The American Express Delta SkyMiles Platinum Business and American Express Delta SkyMiles Gold Business cards offer excellent rewards for small business owners who love flying with Delta. MoneyGeek compares these two American Express credit cards so that you may make an informed decision on which option is the best fit for your situation.
Using the American Express Delta SkyMiles Platinum Business Card or American Express Delta SkyMiles Gold Business Card can be highly rewarding for professionals and business owners who often fly with Delta Air Lines. The two credit cards offer perks like priority boarding on Delta flights and have no foreign transaction fees.
However, there are significant differences between the Platinum Business Card and Gold Business Card. We explored this and other notable divergences between the two credit cards to help you decide which one is best for you.
The American Express Delta SkyMiles Platinum Business Card is well-suited for frequent Delta flyers, as cardmembers earn up to 3X miles per dollar on Delta purchases and associated hotels. If you enjoy elite perks, the Status Boost feature can help you achieve Delta’s Medallion Status faster. This card lets you enjoy priority boarding and your first checked bag for free, saving you up to $60 per round-trip flight. You also receive a 20% statement credit on all eligible in-flight purchases.
A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite status
The American Express Delta SkyMiles Gold Business Card provides opportunities to earn 2X miles per dollar spent on dining at restaurants, U.S. shipping and advertising in select media, and direct purchases with Delta. Cardmembers can use the miles they earn toward flights, merchandise, seat upgrades and more. Having no foreign transaction fees means this card is ideal for international travelers.
A great miles rewards card with no foreign transaction fee for frequent business travelers
MoneyGeek’s American Express Delta SkyMiles Platinum Business Card vs. American Express Delta SkyMiles Gold Business Card comparison explores the details of these two co-branded credit cards to help you decide which one is right for your needs.
Travel Coverage and Purchase Protection
Both cards offer purchase protection against theft, accidental damage and more, in addition to rental car loss and damage insurance.
However, only American Express Delta SkyMiles Platinum Business Card offers cell phone protection and trip delay insurance that can reimburse your non refundable expenses up to $10,000 per trip, up to $20,000 per year.
Winner: American Express Delta SkyMiles Platinum Business Card
Welcome Bonus
The American Express Delta SkyMiles Gold Business Card offers 50,000 bonus miles and a $50 statement credit when you spend $3,000 on purchases in your first three months.
On the other hand, the American Express Delta SkyMiles Platinum Business Card welcome offer is 100,000 miles when you spend $4,000 in the first three months.
Winner: American Express Delta SkyMiles Platinum Business Card
Rewards
Cardholders will become members of the Delta SkyMiles Program, where they’ll earn miles that don’t expire and are redeemable for flights, seat upgrades, gift cards and more.
The American Express Delta SkyMiles Platinum Business Card lets you earn up to 3X miles on eligible purchases, while the American Express Delta SkyMiles Gold Business Card lets you earn only up to 2X miles.
Winner: American Express Delta SkyMiles Platinum Business Card
Annual Fee
The annual fee for the Platinum Business Card is $250, whereas the Gold Business Card is free for the first year, after which you’ll pay $99.
Winner: American Express Delta SkyMiles Gold Business Card
Loyalty Programs
Both cards belong to the same loyalty program.
Winner: Tie
Determining whether the American Express Delta SkyMiles Platinum Business Card or Delta SkyMiles Gold Business Card is right for you boils down to several critical factors, including your spending habits and the benefits you want.
The American Express Delta SkyMiles Platinum Business Card benefits small business owners with employees who frequently fly with Delta Air Lines. This card is also useful for those who don’t mind paying a higher annual fee for enhanced benefits.
Frequent flyers who want to fast-track their Delta elite status earn 10,000 MQMs for every $25,000 spent on purchases.
If you often travel with another person or associate, this card’s companion certificate could help you save hundreds of dollars each year.
If you’re a small business owner who wants to enjoy travel benefits without paying the high annual fee, the American Express Delta SkyMiles Gold Business Card is ideal for you.
International travelers who wish to avoid paying foreign transaction fees.
Individuals who want to redeem their miles on flight-related upgrades rather than on hotel or car reservations.
For most small business owners that fly a few times per year, the Delta Gold Business Card provides enough benefits without an overkill of benefits. However, if you fly more than a few times per year and are interested in earning status with the airline, it may be worth paying the annual fee for the Platinum Business Card. In fact, it could be worth paying the annual fee for the first year, earning the welcome bonus and then revisiting the decision between the two cards.
Despite understanding the differences between the Delta SkyMiles Platinum Business Card and Delta SkyMiles Gold Business Card, you may be undecided about which one to choose. MoneyGeek answered some frequently asked questions to help you make an informed decision.
If neither of these two American Express Delta SkyMiles business cards are calling your name, you may consider other travel credit card or business credit card options.
Capital One Quicksilver Rewards
American Express Marriott Bonvoy Business Card
Wells Fargo Business Platinum Credit Card
Capital One Quicksilver Student Rewards
American Express Delta SkyMiles Gold Card
Bank of America Premium Rewards Card
Chase Ink Business Preferred
PenFed Power Cash Rewards Visa Signature Card
Mastercard Titanium Card
Disney Premier Visa Card
Chase Ink Business Unlimited
Chase Sapphire Reserve
Chase Marriott Bonvoy Bold
American Express Delta SkyMiles Platinum Business Card
Chase British Airways Visa Signature
U.S. Bank Altitude Connect Visa Signature Card
