The Delta SkyMiles Platinum Business Card is a premium credit card designed for frequent travelers and business owners looking to maximize their rewards while flying with Delta Airlines. With an enticing offer of 70,000 bonus miles after spending $6,000 in the first six months, this card is a gateway to exceptional travel experiences. Plus, enjoy the added benefits of statement credits for dining and rideshare purchases, enhancing your travel adventures.

As an American Express offering, the Delta SkyMiles Platinum Business Card combines the prestige of the brand with a suite of features that cater specifically to business needs. Its potential for earning miles on every dollar spent means that whether you’re booking flights or dining out, you’re continuously building your rewards.

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. This fee can be seen as an investment into the plethora of benefits you gain from the card. While some might hesitate at the upfront cost, the potential for rewards and savings often outweighs the expense.

American Express provides the opportunity for cardholders to manage this fee by potentially earning statement credits that can offset the annual cost. For example, cardholders can earn up to $200 in annual statement credits for eligible Delta Stays bookings.

Additionally, the $120 Resy credit for dining and $120 rideshare credit further enhance the value proposition. If you frequently travel or dine at eligible restaurants, the actual cost of the annual fee can be significantly reduced.

How is the credit limit determined?

Credit limits for the Delta SkyMiles Platinum Business Card are determined based on various factors, including your creditworthiness and overall financial profile. American Express evaluates your credit score, income, and payment history to set an appropriate limit for your card. For traditional credit cards, this process is standard, ensuring that your spending aligns with your ability to repay.

In the case of a secured card, the limit might be lower as it’s often backed by a cash deposit. However, if you’re looking at a prepaid card, you’ll be in control of your limit, as it will be based on the amount you choose to deposit. Essentially, the more you deposit, the higher your spending limit, allowing for greater flexibility in managing your finances.

Advantages of the Credit Card

The Delta SkyMiles Platinum Business Card is packed with benefits that cater to business travelers. Here are some key advantages:

• Bonus Miles: Earn 70,000 bonus miles after meeting the spending requirement within six months. This can lead to significant savings on future flights.
• Reward Points: Accumulate 3X miles on Delta purchases, which accelerates your ability to book award flights.
• Dining Benefits: Enjoy a $120 statement credit on Resy dining purchases, making business meals more rewarding.
• Rideshare Credit: Receive up to $120 in statement credits for U.S. rideshare purchases, a practical benefit for airport commutes.
• Travel Perks: From first checked bags free to priority boarding, travel becomes a seamless experience.

Standout Advantage: Rewards Program

One of the most appealing features of the Delta SkyMiles Platinum Business Card is its robust rewards program. Cardholders earn miles for every dollar spent, with accelerated earning on eligible Delta purchases.

This allows businesses to accumulate travel rewards quickly, making it easier to book flights for employees or personal travel. Additionally, the TakeOff 15 program provides a 15% discount on award travel when booking with miles, further enhancing the value of the card.

Disadvantages

While the Delta SkyMiles Platinum Business Card offers numerous benefits, it’s important to consider potential drawbacks:

• High Annual Fee: The $350 annual fee might be a barrier for some business owners.
• Limited Non-Travel Rewards: Most rewards are travel-focused, which might not appeal to everyone.
• Spending Requirement: The high spending threshold for bonus miles can be daunting for small businesses.
• Interest Rates: The variable APR ranges from 20.49% to 29.49%, which can lead to significant costs if balances aren’t paid in full.

Notable Disadvantage: High Annual Fee

The primary drawback of the Delta SkyMiles Platinum Business Card is its annual fee. At $350, this fee can deter some potential applicants, especially those who don’t travel frequently enough to justify the costs. While the card provides substantial travel rewards, those who rarely fly Delta may find it challenging to fully leverage the card’s benefits, leading to a feeling of underutilization.

Who can apply for this card?

Eligibility for the Delta SkyMiles Platinum Business Card requires meeting several criteria:

• Age Requirement: Applicants must be at least 18 years old.
• Minimum Income: There’s no specific income requirement listed, but higher incomes generally improve chances of approval.
• Credit Score: A good to excellent credit score is typically necessary, making this card less accessible for those with poor credit histories.
• Residency: Applicants must reside in the U.S.
• No Recent Bankruptcies: Prior bankruptcies may hinder your chances of approval.

How to apply for the Delta SkyMiles Platinum Business Card

Applying for the Delta SkyMiles Platinum Business Card is straightforward, with several convenient options available.

Online Application

You can apply directly through the American Express website. This method is quick and allows you to fill in your information at your convenience.

Mobile App

For those who prefer using mobile devices, the American Express mobile app offers a user-friendly interface for applying. Simply download the app, create an account, and follow the prompts to submit your application.

In-Person

If you prefer a personal touch, visiting a local American Express or affiliated financial institution may provide the assistance you need in applying for the card.

With the Delta SkyMiles Platinum Business Card, business owners can unlock a world of travel benefits and rewards that enhance their journey while providing valuable perks. Whether you’re a frequent flyer or a business owner aiming to maximize your expenses, this card may offer the right blend of benefits to suit your needs.