Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Gold Business American Express Card: Which Is Best for You?

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.

Advertising & Editorial DisclosureLast Updated: 11/6/2022
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Last Updated: 11/6/2022

Using the Delta SkyMiles® Platinum Business American Express Card or Delta SkyMiles® Gold Business American Express 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.

Comparison Overview: Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Gold Business American Express Card

  • Delta SkyMiles® Platinum Business American Express Card
    Delta SkyMiles® Gold Business American Express Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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Delta SkyMiles® Platinum Business American Express Card At a Glance

The Delta SkyMiles® Platinum Business American Express 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.


  • Delta SkyMiles® Platinum Business American Express Card

    A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite status


    • Good-ExcellentRecommended Credit
    • $250Annual Fee
    • 1–3 Miles per $1Rewards Rate
    • 3xRewards Rate on Air Travel
    • 3xRewards Rate at Hotels

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Delta SkyMiles® Gold Business American Express Card At a Glance

The Delta SkyMiles® Gold Business American Express 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.


  • Delta SkyMiles® Gold Business American Express Card

    A great miles rewards card with no foreign transaction fee for frequent business travelers


    • Good-ExcellentRecommended Credit
    • $99Annual Fee
    • 1–2 Miles per $1Rewards Rate
    • 2xRewards Rate on Air Travel
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek’s Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Gold Business American Express Card comparison explores the details of these two co-branded credit cards to help you decide which one is right for your needs.

  • Card Detail
    Comparison Summary
  • 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 Delta SkyMiles® Platinum Business American Express 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: Delta SkyMiles® Platinum Business American Express Card

  • Welcome Bonus

    The Delta SkyMiles® Gold Business American Express 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 Delta SkyMiles® Platinum Business American Express Card welcome offer is 100,000 miles when you spend $4,000 in the first three months.

    Winner: Delta SkyMiles® Platinum Business American Express 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 Delta SkyMiles® Platinum Business American Express Card lets you earn up to 3X miles on eligible purchases, while the Delta SkyMiles® Gold Business American Express Card lets you earn only up to 2X miles.

    Winner: Delta SkyMiles® Platinum Business American Express 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: Delta SkyMiles® Gold Business American Express Card

  • Loyalty Programs

    Both cards belong to the same loyalty program.

    Winner: Tie

Which Card Should You Get?

Determining whether the Delta SkyMiles® Platinum Business American Express 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.

Who Should Consider the Delta SkyMiles® Platinum Business American Express Card?

The Delta SkyMiles® Platinum Business American Express 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.

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    Frequent flyers who want to fast-track their Delta elite status earn 10,000 MQMs for every $25,000 spent on purchases.

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    If you often travel with another person or associate, this card’s companion certificate could help you save hundreds of dollars each year.

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Who Should Consider the Delta SkyMiles® Gold Business American Express Card?

If you’re a small business owner who wants to enjoy travel benefits without paying the high annual fee, the Delta SkyMiles® Gold Business American Express Card is ideal for you.

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    International travelers who wish to avoid paying foreign transaction fees.

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    Individuals who want to redeem their miles on flight-related upgrades rather than on hotel or car reservations.

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EXPERT OPINION

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.

Other Helpful Decision-Making FAQs

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.

Still Not Sure About These Cards? Consider These Options

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.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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