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Compare Delta business credit cards
Business owners who fly Delta could benefit from these travel 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.
Quick look at Delta business credit cards
Delta SkyMiles® Gold Business American Express Card
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
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.
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
- 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)|
|Rewards||2x miles on:|
|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|
|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.
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.
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.
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