Delta SkyMiles Platinum Business American Express Card

Quick Snapshot

• Annual Fee: $350
• APR: 21.49%-30.49% variable
• Rewards: 3X Delta, 3X hotels, 2X restaurants/supermarkets, 1X everything else
• Bonus: 90,000 bonus miles after $4,000 in purchases in 6 months
• Best For: Business owners who fly Delta frequently and want a companion certificate plus accelerated Medallion status
• Credit Needed: Good to Excellent (670+)

Overview

The Delta SkyMiles Platinum Business American Express Card is the mid-premium business Delta card, adding an annual companion certificate and stronger Medallion Qualification boosts to the Gold card's core benefits. For $350 per year, business travelers get 3X miles on Delta purchases and hotels booked directly, 2X at restaurants and U.S. supermarkets, and 1X on everything else. The companion certificate is the headlining benefit that often justifies the $200 premium over the Gold Business card.

The 90,000-mile welcome bonus after $4,000 in spending over six months is worth approximately $1,170 in Delta flights. The companion certificate, earned after $10,000 in annual spending, lets a companion fly domestic Main Cabin round trip for just taxes and fees. On popular routes, this saves $200 to $500 per year. Combined with the free checked bag, priority boarding, and Medallion Qualification Miles from spending, the card is a serious tool for business travelers who are Delta loyalists.

The 3X hotel earning rate adds a dimension the Gold card lacks, making it stronger for business travelers who book hotels directly for work trips. The Medallion boost is more aggressive than the Gold, offering a faster path to Silver, Gold, or Platinum Medallion status. For business owners who fly Delta 6 or more times per year and travel with a partner or colleague, the Platinum Business card delivers compelling value.

APR Breakdown

• Purchase APR: 21.49%-30.49% variable
• Balance Transfer APR: N/A
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. American Express does not charge a penalty APR on this product.

Benefits Overview

SkyMiles Earning

• 3X miles on Delta purchases
• 3X miles on hotels purchased directly
• 2X miles at restaurants worldwide
• 2X miles at U.S. supermarkets
• 1X miles on all other eligible purchases

Companion Certificate

• Annual Domestic Main Cabin round-trip companion certificate after $10,000 in spending
• Companion pays only taxes and fees on their ticket
• Valid on domestic round-trip flights in Main Cabin
• Can save $200 to $500+ depending on route

Flight-Day and Status Benefits

• First checked bag free on Delta for you and companions
• Priority boarding
• Earn Medallion Qualification Miles through spending
• Up to 20,000 MQMs from card spending thresholds
• 20% back on eligible Delta in-flight purchases

Business Management

• Employee cards at no additional cost
• Year-end spending summaries and reporting
• No foreign transaction fees
• Separate business spending for accounting

Rewards & Points

• 3X miles on Delta purchases and hotels booked directly
• 2X miles at restaurants worldwide and U.S. supermarkets
• 1X miles on all other eligible purchases

The companion certificate is the primary differentiator from the Gold Business card. Issued after meeting the $10,000 annual spending threshold, it can be used on domestic round-trip flights where the companion pays only taxes and fees, typically $11.20 per round trip. The Medallion Qualification boost makes this the strongest card for chasing status without the Reserve's price tag.

Welcome Bonus

Earn 90,000 bonus miles after you make $4,000 in eligible purchases on your new card within the first 6 months of card membership. At average Delta redemption values, this bonus is worth approximately $1,170 toward Delta flights, covering one or two domestic round trips or contributing toward an international ticket. The 6-month window is generous for meeting the threshold.

Fees Summary

• Annual Fee: $350
• Employee Card Fee: $0
• Balance Transfer Fee: N/A
• Cash Advance Fee: Either $5 or 3% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Frequent Delta business travelers who fly 6+ times per year with companions
• Hotel-booking business travelers who want 3X on directly booked hotel stays
• Medallion status chasers who want to earn MQMs through business spending
• Business owners with partners who can use the companion certificate for client or partner travel

Not Good For

• Solo business travelers who cannot use the companion certificate
• Light spenders who cannot hit $10,000 annually for the companion certificate
• Sky Club seekers who need lounge access for business travel comfort

Key Pros & Cons

Pros

• Annual companion certificate can save $200 to $500+ on domestic flights
• 90,000-mile welcome bonus worth approximately $1,170 in Delta flights
• 3X on Delta and directly booked hotels covers key business travel categories
• Medallion Qualification Miles through spending accelerate elite status
• Free first checked bag and priority boarding on Delta flights
• 2X at restaurants and supermarkets for everyday business spending
• Employee cards at no additional cost
• No foreign transaction fees for international business trips
• 6-month window for meeting the welcome bonus requirement

Cons

• $350 annual fee is a step up from the Gold Business at $150
• Companion certificate requires $10,000 in annual spending to earn
• Companion certificate limited to domestic Main Cabin round trips
• No Delta Sky Club access at this tier
• 1X base rate on non-bonus spending is below average
• Hotel bonus requires booking directly, not through third-party sites
• No Global Entry or TSA PreCheck credit
• MQM boost still requires substantial spending to earn

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $1,922 including welcome bonus at $1,170, companion certificate at $350, checked bag savings at $280, and points earned, minus the $350 annual fee. Based on SkyMiles at 1.3 cents each.

Should You Get This Card?

You Should Get It If...

• You fly Delta for business 6 or more times per year
• You regularly travel with a companion and will use the companion certificate
• You spend $10,000 or more per year on the card to earn the companion certificate
• You book hotels directly for business trips and want 3X on those stays
• You are pursuing Medallion status through combined flight and card spending
• You want a stronger Delta business card than the Gold without paying $650 for the Reserve

You Should Skip It If...

• You usually travel alone for business and cannot use the companion certificate
• You spend less than $10,000 per year and cannot earn the companion certificate
• You need Sky Club access for productive airport time between business flights
• The Gold Business at $150 already meets your needs and you do not need the companion perk
• You fly multiple airlines and prefer flexible points over Delta-specific miles
• You book hotels through third-party sites and cannot earn 3X on those stays

Apply Now

Apply for Delta SkyMiles Platinum Business American Express Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.