Is the Delta SkyMiles® Platinum Business American Express Card better than the Delta SkyMiles® Gold Business American Express Card?

The Delta SkyMiles® Platinum Business American Express Card is better than the Delta SkyMiles® Gold Business American Express Card in terms of benefits. However, the Platinum card also costs more and the welcome bonuses are more expensive to obtain. Consider whether the benefits vs. extra expenses of the Delta SkyMiles® Platinum Business American Express Card will benefit you and help you save in the long run.

Can you get the Delta SkyMiles® Platinum Business American Express Card if you have the Delta SkyMiles® Gold Business American Express Card?

Yes, it’s possible to apply for both cards.

Can you transfer points from Delta SkyMiles® Platinum Business American Express Card to Delta SkyMiles® Gold Business American Express Card?

This isn’t necessary as both cards will group the points earned into the same Delta SkyMiles account.

Can you switch from the Delta SkyMiles® Platinum Business American Express Card to the Delta SkyMiles® Gold Business American Express Card?

Yes. If one card no longer meets your spending needs, you can ask for a product change by contacting a customer service representative.

What’s harder to get, the Delta SkyMiles® Platinum Business American Express Card or the Delta SkyMiles® Gold Business American Express Card?

Both cards require a good to excellent credit score to meet approval guidelines.

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

Q: How much do you have to spend for the Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Gold Business American Express Card to get the welcome bonus?

With the Delta SkyMiles® Platinum Business American Express Card, you have to spend $4,000 in the first three months to earn 100,000 bonus miles.. On the other hand, with the Delta SkyMiles® Gold Business American Express Card, you only need to spend $3,000 in your first three months to earn 75,000 bonus miles.

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

Reviewed By

Brett Holzhauer

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.

OUR COMPARISON AT A GLANCE

Comparison Overview
Delta SkyMiles® Platinum Business American Express Card at a Glance
Delta SkyMiles® Gold Business American Express Card at a Glance
Comparison Summary
Which Card Should You Get?

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
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good-Excellent
Good-Excellent

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
Pros
No foreign transaction fees
Status boost
Earn miles
Priority boarding
Free checked bag

Cons
High APR
High annual fee
Payment for lounge access
3X miles for purchases made directly with Delta and hotels 1.5X miles for eligible purchases of over $5,000 (up to an additional 50,000 miles per year)
1X miles for all other purchases
In-flight savings
Companion certificate
Global Entry or TSA PreCheck fee credit
Trip delay insurance
Baggage insurance plan
Car rental loss and damage insurance
24/7 customer service
Extended warranty for covered purchases
Purchase protection against theft and accidental damage for up to 90 days from the date of purchase
Dispute resolution for fraudulent and incorrect charges
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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
Pros
No foreign transaction fee
Delta flight credit of $100 for $10,000 spending on purchases in a year
First checked bag free
Priority boarding
Up to 20% savings through statement credit on in-flight purchases

Cons
High APR for purchases and cash advances
High penalty APR
No luxury benefits
50,000 bonus miles after spending $2,000 in purchases in the first three months
Earn 2X miles on purchases from Delta, at restaurants, on advertising in select media and shipping costs in the U.S.
Earn 1X on all other eligible purchases
Baggage insurance plan
Car rental loss and damage insurance
Global Assist Hotline
Extended one-year warranty on eligible purchases
Purchase protection
Dispute resolution
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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.

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

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.

View All Credit Cards

Learn more about credit cards in general

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.

*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.
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