The Delta SkyMiles® Platinum Business Card is a versatile tool tailored to enhance the travel experience for business professionals. Packed with benefits and a rewards structure designed to maximize value, it’s more than just a credit card; it’s a travel companion for frequent flyers and entrepreneurs alike.

This card offers a range of perks, from lucrative bonus miles to credits on travel expenses, all while making business travel more comfortable and cost-effective. Whether you’re managing your company’s travel needs or earning rewards for personal use, this card aligns with your financial and professional goals.

Key information about the credit card

How does the annual fee work?

The Delta SkyMiles® Platinum Business Card comes with an annual fee of $350, making it an investment for serious travelers. While the fee might seem significant, the benefits included can easily outweigh this cost for frequent Delta customers. For instance, the first checked bag free and Zone 5 priority boarding are just the beginning of a long list of perks.

Unfortunately, this fee isn’t eligible for waivers, but cardholders can make monthly payments to spread out the expense. With thoughtful usage, including leveraging credits and discounts, you can offset the annual cost, ensuring the card provides true value.

How is the credit limit determined?

The credit limit for the Delta SkyMiles® Platinum Business Card is determined by American Express based on your business’s creditworthiness, financial profile, and overall spending habits. Unlike prepaid cards, where the limit is dictated by the funds deposited by the user, this traditional business credit card evaluates factors such as your business revenue, outstanding debts, and payment history.

For business owners, this flexible approach ensures that the credit limit aligns with their operational needs, enabling efficient cash flow management. Maintaining a good credit score and demonstrating consistent revenue can help increase the card’s credit limit over time, offering greater purchasing power.

Advantages of the credit card

• Generous rewards structure: Earn 3X miles on purchases made directly with Delta and hotels, 1.5X miles on large transactions over $5,000, and 1X on all other purchases.
• Companion Certificate: Receive an annual Main Cabin round-trip Companion Certificate, potentially saving hundreds of dollars on flights within the U.S. and select international destinations.
• First checked bag free: Save up to $70 per round-trip flight per person, with savings multiplying for families or teams.
• TakeOff 15 program: Enjoy a 15% discount on Award Travel bookings made with SkyMiles, stretching your points further.
• Exclusive travel credits: Earn $120 annually in rideshare credits and up to $200 in Delta Stays statement credits to enhance your travel experience.
• Elite benefits: Access the Complimentary Upgrade List and enjoy Hertz Five Star® Status, making car rentals smoother and more convenient.
• Global Entry or TSA PreCheck credit: Save time at security checks with a statement credit for these programs every 4-4.5 years.

Standout advantage

A defining feature of the Delta SkyMiles® Platinum Business Card is the Medallion Qualification Dollars (MQD) Boost. For every $20 spent on purchases using the card, members earn $1 MQD, which helps them qualify for Delta’s Medallion Status more quickly. This exclusive perk simplifies earning elite benefits, such as upgrades and fee waivers, making it highly valuable for frequent Delta flyers.

Disadvantages

• High annual fee: At $350, it’s not the most affordable option for occasional travelers.
• Limited airline focus: Most benefits are exclusive to Delta and its services, reducing flexibility for non-Delta flyers.
• Rewards limitations: Certain purchases, like non-Delta flights, earn fewer miles, lowering the card’s overall earning potential.

A standout disadvantage

The card’s primary downside lies in its limited appeal to travelers who don’t frequently fly with Delta. While the card is a powerhouse for loyal Delta customers, those who split their travel across various airlines or focus on international carriers might find the benefits less impactful. The rewards structure and perks are tightly linked to Delta’s ecosystem, potentially excluding a broader audience.

Who can apply for this card?

To apply for the Delta SkyMiles® Platinum Business Card, you must meet certain requirements. Applicants need to be at least 18 years old and have a business entity or proof of independent contracting work. A good to excellent credit score is typically necessary, along with a clean financial history.

While the card is primarily targeted at businesses, sole proprietors and small-scale entrepreneurs are also eligible. The application process involves submitting personal and business details, including income verification, to demonstrate financial stability. Unfortunately, individuals with negative credit histories or inconsistent revenue streams might face difficulties obtaining approval.

How to apply for the Delta SkyMiles® Platinum Business Card

For the website

Applying online is the fastest and most convenient option for securing the Delta SkyMiles® Platinum Business Card. Begin by visiting the American Express website and navigating to the Delta SkyMiles® Platinum Business Card application page. Here, you’ll need to fill out a form with your personal and business information, such as your name, address, and business revenue details.

After submitting the form, American Express will evaluate your creditworthiness and send an approval decision, often within minutes. If approved, you can expect to receive your card within 7-10 business days. Be sure to review the terms and conditions during the application process to ensure you understand all fees and responsibilities associated with the card.

Through the app

The American Express mobile app offers a user-friendly platform for applying for the Delta SkyMiles® Platinum Business Card. Download the app from the App Store or Google Play, and log in or create an account. Navigate to the credit card section, where you’ll find the Delta SkyMiles® Platinum Business Card.

Select “Apply Now” and follow the prompts to enter your details. The app provides a seamless experience, allowing you to upload required documents and track your application’s progress. Additionally, once approved, the app makes it easy to manage your account, monitor transactions, and track rewards on the go.

At the branch

For those who prefer face-to-face interactions, visiting an American Express branch or partner location is an excellent option. A representative will guide you through the application process, answering any questions you may have about the card’s benefits and requirements.

You’ll need to bring necessary documents, such as a government-issued ID, proof of income, and business registration details, to complete the application. While this method may take longer than online or app-based applications, it offers personalized assistance, ensuring you fully understand the card’s features and commitments before applying.