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Business owners who rely on Delta for the bulk of their travel can benefit from a multitude of benefits offered by the Delta SkyMiles® Platinum Business American Express Card. It charges a $250 annual fee, and allows cardholders to earn Medallion® Qualifying Miles (MQMs) that can be applied toward Medallion® Status.
There are four tiers to Medallion® Status: silver, gold, platinum and diamond. Medallion® Status confers benefits such as complimentary upgrades, waived fees and bonus miles.
We break how this card stands out, where it falls short and how it compares to another business card – the Chase Ink Business Preferred℠ Credit Card.
- Delta SkyMiles® Platinum Business American Express Card pros
- Delta SkyMiles® Platinum Business American Express Card cons
- Compare it with the Ink Business Preferred℠ Credit Card
- Is this the best Delta business credit card for you?
Delta SkyMiles® Platinum Business American Express Card pros
Welcome offer. Earn 90,000 bonus miles and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
Rewards. Cardholders can earn 3 miles per $1 spent on eligible purchases made directly with Delta and on purchases made directly with hotels. For other spending, earn Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
Ability to earn MQMs. This card has a benefit called Status Boost, which allows cardholders to earn 10,000 MQMs after making $25,000 in purchases in a calendar year – up to twice a year.
Discounted lounge access. When traveling on a Delta flight, you and up to two companions can visit Delta Sky Club lounges for $39 per person.
Companion certificate. This card offers a domestic main cabin round-trip companion certificate each year when your card renews. (You’re responsible for taxes and fees of no more than $75.)
Travel benefits include:
- Priority boarding. Board early, stow your carry-on bag and get comfortable in your seat.
- Fee credit for Global Entry or TSA Precheck®. Receive a statement credit of $100 for Global Entry or a statement credit of $85 for TSA Precheck® (whichever application fee is charged to your card first). For Global Entry, cardholders are limited to one credit every four years, while for TSA Precheck® the limit is one credit every 4½ years.
- First checked bag free. You and up to eight companions on the same reservation can check a bag for free, which Delta estimates saves up to $60 per person round trip.
- Trip delay insurance. This protection activates when a covered reason delays your trip more than 12 hours, and offers reimbursement for up to $300 per trip.
- Baggage insurance plan. If your luggage is lost, damaged or stolen, this benefit might help. Coverage is up to $1,250 for carry-ons and up to $500 for checked baggage.
- Car rental loss and damage insurance. This benefit offers secondary coverage on eligible vehicles when you decline the rental company’s insurance at the counter.
- 20% savings on in-flight purchases. On eligible purchases such as food, beverages and audio headsets, you’ll receive a 20% discount in the form of a statement credit.
Additional benefits include:
- Extended warranty. Add up to one year on original warranties of five years or less.
- Purchase protection. Coverage for up to 90 days from purchase for damage or theft.
- Free employee cards. Issue employee cards, set spending limits and earn rewards.
- Amex Offers. Enjoy offers for shopping, dining, travel and more.
No foreign transaction fee. If your business travels take you abroad, you can carry this card without concern for an additional fee on each purchase – there is none.
Delta SkyMiles® Platinum Business American Express Card cons
Annual fee. The Delta SkyMiles® Platinum Business American Express Card charges a $250 annual fee. While that’s not as high as some other premium travel cards, which may charge annual fees of more than $500, it’s still more than the casual traveler may be willing to pay.
Can’t transfer miles to other travel programs. Some travel cards allow cardholders to transfer their miles or points to airline and hotel loyalty programs. This one does not.
Companion certificate limits. The annual companion pass is only good in the 48 contiguous states. And taxes and fees of no more than $75 for round-trip domestic flights must be paid.
No free access to Delta’s Sky Club airport lounges. The Delta SkyMiles® Platinum Business American Express Card does offer discounted lounge access. However, if you want complimentary lounge access, you’ll need to consider a card such as the Delta SkyMiles® Reserve Business American Express Card which carries a $550 annual fee.
20% in-flight discount is limited. Some purchases don’t qualify for the statement credit. For example, you can’t get the 20% discount for in-flight Wi-Fi access.
Compare it with the Ink Business Preferred℠ Credit Card
For business owners who don’t want their credit card rewards tied to a single airline and want flexible options for redeeming points, a card worth serious consideration is the Ink Business Preferred℠ Credit Card. Here’s how the two cards stack up against each other:
Delta SkyMiles® Platinum Business American Express Card vs. Ink Business Preferred℠ Credit Card
|Delta SkyMiles® Platinum Business American Express Card||Ink Business Preferred℠ Credit Card|
|Welcome offer||Earn 90,000 bonus miles and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.||Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.|
|Rewards||Earn 3 miles per $1 spent on eligible purchases made directly with Delta and on purchases made directly with hotels. Earn Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.||Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.|
|Foreign transaction fee||None||$0|
|Regular purchase APR||15.74% - 24.74% variable||15.99%-20.99% variable|
The Ink Business Preferred℠ Credit Card excels when it comes to flexibility. The points it earns are Chase Ultimate Rewards® points, which are worth 25% more when redeemed for travel through the Ultimate Rewards® portal. For example, you’ll get $1,250 worth of travel from the welcome bonus when redeemed through the portal. Plus, transfer at a 1:1 value to these travel partners:
- Aer Lingus AerClub
- British Airways Executive Club
- Emirates Skywards®
- Flying BLue Air France KLM
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards®
- United MileagePlus®
- Virgin Atlantic Flying Club
- IHG Rewards Club
- Marriott Bonvoy™
- World of Hyatt
Note that the Ink Business Preferred℠ Credit Card does not provide lounge access, whereas the Delta SkyMiles® Platinum Business American Express Card does offer a discounted rate for visiting Delta Sky Club lounges. However, for its $95 annual fee, the Ink Business Preferred℠ Credit Card costs less than half of what the other card does to carry, and offers more versatility.
For business owners looking for widespread lounge access, neither of these cards is the best option. The Business Platinum Card® from American Express, with a $595 annual fee, is the airport lounge king of business cards. It gets you into more than 1,200 lounges in 130 countries.
Is this the best Delta business credit card for you?
Business owners who want travel benefits, the ability to earn MQMs and discounted lounge access may find the $250 annual fee for the Delta SkyMiles® Platinum Business American Express Card worth it. However, it’s not the best Delta business credit card for everyone.
Those who frequent Delta enough to need complimentary Delta Sky Club lounge access will likely prefer the Delta SkyMiles® Reserve Business American Express Card despite its $550 annual fee. By contrast, for those who fly Delta frequently, but not enough to justify paying hundreds of dollars in annual fees, the Delta SkyMiles® Gold Business American Express Card earns good rewards and has a $0 introductory annual fee for the first year, then $99.
The information related to the Ink Business Preferred℠ Credit Card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Gold Business American Express Card, and The Business Platinum Card® from American Express, have been independently collected by CompareCards and have not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.