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Is the Platinum Delta SkyMiles Business Credit Card Annual Fee Worth It? Yes, If You’ll Make the Most of Valuable Benefits Like a Companion Certificate and Free Checked Bag

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Is the Platinum Delta SkyMiles Business Credit Card Annual Fee Worth It? Yes, If You’ll Make the Most of Valuable Benefits Like a Companion Certificate and Free Checked Bag

Alyssa CerchiaiIs the Platinum Delta SkyMiles Business Credit Card Annual Fee Worth It? Yes, If You’ll Make the Most of Valuable Benefits Like a Companion Certificate and Free Checked BagMillion Mile Secrets Team

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INSIDER SECRET: The Platinum Delta SkyMiles® Business Credit Card from American Express has benefits that will help save you money and time, from booking to when you arrive at your destination.

With so many small business cards on the market, it’s not always easy to know what’s the best option for you. Thankfully, with the Platinum Delta SkyMiles Business card, you’re pretty much guaranteed to get amazing value for the annual fee, as long as you take advantage of the card’s many benefits.

This card emphasizes helping small businesses earn, save and protect travel expenditures, and it also helps manage all of the moving parts of company spending with its built-in expense management tools. It comes with a welcome bonus of 35,000 Delta SkyMiles and 5,000 Medallion® Qualification Miles (MQMs) after meeting minimum spending requirements.

It’s important to consider the $195 annual fee (See Rates & Fees) in comparison to the Platinum Delta SkyMiles Business credit card benefits, but if you can make the most of these perks, the Platinum Delta SkyMiles Business Credit Card annual fee is worth it.

Make the most of the perks and the Platinum Delta SkyMiles Business Card annual fee is worth it, especially for frequent Delta flyers. (Photo by EQRoy/Shutterstock)

Is the Platinum Delta SkyMiles Business Credit Card Annual Fee Worth It?

Apply Here: Platinum Delta SkyMiles Business Credit Card

Read our review of the Platinum Delta SkyMiles Business Credit Card

The Platinum Delta SkyMiles Business card comes with 35,000 Delta SkyMiles and 5,000 Medallion® Qualification Miles (MQMs) after spending $1,000 on purchases in the first three months of opening an account. Plus, you’ll earn a $100 statement credit after making a Delta purchase in the same time frame.

Those bonus miles only scratch the surface of what this card has to offer, though. Companion flights for next to nothing, free checked bags and priority boarding are more of the swoon-worthy perks of the card.

Savings and Earnings When Booking

Arguably the most rewarding way to book a flight (pun intended) is to use miles. If you’re able to make the most of this card, there are so many opportunities to earn miles

We have an extensive breakdown of how to best use Delta SkyMiles to get the best value from Delta miles. So, if you’ve got a business expense on your horizon, it might just be the right time to put it toward this welcome bonus.

Plus, another component of the intro bonus is a $100 statement credit after making a Delta purchase within the first three months of being a cardholder. That covers more than half of the annual fee off the bat.

The opportunities to earn miles outlive a one-time sign-up bonus, though. An annual miles boost is offered every year, giving you bonus redeemable miles and MQMs if you meed certain spending thresholds. If you’re able to spend $25,000 in a calendar year, you’ll receive 10,000 bonus redeemable miles and 10,000 MQMs. If you can double that spend and make it $50,000, you’ll accumulate double the miles. Altogether, you’d earn 20,000 bonus redeemable miles and 20,000 MQMs.

Your everyday spend will also get you working toward free flights beyond the welcome bonus. You’ll earn:

  • 2 Delta miles per dollar spent on purchases made directly with Delta
  • 1 Delta mile per dollar spent on other purchases

On top of the miles earnings, the card’s companion certificate can save you loads of money on flights. The companion certificate is an extremely valuable perk that will allow anyone you choose to fly with you for only the price of taxes and fees in Domestic Main Cabin. It’s valid for one round-trip ticket, so, if you’ve got a colleague you want with you at an upcoming convention, you’ll love this perk.

Protection and Ease at the Airport

Your Platinum Delta SkyMiles Business card helped you to get your flight booked without a headache of blowing a ton of cash, but the card also helps you when you arrive at the airport, too.

A long trip or the nuisance of lugging a carry-on through the airport can lead travelers to want to check a bag. The Platinum Delta SkyMiles Business card lets you check your first bag for free, along with up to eight companions on the same reservation. This easily can save you up to $60 per round-trip flight, per person. Pretty guiltless, right?

Plus, if you worry about your luggage at the airport, it might ease your mind that this card has a protective baggage insurance plan. When you book with your Platinum Delta SkyMiles Business card, you can be compensated up to $1,250 for an eligible lost, damaged or stolen carry-on and up to $500 for a checked bag.

