American Express
Delta SkyMiles Platinum Business American Express Card
Large welcome offer worth an estimated $840
- Annual fee
- $350
- Welcome offer
- ~$840
- Annual benefits value
- -$50
- Est. 1st-year value
- $790
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Our review
The Delta SkyMiles Platinum Business American Express Card is the mid-tier business card in Delta's lineup, built for business owners who fly Delta regularly and want stronger perks without stepping up to a premium annual fee. Its defining benefit is an annual companion certificate, which for many travelers can offset a large share of the annual fee with a single domestic round trip, alongside first checked bag free, priority boarding, and an in-flight purchase discount.
This card ranks in the upper middle of the Delta group because it balances a moderate annual fee against benefits that reward routine Delta travel, plus business-friendly features and a welcome bonus separate from the personal Delta Platinum. It is well suited to an owner who books Delta a few times a year and wants to save on bags, board earlier, and use a companion certificate.
Rewards are earned in Delta SkyMiles, a Delta-and-partner travel currency with dynamic award pricing and no fixed chart. The Platinum Business fits the business traveler who wants meaningful Delta perks on company spending without paying for lounge access.
Like the other premium Delta cards, the Platinum Business offers a head start toward Delta Medallion status through card spending, which can help owners who are close to an elite tier. The exact status contribution and thresholds are set by Delta and can change, so treat them as a bonus rather than the primary reason to hold the card.
Overall, the Platinum Business is best for regular Delta business flyers who will use the companion certificate and want solid perks at a mid-tier fee. Owners who want lounge access should consider the Reserve Business, while lighter users may prefer the Gold Business.
Why we like it
- An annual companion certificate that can offset much of the annual fee for travelers who use it.
- First checked bag free on Delta flights for you and companions on the same reservation.
- Priority boarding on Delta flights.
- A discount on eligible in-flight Delta purchases.
- A head start toward Delta Medallion elite status through card spending.
- A welcome bonus separate from the personal Delta Platinum, and no foreign transaction fees.
Who it's best for
- Business owners who fly Delta regularly and can use a companion certificate.
- Owners who want mid-tier Delta perks on company spending without a premium fee.
- Travelers chasing Delta Medallion status who want a spending head start.
Welcome bonus
The current public welcome offer shown above is in the range of 70,000 Delta SkyMiles after meeting a spend requirement within the first several months of card membership.
American Express offers vary by applicant and are frequently targeted, and Amex generally limits welcome bonuses to once per lifetime per card product; the business and personal Delta Platinum are separate products.
Use the estimated value shown above as a guide rather than a fixed cash amount.
Using your rewards
Delta SkyMiles are best redeemed for Delta and SkyTeam partner flights.
Award pricing is dynamic with no fixed chart, so flexibility helps you find stronger redemptions.
SkyMiles do not expire.
Airport lounge access
The Delta SkyMiles Platinum Business does not include Delta Sky Club access.
Lounge access among the Delta business cards is available only with the Delta SkyMiles Reserve Business.
Foreign transaction fees
This card does not charge foreign transaction fees, so it is comfortable to use on international trips.
American Express acceptance can be more limited abroad than Visa or Mastercard, so a backup card is wise when traveling internationally.
Major credits & annual benefits
An annual companion certificate is issued after meeting the card's requirements, with the certificate type and any spend condition set out in the terms.
First checked bag free and priority boarding apply on Delta flights.
Cardholders receive a discount on eligible in-flight Delta purchases.
Card spending contributes toward Delta Medallion status through a Medallion Qualification head start, with amounts and thresholds set by Delta and subject to change.
Insurance & protections
American Express travel and purchase protections may apply when you pay with the card, with the details defined in the benefit guide.
Coverage terms and limits vary, so review the current benefit documents and pay with the card to trigger eligibility before relying on any specific protection.
Fees & tradeoffs
The mid-tier annual fee is easy to justify for owners who use the companion certificate, but it delivers less value if you rarely fly Delta.
SkyMiles are Delta-specific and priced dynamically, so redemption value is less predictable than a flexible points currency.
There is no lounge access, so owners who want a Sky Club should consider the Reserve Business.
Final verdict
The Platinum Business welcome bonus plus its companion certificate, free checked bag, and boarding perks can comfortably outweigh the annual fee for a regular Delta business flyer.
It is the natural pick for an owner who flies Delta a few times a year and does not need lounge access; lighter users may prefer the Gold Business.
Card details change often. Verify current rates, fees, welcome offers, credits, and benefit terms with the issuer before applying.
Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $435
- Welcome offer
- $840
- Annual fee
- −$350
- Estimated first-year net
- +$925
Welcome offer
Welcome offer value
Earn 70,000 points after $4,000 in spend within 6 months
$840
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$300
| Benefit | Frequency | Est. annual value |
|---|---|---|
Companion Certificate Annual Domestic Main Cabin round-trip companion certificate after spending $25,000 in a calendar year. | Annual | $300 |
Free First Checked Bag First checked bag free on Delta flights for cardholder and up to 8 companions on the same reservation. Estimated value ~$35 per checked bag (typical domestic first-bag fee). | per_visit | $35 |
$100 Global Entry/TSA PreCheck Credit Up to $100 statement credit for Global Entry or TSA PreCheck. Resets every 4 years. | One-time | $100 |
Earning rates
Who it's for
Consider it if
- Large welcome offer worth an estimated $840
Maybe skip it if
- Ongoing benefits may not cover the annual fee on their own
Fees & details
- Annual fee
- $350
- Foreign transaction fee
- None
- Card network
- American Express
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- Delta SkyMiles
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | $350 | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$840 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $790 | $5,160.40 | $4,684 |
| Annual benefits value | -$50 | $2,160.40 | $1,684 |
| Editor rating | 3.8 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
