Platinum Delta SkyMiles Business Credit Card from American Express® Review
For anyone looking for business travel rewards, the Platinum Delta SkyMiles Business Credit Card from American Express® could be a good option. With its many travel perks and decent miles earnings on everyday spending, this card could be an asset to growing a company that requires its employees to travel frequently.
Down to business with the Platinum Delta SkyMiles Business Credit Card from American Express
When looking into a business credit card, it helps to go over the basics. We provide the details of the Platinum Delta SkyMiles Business Credit Card below to help you decide if it’s the best card for your business.
Perks and features of the Platinum Delta SkyMiles Business Credit Card from American Express
This Delta SkyMiles credit card may have a higher annual fee than some cards, but there are several excellent benefits worth considering.
Is the Platinum Delta SkyMiles Business Credit Card from American Express right for my business?
For many business owners, the Platinum Delta SkyMiles card presents a good option because of the affordable APR, which is on par with many other business credit cards. One drawback though is the annual fee, which is higher than some cards. It’s still not exorbitant, however, and the free companion pass every year could more than make up for the expense.
If you’re looking to earn travel rewards on your business credit card, this is not a bad option. You get one mile for all your purchases, as well as two miles for every dollar spent on Delta. However, the card doesn’t have categories outside of travel that will give you 2x the rewards, as some other cards do. Therefore, it’s not as big of a point earner as some cards on the market.
Furthermore, if you are already a fan of Delta Airlines or have no issue with sticking to Delta for future travel, this card could be a great asset in your wallet. Since the perks like Main Cabin 1 Priority Boarding only work on Delta flights, it wouldn’t make sense to apply for this card if you don’t often fly Delta.
Who might want to look for a different credit card? Anyone who doesn’t enjoy flying with Delta will be able to find a better travel rewards business card. You’ll earn the most miles with the card through Delta purchases, so if you aren’t making any Delta purchases, it doesn’t make a whole lot of sense to have. Additionally, if you aren’t required to travel much for your business, you might want to look into a cash back or points reward card rather than one that gives you miles. Or, if you prefer another airline, look into a credit card that works in conjunction with it.
For example, you could check out the Blue Business Cash Card from American Express. This card provides 2% cash back on all purchases, up to $50,000 per year. After that time, it lowers to 1% back on all purchases. If you spend up to $50,000 on your business each year, this card could work well for you. However, if you spend a lot more than that per year, look for a card with unlimited cash back so you don’t stop earning the good rewards after $50,000. On the other hand, this card comes with no annual fee and 0% APR for the first year.
The bottom line
The Platinum Delta SkyMiles Business Credit Card from American Express carries a reasonable annual fee and fantastic travel perks. Although the rewards potential isn’t the highest on the market, the benefit of being able to bring a companion on a trip once a year and only paying for taxes is outstanding. That perk alone could save more than the annual fee costs.
Overall, the Platinum Delta SkyMiles card might be worth examing for business owners who often travel on Delta — or don’t mind switching over to Delta as their primary airline. Also, keep in mind that in early 2020, the card will be adding 3x the miles for spending in categories like hotel stays and eligible Delta purchases.