Miles · American Express · $350 annual fee
Last verified 2026-09-09. Review issuer source
American Express Delta SkyMiles Platinum Business is a $350-a-year miles card from American Express. Its best everyday rates are 3x on hotels, 1.5x on shipping, and 1.5x on transit; everything else earns 1x. There is also 3x on Delta Airlines, a single-merchant rate. Rewards are Delta SkyMiles miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year its rewards come to $294, $56 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 70,000 miles after $6,000 in 6 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
3 miles on every dollar spent on eligible purchases made directly with Delta
3 miles on every dollar spent on purchases made directly with hotels
1.5 miles on every dollar spent on U.S. shipping
1.5 miles on every dollar spent on eligible transit
Earn 70,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Your first checked bag flies free on international and domestic Delta flights. And now, your second bag flies free on domestic Delta flights too.
Enjoy a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.
Not a Medallion Member? Delta SkyMiles® Platinum Business Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Receive a fee credit for TSA PreCheck® or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Transform your car rental experience with Hertz Five Star Status, compliments of your Delta SkyMiles® Platinum Business Card.
Get $1 MQD for each $20 in purchases on your Card in a calendar year, getting you closer to Medallion Status for next Medallion Year quicker.
Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per occurrence, $50,000 per calendar year.
Take 15% off when booking Award Travel with miles.
If a round-trip is paid for entirely with your eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same eligible Card, up to $300 per trip, maximum 2 claims per eligible card per 12 consecutive month period.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Delta SkyMiles® Platinum BusinessThis card · 3x on hotels | $350 | $294 | −$56 | 750th of 752 |
| Business GoldAmerican Express's most-held other card · 4x on advertisements | $375 | $1,848 | +$1,473 | 7th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
