Delta SkyMiles® Platinum Business American Express Card
vs. Delta SkyMiles® Reserve Business American Express Card

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Updated: May 1, 2024

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The Delta SkyMiles® Platinum Business American Express Card and Delta SkyMiles® Reserve Business American Express Card are among the best credit card options for frequent Delta flyers. Both American Express business credit cards let you take advantage of generous welcome bonuses, travel-related perks and elite Delta status boosts.

However, there are significant differences between the Delta SkyMiles Platinum Business Card and Delta SkyMiles Reserve Business Card to consider before choosing which is best for you. For instance, the Delta SkyMiles® Reserve Business American Express Card has a more expensive annual cost ($550) than the Delta SkyMiles® Platinum Business American Express Card ($250) but offers spending categories with larger earnings.

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

  • Delta SkyMiles® Platinum Business American Express Card
    Delta SkyMiles® Reserve 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 ideal for frequent business travelers who enjoy Delta travel perks and want to pursue elite status through Medallion Qualification Miles (MQMs). Delta uses MQMs to determine Medallion Status, a rewards system that offers special perks like upgrades to first class and waived fees. Cardholders can earn 10,000 MQMs after spending $25,000 in their first year. Additionally, the Platinum Business Card doesn’t charge foreign transaction fees and offers secondary rental car insurance.


  • Delta SkyMiles® Platinum Business American Express Card

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


    • 1–3 Miles per $1Rewards Rate
    • 20.99%–29.99% VariableAPR
    • $350Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • High rewards potential
    • Generous welcome offer
    • Offers savings on Delta flights
    • With annual companion benefit

    Cons

    • Includes an annual fee
    • Requires good to excellent credit
    • High rewards are limited to Delta and hotels
    • For a limited time, earn 95,000 Bonus Miles after spending $8,000 on purchases within the first six months of your new card membership. Offer ends July 17, 2024.
    • Receive a Companion Certificate each year after renewing your Delta SkyMiles® Platinum Business American Express Card. This certificate requires payment of government-imposed taxes and fees, which are capped at $80 for roundtrip domestic flights and $250 for roundtrip international flights (for itineraries with up to four segments). Additional baggage charges and restrictions apply.
    • Earn 1.5X miles on eligible transit and U.S. shipping purchases, as well as single eligible purchases of $5,000 or more. If a purchase qualifies for a higher mileage category, only the higher rate will apply. Terms and mileage caps apply.
    • Receive $2,500 Medallion Qualification Dollars each year and earn $1 MQD for every $20 spent using your Delta SkyMiles® Platinum Business American Express Card. These benefits help you reach elevated status faster with MQD Headstart and MQD Boost.
    • Save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. This discount does not apply to partner-operated flights or to taxes and fees.
    • Earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled card, totaling up to $120 per year.
    • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
    • If you are not a Medallion Member, you will be added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and Reserve Card Members when flying with an eligible ticket.
    • Enjoy Zone 5 Priority Boarding on Delta flights, allowing you to board early, stow your carry-on bag, and settle in sooner.
    • Receive an annual statement credit of up to $200 when booking prepaid hotels or vacation rentals through Delta Stays on delta.com using your Delta SkyMiles® Platinum Business American Express Card.
    • The annual fee is $350 See rates and fees
    • Terms Apply
    • See rates and fees


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Reserve Business American Express Card At a Glance

The Delta SkyMiles® Reserve Business American Express Card is suitable for business owners with heavy travel schedules. It offers the same perks as the Platinum Business Card — priority boarding, discounts on in-flight purchases and a free checked bag — but carries added benefits, including annual round-trip companion passes and a quicker path to Delta’s Medallion status. However, the card comes with a steep $550 annual fee.


  • Delta SkyMiles® Reserve Business American Express Card

    A card that offers generous rewards for business travelers who fly Delta frequently.


    • 1–3 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $650Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • High earnings on Delta purchases
    • Generous welcome bonus
    • Free Delta Sky Club access
    • Bonus miles after meeting the spending threshold

    Cons

    • Comes with a hefty annual fee
    • Potentially high APR
    • Good to excellent credit needed
    • Benefits are limited to Delta
    • The card lets you earn 110,000 Bonus Miles after spending $12,000 on purchases within the first six months. This offer is valid until July 17, 2024.
    • Gain free access to Delta Sky Club®. Starting February 1, 2025, Reserve Card Members receive 15 visits per year. To earn unlimited visits starting February 1, 2025, eligible purchases must total $75,000 or more between January 1, 2024, and December 31, 2024, and annually thereafter.
    • Earn 3 miles for every dollar spent on eligible Delta purchases.
    • The card provides $2,500 Medallion Qualification Dollars each year and lets you earn $1 MQD for every $10 spent, helping you achieve elevated Status faster.
    • Receive a Companion Certificate for First Class, Delta Comfort+®, or Main Cabin roundtrip flights within the U.S., Caribbean, or Central America each year after card renewal. Companion tickets require payment of taxes and fees up to $80 for domestic and $250 for international roundtrip flights. Baggage charges and restrictions apply.
    • With the card, you can earn up to $20 per month in statement credits on eligible Resy purchases.
    • The card offers up to $10 back each month on U.S. rideshare purchases with select providers.
    • Save 15% on Award Travel when booking Delta flights. This discount does not apply to partner-operated flights or taxes and fees.
    • If you are not a Medallion Member, the card allows you to be added to the Complimentary Upgrade list with an eligible ticket, after Delta SkyMiles Medallion Members.
    • Card membership includes a free checked bag on Delta flights, saving up to $70 on a round-trip per person. A family of four can save up to $280 on a round-trip.
    • Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card.
    • Priority Boarding on Delta flights is provided with Zone 5, allowing early boarding and faster access to stow your carry-on.
    • The card includes an annual statement credit of up to $250 for bookings of prepaid hotels or vacation rentals through Delta Stays on delta.com.
    • The annual fee is $$650 See rates and fees
    • There are no foreign transaction fees when using the card overseas. See rates and fees
    • Terms and limitations apply.
    • See rates and fees

