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80,000
Miles as welcome offer
Up to 3x
Miles
$250
Annual fee
17.24% to 26.24%
Purchase APR (variable)
| Product Name | Delta SkyMiles® Platinum Business American Express Card |
|---|---|
| Card type | American Express |
| Annual fee | $250 |
| Purchase APR | 17.24% to 26.24% variable |
| Balance transfer APR | N/A |
| Cash advance rate | 26.74% variable |
| Cash advance fee | $5 or 3% of the cash advance amount, whichever is greater |
| Penalty APR | 29.99% variable |
| Foreign transaction fee | None |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $39 |
| Returned payment fee | Up to $39 |
| Rates & fees | rates & fees |
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
The Delta SkyMiles® Platinum Business American Express Card is the mid-tier card of the Delta suite of cards. It has a $250 annual fee and a rewards program with 3x miles on Delta purchases and hotels and 1x miles on all other purchases. However, purchases over $5,000 earn 1.5x miles on up to 50,000 additional miles per year.
Also, you get to earn a generous welcome offer of up to 100,000 miles worth up to $1,300 in Delta flights, and a companion certificate every year you renew your card membership. Of the Delta perks, you get Main Cabin 1 priority boarding and free first checked bag.
Overall, businesses that often fly Delta and spend more than $25,000 annually with this card can offset the annual fee and get the highest value.
In general, flights have the highest redeem value of an average 1.5 cents per mile.
Among the products and services offered at the Delta marketplace as of October 2018, you can use miles to buy:
Small to medium size businesses that spend anywhere from $30,000 to $50,000 per year and frequently fly on Delta could find this card useful. With annual purchases of up to $50,000, you’ll get to use the card’s full potential and earn Medallion Status if you’ve already earned the welcome offer. After that, you’ll get to earn even more miles on Delta flights. Compare Delta’s business credit cards and choose which is best for your needs.
Delta’s tiered program for the most loyal customers is known as the Medallion Status. It gives you additional benefits, such as unlimited complimentary upgrades to Delta Comfort+® and first class, waived baggage fees, priority customer service, hotel and car rental benefits and more.
There are three points systems used to reach Medallion status — Medallion® Qualification Miles (MQMs), Medallion® Qualification Segments (MQSs) and Medallion® Qualification Dollars (MQDs).
The MQD requirement to earn Platinum, Gold or Silver Medallion Status is waived if you make $25,000 or more in eligible purchases with your Delta SkyMiles® Platinum Business American Express Card during the year.
How to earn Delta SkyMiles quickly
To apply for the card, you must be at least 18 years old and a citizen or permanent resident of the US.
Provide the following business information when you fill out the form:
Provide personal information such as:
You can apply with a credit score in the mid 600s, but it’s best to apply with a good to excellent credit score of 670 or more. If you have a high credit score and low utilization, you can get a higher credit line.
The Better Business Bureau rates American Express with an A+. As of this writing, 175 customers have left reviews, resulting in a composite score of 3.78 out of 5 stars. Most complaints are about the poor customer support service. On the other hand, reviewers on the Amex website praise the customer support.
Customers using the Delta SkyMiles® Platinum Business American Express Card are satisfied with the perks, especially with the companion certificate, free checked bags and high number of miles they can earn.
American Express can decide on your application within minutes. Once approved, expect your card to arrive in 7 to 10 business days by mail.
At first glance, the $250 annual fee could make you wonder if the Delta SkyMiles® Platinum Business American Express Card is good card for your business. But if you spend up to $50,000 on purchases per year and you make at least four round trips with Delta, you could offset your card’s annual fee and earn Medallion Status benefits. Plus, you’ll receive an annual companion airfare ticket that can be worth more than the annual fee.
If you spend less than $30,000 on purchases and you make at least two round trips per year, consider the Delta SkyMiles® Gold Business American Express Card; you can earn 60,000 bonus miles after you make $2,000 in purchases on your within the first 3 months. You can also earn $100 Delta credit when you spend $10,000 in a calendar year, and 10,000 miles after your first card anniversary. You get similar perks for a $99 annual fee after the first year $0 annual fee intro (see rates & fees).
Before you apply, consider comparing other business credit cards. You may be able to find product that better suits your needs.
Images: americanexpress.com
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.