Platinum Delta SkyMiles® Business Credit Card review | finder.com

Platinum Delta SkyMiles® Business Credit Card Review December 2018

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Platinum Delta SkyMiles® Business Credit Card

A business credit card that lets you enjoy premium Delta flyer benefits and earn Medallion Status faster.

30-second take

  • Get this card if you often fly Delta and want to achieve Medallion Status.
  • Pick something else if you don’t want to pay high annual fee.
  • Apply with a good to excellent credit score of 670 or higher.
Product NamePlatinum Delta SkyMiles® Business Credit Card
Card TypeAmerican Express
Annual Fee$195
APR (Annual Percentage Rate) for Purchases17.74%, 21.74% or 26.74% variable
Cash Advance Rate27.24% variable
Foreign Transaction FeeNone
Cash Advance Fee$5 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment Fee$38
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome OfferEarn 50,000 Medallion Qualification Miles (MQMs) plus 35,0000 bonus miles after spending $1,000 on purchases within the first 3 months.
Reward Value per Dollar1x miles

The basics

The Platinum Delta SkyMiles® Business Credit Card is the mid-tier card of the Delta suite of cards offered by American Express. It lets you earn the same 2x miles on Delta purchases as the other two, and for purchasing Delta-marketed flight tickets you get additional 5x miles just by being a SkyMiles member. All in all you can earn 7x miles for Delta flights. Once you reach a Medallion Status, you’ll earn up to 11x miles.

In addition, you earn miles with Delta’s partner airlines, including: AeroMexico, Korean Air, Virgin Atlantic, Aeroflot, China Airlines, Hawaiian Airlines and more. Another great feature of the Delta cards is that you can redeem your miles for the partner airlines as well.

And aside from earning miles, you get a decent easy-to-earn welcome offer, an annual companion certificate, free first checked bag for you and your companions, priority boarding, Delta Sky Club® discounted access and more.

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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What can I buy with Delta Skymiles?

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, you can use miles to buy:

  • $250 Gift card for 35,700 miles — value of 0.7 cents per mile.
  • $150 Samsonite 20″ carry-on bag for 26,600 miles — value of 0.56 cents per mile.
  • $1,299 Apple MacBook Pro 13″ for 258,200 miles — value of 0.50 cents per mile.

The perks

  • Welcome offer.

    Earn 50,000 Medallion Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 on purchases in the first three months of card membership.

    Also, earn a $100 statement credit after you use your card to make a Delta purchase within the first three months.

  • Earn miles.

    For every direct Delta purchase you earn 2x miles. For all other purchases, you earn 1 mile per dollar spent. Redeem miles for flights, seat upgrades, gift cards, shopping and more.

  • Intro APR: 0% on purchases for the first six months.

    After the intro APR expires, you’ll have a purchase APR of 17.74%, 21.74% or 26.74% variable.

  • Companion airfare

    Get a domestic main cabin companion ticket every year you renew your card. Taxes and fees of up to $75 are not covered with the companion certificate.

  • First checked bag free.

    Get a first checked bag free for you and nine other passengers traveling on your reservation. With this perk, you can save $50 on a round trip. If you travel at least once a month, that’s $600 saved on checked bags per year.

  • Discounted Delta Sky Club® access.

    Enjoy discounted Delta Sky Club® access of $29 per person for you and up to two guests. Regular price of a day pass is $59 per person, which means you can save up to $360 annually if you visit Delta Sky Club® once a month.

You’ll also like

  • Miles boost.

    Spend $25,000 with your card in one calendar year and earn additional 10,000 bonus miles and 10,000 MQMs. Spend $25,000 more and earn another 10,000 bonus miles and 10,000 MQMs. Paired with the card’s welcome offer, this automatically earns you Silver Medallion Status if you haven’t already reached it by flying with Delta.

  • Priority boarding.

    Board your plane sooner with Zone 1 priority boarding.

  • In-flight savings.

    Get 20% back as a statement credit for all in-flight purchases on food, beverages and audio headsets.

  • 0% foreign transaction fees.

    You won’t pay any international transaction fees when you use your card abroad. Other cards have up to 3% fees for every transaction. This may not sound like a lot, but it can add up on a trip spanning several days.

  • Travel insurance and roadside assistance.

    You’re insured against accidental death and dismemberment when traveling on paid-for public air, land and sea carriers. Also, your baggage is insured against damage, loss or theft.

    And if you need roadside help for towing, changing a tire or charging your car battery — or if you’re traveling more than 100 miles from home and need an emergency service — the card’s roadside and global assistance hotlines are one call away.

What to watch out for

  • Annual fee.

    To get all the benefits this card offers, you’ll have to pay a $195 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 $38 for late payments. If you make two late or returned payments in 12 months, Amex will stick you with a penalty APR of 29.99%. You’ll need to make 12 consecutive timely payments to remove the penalty APR.

