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


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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 CardDelta SkyMiles® Gold Business American Express Card
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
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
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
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 DetailComparison 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.
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.
≫ More: Read Our Full Review
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.
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.
≫ More: Read Our Full Review
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.
Capital One Spark Miles for Business
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Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum American Express Card
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The Hilton Honors American Express Business Card
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Wells Fargo Business Platinum Credit Card
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Wells Fargo Business Secured Credit Card
West Elm Key Rewards Credit Card
Bank of America® Premium Rewards® credit card
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sources
- American Express. "Delta SkyMiles Platinum Business American Express Card." Accessed January 6, 2022.
- American Express. "Delta SkyMiles GoldBusiness American Express Card." Accessed January 6, 2022.
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