Delta SkyMiles® Platinum Business American Express Card review

Published: September 17, 2020

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Published: September 17, 2020

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Ratings Policy
Business Rating:
4.4 rating
4.4 rating
4.4 / 5
Rewards Value 4.3
Annual Percentage Rate 0.2
Rewards Flexibility 4.1
Features 3.8
Issuer Customer Experience 4.6

In a Nutshell:

The Delta SkyMiles Platinum Business American Express Card is a high value airline card that offers priority boarding, a free checked bag and an introductory bonus.

Learn more about this card

Rewards Rate

  • 3 miles per dollar on direct Delta purchases and on purchases made directly with hotels
  • 1.5 miles per dollar on single eligible purchases of $5,000 or more, up to 50,000 additional miles per year
  • 1 mile per dollar on other purchases
  • Terms Apply
Poor

Introductory Bonus

  • 70,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) if you spend $4,000 in first 3 months (expires 10/28/2020)
  • Terms Apply
Very Good

Annual Fee
$250 (See rates and fees)

Poor

Average Yearly Rewards Value ($4,000 monthly spend)
$1,302

Excellent

APR
15.74-24.74% (variable) (See rates and fees)

Fair

Rewards Redemption
Pros

  • Miles never expire
  • No blackout dates on Delta flights
  • Use miles for airfare on Delta and Delta partners, hotel, car rental, gift cards, limited merchandise and experiences
  • Miles + cash option is available on some flights
  • You may be able to use miles to upgrade
  • One-way flights allowed

Cons

  • Fuel surcharges can be high on international flights
  • No award chart
  • $25 for phone bookings, $35 for ticket office bookings (See rates and fees)
  • No stopovers or open-jaw tickets
Excellent

Chase Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 809 (30% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 4.4/5
  • Apple Store mobile app rating: 4.8/5
Excellent

Other Notable Features: 10,000 MQMs each year you spend $25,000, 10,000 additional MQMs each year you spend $50,000, companion fare, free checked bag, priority boarding, 20% discount on in-flight items, discounted Delta Sky Club access, no foreign transaction fee (See rates and fees), no fee for employee cards (See rates and fees), account alerts, extra savings on eligible business purchases, mobile payment app, online business forum, car rental insurance, trip delay insurance, extended warranty, purchase protection, ticket presales and VIP events, car purchase discounts, discounts on travel packages,  return protection, ShopRunner service

The Delta SkyMiles Platinum Business American Express Card could be a smart option for your wallet if you fly Delta Air Lines often and want to rack up miles while working toward elite status. You’ll earn 70,000 bonus miles and 5,000 Medallion Qualification Miles after you use your card for $4,000 in purchases within three months of account opening.

Once you get the card, you can start racking up miles rather quickly. Not only will you earn 3 miles per dollar on eligible purchases made directly with Delta, but you’ll also receive 3 miles per dollar on purchases made directly with hotels. Furthermore, you’ll earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (up to 50,000 additionally miles annually) and 1 miles per dollar on other eligible purchases. This card also comes with no foreign transaction fees, making it a viable option for those who travel abroad.

High annual fee

While this card does come with an introductory bonus and the potential for ongoing rewards, you will need to pay a $250 annual fee that is not waived the first year. This high fee is easier to justify when this card’s introductory bonus is as high as it is currently.

Great introductory bonus

Through Oct. 28, 2020, the Delta SkyMiles Platinum Business American Express Card is offering 70,000 miles and 5,000 Medallion Qualification Miles (MQMs) for spending $4,000 with the card in the first three months. We value Delta miles at 1.61 cents per mile, so this bonus is worth around $1,100. This is one of the more generous bonus offers on the card to date, far exceeding the card’s previous offering of 45,000 bonus miles. With such a large bonus on offer, now is a great time to apply for the card.

Less than stellar ongoing rewards

While earning 3 miles per dollar on Delta flights and hotel purchases can help frequent Delta flyers rack up miles quickly, earning just 1 mile per dollar on regular purchases leaves a lot to be desired. When you consider the card’s overall low rewards rate along with the annual fee that you have to pay right off the bat, it’s easy to see why you might skip the Platinum Delta card unless you spend a lot on Delta flights every year. However, if you regularly make large purchases, you can enjoy a boosted rewards rate: You’ll earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (up to 50,000 additional miles per year).

A fast track to elite status

The Delta SkyMiles Platinum Business American Express Card does have some added value for frequent flyers who want to earn elite status with Delta. You get 10,000 Medallion Qualification Miles each year you spend $25,000 as well as 10,000 additional MQMs each year you spend $50,000.

If you spend a lot on credit every year and know you can benefit from elite status with Delta, this card can help you earn status faster.

Annual companion pass

One frequently overlooked benefit of this card is the round-trip companion airfare you receive each year upon renewal. While you do have to pay any taxes and fees associated with the free companion fare, this perk can pay off handsomely if you’re able to use it for an expensive flight and planned to pay for at least one flight already.

Valuable airline perks

Cardholders also receive valuable perks from Delta, including a free checked bag, priority boarding, a 20-percent discount on in-flight purchases and no foreign transaction fees.

Additional perks to be aware of include discounted Delta Sky Club access, car rental insurance, extended warranties, purchase protection, ticket presales and VIP events, car purchase discounts, discounts on travel packages, return protection and ShopRunner service.

Special perks for business owners

Since this card is a business card at heart, it comes with several benefits that apply to business specifically. For starters, you get free cards for employees and the ability to set individual spending limits. Business owners who apply for this card also get special account management tools that allow them to set up alerts, manage receipts, designate an account manager and track their spending.

Cardholders may also qualify for extra savings on eligible business purchases.

The downsides (and upsides) of Delta SkyMiles

When it comes to investing in the Delta SkyMiles program, it’s important to know this frequent flyer program has its downsides. One of the biggest pitfalls of the program is the fact it doesn’t come with an award chart. Without an award chart, it’s hard to know how many miles you’ll need for a flight until you’re ready to redeem.

It’s also important to note that international Delta flights (and flights with its partners) can come with large fuel surcharges and taxes that add hundreds of dollars to the cost of an award ticket. Delta also charges $25 to make an award booking on the phone and $35 to book within a ticket office.

Finally, Delta doesn’t offer stopovers or open-jaw flights through their frequent flyer program. However, since one-way fares are allowed, you can create your own open-jaw by booking two one-way flights.

On the upside, Delta does offer some creative ways to use miles. This includes a “Miles + Cash” option for some flights and the ability to upgrade using miles in some cases.

In addition, Delta lets you redeem rewards for hotels, car rentals, gift cards, some merchandise and select experiences (though the value for most of these redemption options is poor). Delta miles also never expire as long as your account is active, which means you won’t have to worry about using them until you’re ready.

Why get The Delta SkyMiles Platinum Business American Express Card card?

  • You want to earn Delta status and plan to spend a lot on this card to help you get there.
  • You want special perks like priority boarding and a free checked bag.
  • You fly Delta often, so you plan to spend a lot with the airline anyway.

How to use The Delta SkyMiles Platinum Business American Express Card:

  • Spend at least $4,000 on your card within three months of account opening to earn 70,000 bonus miles.
  • Get free employee cards so you can rack up miles on all your business purchases.
  • Use your card for all Delta flights and hotel purchases to score 3x miles on your purchases.

For rates and fees of the Delta SkyMiles Platinum Business American Express Card, please click here.

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