Your gate experience can be a breeze, too, because you won’t have to wait to board last with the Platinum Delta SkyMiles Business card — you’ll always have the opportunity to board early on, with the Main Cabin 1 Priority group.

Get on that jet bridge faster when you board with Main Cabin 1 Priority. (Photo by Cassiohabib/Shutterstock)

Now that you’re on board, kick back, relax and enjoy 20% off in-flight purchases (think: food, beverages, and audio headsets) by means of a statement credit. You can’t go wrong!

Benefits for When You’re on the Ground, Too

If you’re catching on to how this credit card breakdown has been going, you might guess that this card has something in store for you when you arrive at your destination, too.

For starters, if you’re headed out of the country, you’ll enjoy zero foreign transaction fees (See Rates & Fees), so, there’s one less thing to think about while abroad. Plus you’ll never stop racking up the miles on your Platinum Delta SkyMiles Business card, no matter where you are.

This card also provides protection by means of travel accident insurance, offering up to $100,000 in accidental death and dismemberment coverage while traveling on a common carrier. The card also has a roadside assistance hotline for emergency services when you’re out and about and something goes wrong (they’ll help arrange the services, but you’re responsible for costs incurred).

You can call the roadside assistance hotline if something goes wrong while you’re driving. (Photo by CrispyPork/Shutterstock)

Business Expense Tools

While this card provides many benefits typical of Delta’s non-business cards, it includes features that will make any small-business owner’s job easier.

The ability to set an account manager to oversee and manage the card can ease the mind of a cardholder who can’t delve into each purchase. Plus, other employees are able to have a card, so more of the team help to maximize the miles earned by charging to the business card.

he Platinum Delta SkyMiles Business card makes business owners’ lives easier with expense management tools. (Photo by Matej Kastelic/Shutterstock)

The Platinum Delta SkyMiles Business card also includes helpful and accessible platforms for money management. That means apps, account alerts, annual summaries and more for your account. Plus, if your company uses QuickBooks, you can easily transfer your statement’s expenses over to the resource.

What About Other Delta Business Cards?

Alongside the Platinum Delta SkyMiles Business card, Delta also offers a Gold Delta SkyMiles® Business Credit Card from American Express and the Delta Reserve for Business Card.

The Gold Delta SkyMiles® Business Credit Card from American Express has a lower annual fee of $95, but it’s waived the first year (See Rates & Fees). You can earn 30,000 Delta miles after spending $1,000 on purchases in the first three months of account opening, plus a $50 statement credit when you make a Delta purchase in the same time frame. It has fewer perks than the Platinum version of the card, but is still a solid pick especially if you prefer a lower annual fee. Here’s our review of the Gold Delta SkyMiles Business Credit Card.

The Delta Reserve for Business, which has the exact same bonus as the Platinum Delta SkyMiles Business Credit Card (with the exception of the statement credit), is the Delta Reserve for Business has a $450 annual fee ($550 if application is received on or after 1/30/2020) (See Rates & Fees), but its main selling point is a Delta Sky Club lounge membership which can be a great value. It also offers 40,000 Delta miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 on purchases within the first three months of opening your account. Check out our review of the Delta Reserve for Business.

Bottom Line

If you’re looking to earn  Delta SkyMiles and fly Delta often enough to make use of perks like a companion certificate, free checked bag and priority boarding, this card is a great pick.

The Platinum Delta SkyMiles Business credit card currently offers a bonus of 35,000 Delta SkyMiles and 5,000 Medallion® Qualification Miles (MQMs) after spending $1,000 on purchases in the first three months of opening an account. Plus, you’ll earn a $100 statement credit after making a Delta purchase in the same time frame.

The Platinum Delta SkyMiles Business credit card isn’t just worth the annual fee for the welcome bonus. Small business owners can earn lots of Delta miles, plus save money and have peace of mind through all stages of travel — in the air and on the ground. This card is particularly valuable if you fly Delta often and can make use of perks like the companion certificate, free checked bags and priority boarding.

You can apply for the Platinum Delta SkyMiles Business credit card here.

If you’re interested in learning more about Delta, check out our related guides.

Stay up to date with the latest on travel and credit cards by subscribing to the Million Mile Secrets daily email newsletter.

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

For the rates and fees of the Gold Delta SkyMiles Business Card, please click here.

For the rates and fees of the Delta Reserve for Business Card, please click here.

Platinum Delta SkyMiles® Business Credit Card from American Express

Platinum Delta SkyMiles® Business Credit Card from American Express

  • 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.
  • Check your first bag for free and save up to $60 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
  • Terms and limitations apply
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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