs 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

Which Delta business credit card should I get?

If you’re still not sure which Delta credit card to choose, consider the following:

• For the occasional flyer who spends less than $30,000, the Delta SkyMiles® Gold Business American Express Card could be a strong option. You’ll offset the annual fee with the first checked bag free perk after two round trips and you can earn reward flights.
• If you frequently fly with Delta and you spend between $30,000 and $50,000, the Delta SkyMiles® Platinum Business American Express Card gets you the perks of the Delta SkyMiles® Gold Business American Express Card and a companion ticket, earning you MQMs to help you reach a Medallion status.
• The business owner who spends more than $50,000 annually and who wants premium perks could find the Delta SkyMiles® Reserve Business American Express Card most useful. You get complimentary Delta Sky Club and The Centurion Lounge access, status boost and more.

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.

Compare Delta business credit cards

To find the right Delta business credit card for your business, make sure you compare the perks and the annual fee. If the value you get outweighs the annual fee, that card may be a good choice.

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Name	Product	Rewards	Purchase APR	Annual fee
Delta SkyMiles® Gold Business American Express Card		2x miles on Delta, US shipping, select US advertising and at restaurants and 1x miles on all other purchases	15.74% to 24.74% variable	$0 intro annual fee for the first year ($99 thereafter)	Earn 40,000 miles after spending $2,000 in the first 3 months. Rates & fees	View details	Compare	loading Fetching your data...
Delta SkyMiles® Platinum Business American Express Card		3x miles on direct Delta and hotel purchases, 1.5x miles on single purchases over $5,000 up to 50,000 miles per year, and 1x miles on all other purchases	15.74% to 24.74% variable	$250	Earn 45,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months, plus earn $100 after your first Delta purchase in the same timeline. Rates & fees	View details	Compare	loading Fetching your data...
Delta SkyMiles® Reserve Business American Express Card		3x miles on direct Delta purchases and 1x miles on all other purchases on up to $150,000 in a calendar year, then 1.5x miles on non-Delta purchases the rest of the year	15.74% to 24.74% variable	$550	Earn 45,000 miles and 10,000 MQMs after spending $4,000 in the first 3 months. Rates & fees	View details	Compare	loading Fetching your data...

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Typical perks of Delta business credit cards

You get some Delta-specific perks with all of these cards. You’ll also get general travel benefits and American Express business benefits, which let you manage your account and expenses, and set alerts. These are some of the typical Delta business credit cards’ features:

• Earn miles.
  Earn 2 to 3 miles on Delta purchases and 1x miles on everything else using your Delta business card. You can earn more Delta miles — between an additional 5x and 11x on Delta purchases –depending on your Medallion Status in Delta SkyMiles.
• No foreign transaction fees.
  Use your Delta business credit cards abroad or online with foreign merchants and you won’t incur foreign transaction fees.
• First checked bag fee.
  Save up to $60 on a round trip for you and your passengers traveling on the same reservation. Two round trips in a year offset the annual fee.
• Priority boarding.
  Get Zone 1 priority boarding. Without the card, you’ll pay $15 per flight to use this perk.
• In-flight savings.
  Save 20% for in-flight purchases on Delta operated flights, which you’ll get as a statement credit to your account.
• Travel benefits.
  Get baggage insurance, global assist hotline and more.
• Expense management tools.
  Designate an account manager, use the American Express® Business App, set account alerts and get a year-end account summary.

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.