5 Things to Know About the Platinum Delta SkyMiles Business Credit Card


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For small-business owners looking for a credit card with Delta benefits, the Platinum Delta SkyMiles® Business Credit Card from American Express may glide to the top of the list.

In the family of Delta AmEx business cards, it’s the middle option, offering valuable — and in some cases, hard-to-find — travel benefits for an annual fee of $195 (which will increase to $250 starting Jan. 30, 2020).

Here’s what you should know about this card.

» MORE: NerdWallet’s best small-business credit cards

1. The companion certificate could save you hundreds each year

The Platinum Delta SkyMiles® Business Credit Card from American Express is one of the few airline cards that features an annual companion certificate, which covers a travel partner’s airfare. This valuable feature alone can easily make up for the card’s annual fee.

Say you were buying round-trip tickets for you and a companion at $800 apiece, plus taxes and fees. If you redeemed this benefit, you wouldn’t have to drop north of $1,600 on that getaway; aside from paying the taxes and fees on the ticket (which are capped at $75), you’d essentially get your trip for half the price.

You can redeem this benefit for a round-trip ticket in the main cabin departing and arriving in the 48 contiguous United States. (There are exceptions to this rule for cardholders who live in Hawaii, Alaska, Puerto Rico or the U.S. Virgin Islands.) To do this, you need to book the same flights with your companion with the same times and dates and make the purchase using the Platinum Delta SkyMiles® Business Credit Card from American Express. You’ll get this benefit annually each year your card is renewed. Terms apply.

» MORE: Top airline credit cards with companion tickets

2. The card offers a path to elite status

Not all airline cards give you a way to reach elite status faster, but the Platinum Delta SkyMiles® Business Credit Card from American Express does. It starts off with a rich welcome offer: Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Terms Apply. (You can qualify for the lowest tier of elite status, Silver, with 25,000 MQMs.)

The card also comes with an annual benefit called Miles Boost (which will be renamed Status Boost on Jan. 30, 2020). With this perk, you’ll get:

  • 10,000 bonus miles and 10,000 MQMs in any calendar year you make $25,000 or more in eligible purchases.
  • Another 10,000 bonus miles and 10,000 MQMs after making $50,000 in eligible purchases in the same calendar year.
  • Starting Jan. 30, 2020, you’ll only earn the MQMs after hitting these thresholds, not the bonus miles. For example, making $25,000 in eligible purchases in a calendar year would just get you 10,000 MQMs.
  • Terms apply.

Keep in mind that these MQMs are not redeemable for award flights; they count only toward status.

» MORE: Want a consumer card instead? Read NerdWallet’s comparison of consumer Delta credit cards.

3. Its ongoing rewards are about to get richer

Right now, the ongoing rewards on the Platinum Delta SkyMiles® Business Credit Card from American Express are a snooze, offering:

  • 2 miles per dollar spent on purchases made directly with Delta.
  • 1 mile per eligible dollar spent on all other purchases.
  • Terms apply.

But the card is about to get more rewarding. Starting Jan. 30, 2020, the card will offer:

  • 3 miles per dollar spent on purchases made directly with Delta.
  • 3 miles per dollar spent on hotels.
  • 1.5 miles per dollar spent on eligible purchases of $5,000 or more.
  • 1 mile per eligible dollar spent on all other purchases.
  • Terms apply.

Delta miles are worth 1.4 cents apiece on average when redeemed for domestic travel, according to NerdWallet valuations.

For entrepreneurs who spend plenty on hotels and large purchases, these new rewards might be reason enough to use the card for something other than Delta tickets.

4. The card comes with travel benefits

The Platinum Delta SkyMiles® Business Credit Card from American Express also comes with the standard benefits cardholders have come to expect from co-branded airline cards. With it, you get:

  • The first checked bag free for you and up to eight others on your reservation.
  • Priority boarding, which allows you to get on the plane early.
  • No foreign transaction fees, which means you won’t be charged an extra percentage when making international purchases.
  • Terms apply.

Starting Jan. 30, 2020, the Platinum Delta SkyMiles® Business Credit Card from American Express will go one step further, offering a reimbursement of up to $100 for TSA Precheck and Global Entry application fees. You’ll receive a statement credit every four years for the application fee for Global Entry or every 4.5 years for TSA Precheck when you charge the fee to this card. That could be a valuable perk if you’re an entrepreneur who flies frequently and can benefit from these programs.

5. You’ll also get business-friendly features

Like all of AmEx’s business credit cards, the Platinum Delta SkyMiles® Business Credit Card from American Express features a suite of benefits designed for business owners, including:

  • Spend Manager. This feature allows you to add receipts and notes to your transactions on desktop or mobile.
  • Employee cards. There’s no fee for adding employee cards to your account. You can set individual spending limits on these cards and set up various alerts to monitor spending.
  • Year-end summary. This report, typically available in January, will show purchases made on your account during the previous calendar year.

These features make it easy to track your company’s spending and can come in handy at tax time.



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