  • No balance transfers.

    The Platinum Delta SkyMiles® Business Credit Card has no balance transfer option.

Consider other cards if …

  • You often fly with other airlines.

    Depending on the airline you prefer to fly with, you may consider any of the following cards and enjoy the frequent flyer benefits that come with them:

  • You want a general travel rewards card.

    Consider the American Express® Business Gold Card. It allows you to earn 4x points from two categories of your choice, for example flight tickets purchased directly from airlines. Earn these points on up to $150,000 in these two combined categories annually, then 1x points. It also offers 1x points on all other purchases. For the highest redeem value, book flights and hotels with points through Amex Travel.

  • You want cash back.

    The SimplyCash® Plus Business Credit Card has one of the largest cashback rates of 5% for US office supplies and wireless telephone services, 3% back on a category of your choice and 1% back on all other purchases. The 5% and 3% cash back apply for the first $50,000 in purchases per calendar year, after that a 1% cashback rate applies.

  • You want an intro APR on balance transfers.

    Consider the Blue Business℠ Plus Credit Card from American Express. You get a 0% intro APR period for 15 months on balance transfers and purchases. After that, the rate reverts to a variable 13.24%, 17.24% or 21.24%.

Best Delta business cards

Compare travel credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months
1x points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
1x points
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.74% to 26.74% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2x points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
1x points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points
16.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2x points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

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What size business is the Platinum Delta SkyMiles® Business Credit Card good for?

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.

What is Medallion Status?

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.

How do I reach Medallion Status?

There are three points systems used to reach Medallion status — Medallion® Qualification Miles (MQMs), Medallion® Qualification Segments (MQSs) and Medallion® Qualification Dollars (MQDs).

How do I earn these points?

  • Medallion® Qualification Miles are earned on the distance you fly and your ticket fare class — the further you travel on a higher fare class, the more MQMs you earn.
  • Medallion® Qualification Segments are earned on the number of flights you take and the number of flight segments within each trip. Flight segments include any airport stops you make on your flight toward your destination.
  • Medallion® Qualification Dollars are earned on the amount of money you spend on Delta and its partners’ flights.

How do I reach Medallion Status?

  • Silver Medallion Status. 25,000 MQMs or 30 MQSs, and $3,000 MQDs or an MQD waiver.
  • Gold Medallion Status. 50,000 MQMs or 60 MQSs, and $6,000 MQDs or an MQD waiver.
  • Platinum Medallion Status. 75,000 MQMs or 100 MQSs, and $9,000 MQDs or an MQD waiver.
  • Diamond Medallion Status. 125,000 MQMs or 140 MQSs, and $15,000 MQDs or an MQD waiver.

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 Platinum Delta card during the year.

What should I know before I apply?

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:

  • Business name and contact information.
  • Industry type, company structure and years in business.
  • Annual business revenue and monthly spending.
  • For partnerships and corporations you’ll need the federal tax ID.

Provide personal information such as:

  • Name and address.
  • Social Security number and date of birth.
  • Annual income and income sources.
  • Delta SkyMiles number if you have one.

What credit score do I need?

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.

What do customers say about the Platinum Delta SkyMiles® Business Credit Card?

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 Platinum Delta SkyMiles® Business Credit Card are satisfied with the perks, especially with the companion certificate, free checked bags and high number of miles they can earn.

How to apply for the Platinum Delta SkyMiles® Business Credit Card?

  1. Go to the American Express website.
  2. Select the Platinum Delta SkyMiles® Business Credit Card from the list of business cards and click Apply now.
  3. Fill out the form with the required information.
  4. Review your application and submit it.

How long will it take to get my Platinum Delta SkyMiles® Business Credit Card?

American Express can instantly decide on your application. Once approved, expect your card to arrive in 7 to 10 business days by mail.

I got the card. Now what?

  • Download the Amex® mobile app. The app is available for both Android and iOS — use it to set payment alerts, track your spending, pay bills, find offers and more.
  • Pay on time. Always make your payments on time to avoid fees of up to $38 and a penalty APR of 29.99% variable. Especially since the penalty APR lasts for at least 12 months.
  • Customer service. Call 800-528-4800 if you need a hand. If you prefer online chat with a customer service representative, go to the Amex site and use the online chat feature.

Bottom line

At first glance, the $195 annual fee could make you wonder if the Platinum Delta SkyMiles® Business Credit Card is good card for your business. But if you spend up to $50,000 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 and you make at least two round trips per year, consider the Gold Delta SkyMiles® Business Credit Card. You get similar perks for a $95 annual fee ($0 intro fee for the first year).

Before you apply, consider comparing other business credit cards. You may be able to find product that better suits your needs.

Frequently asked questions

Disclaimer

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.

Images: americanexpress.com

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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