    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Delta SkyMiles® Reserve Business American Express Card

Comparison Summary

MoneyGeek’s Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Reserve Business American Express Card comparison can help you determine which one is best for you.

Card Detail
Comparison Summary

Annual Fee

The annual fee is probably the most significant difference between the two cards. The Delta SkyMiles Reserve Business Card is $550 per year, whereas the Platinum Business Card is $250.

High spenders who want additional travel benefits may choose the Reserve version, but the Platinum is generally more manageable for many travelers.

Winner: Delta SkyMiles® Platinum Business American Express Card

Welcome Offer

Both credit cards come with attractive welcome offers. Platinum Business card holders receive 100,000 bonus miles after spending at least $3,000 in purchases in the first three months.

The Delta Reserve Business Card offers 110,000 miles after you spend $6,000 in the first three months of card membership.

Winner: Delta SkyMiles® Reserve Business American Express Card

Earning Structures

Both cards offer bonus miles redeemable toward Delta flights, seat upgrades, gift cards, merchandise and access to the Delta Sky Club.

Platinum Business Cardholders earn 3X miles per dollar spent on Delta flights and hotels, 1.5X miles on purchases over $5,000 (up to 50,000 miles per calendar year) and 1X miles on every eligible dollar spent on other purchases.

Meanwhile, the Reserve Business Card lets you earn 3X miles per dollar spent on Delta purchases and 1X miles for all other purchases. After spending $150,000 in one year, this number increases to 1.5X miles per dollar.

Winner: Delta SkyMiles® Platinum Business American Express Card

Foreign Transaction Fees

One way to save on your international travel is to use a credit card that doesn’t charge foreign transaction fees. Whereas many credit cards can charge upwards of 3% of the total foreign purchase amount, neither the Delta SkyMiles® Platinum Business American Express Card nor the Delta SkyMiles® Reserve Business American Express Card charges foreign transaction fees.

Winner: Tie

Which Card Should You Get?

Whether the Delta SkyMiles® Platinum Business American Express Card or Delta SkyMiles® Reserve Business American Express Card is better for you depends on several factors. Before choosing a credit card, it’s crucial to consider your spending habits and desired rewards and bonuses.

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

Small business owners and professionals who often travel will find the American Delta SkyMiles Platinum Business Card more suitable. It’s a great choice if you want to save on international travel.

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    Frequent Delta flyers seeking a modest boost to get to Medallion Status can take advantage of this card’s lower threshold to earn additional MQMs.

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    Business travelers looking for hotel-specific benefits, such as room upgrades, complimentary breakfast, noon check-in and late checkout.

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

Business and leisure travelers with heavy travel schedules will get the most value from the Delta SkyMiles® Reserve Business American Express Card. If you can afford the hefty annual fee to earn impressive discounts and travel benefits, the Reserve Business Card is for you.

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    International travelers who plan to spend over $150,000 each year are best served by the Reserve Business Card.

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    Business owners willing to spend more money for elite travel benefits, like complimentary access to the Amex Centurion Lounge and first-class annual companion tickets, are better off with this card.

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EXPERT OPINION

The Reserve Business card is targeted towards people who regularly fly with Delta, around once a month or more. The benefits and perks of the card are solid, but to justify the annual fee, cardholders should try to use these features regularly.

If you aren’t able to use the card’s features on a consistent basis, it may be best to downgrade to the Delta SkyMiles® Platinum Business American Express Card.

Other Helpful Decision-Making FAQs

We recognize you might still be undecided when choosing the Delta SkyMiles Platinum Business Card or Delta SkyMiles Reserve Business Card. MoneyGeek has answered some commonly asked questions that may help you decide.

Is the Delta SkyMiles® Platinum Business American Express Card better than the Delta SkyMiles® Reserve Business American Express Card?
Can you get the Delta SkyMiles® Platinum Business American Express Card if you have the Delta SkyMiles® Reserve Business American Express Card?
Can you transfer points from the Delta SkyMiles® Platinum Business American Express Card to the Delta SkyMiles® Reserve Business American Express Card?
Can you switch from the Delta SkyMiles® Platinum Business American Express Card to the Delta SkyMiles® Reserve Business American Express Card?
What’s harder to get, the Delta SkyMiles® Platinum Business American Express Card or the Delta SkyMiles® Reserve Business American Express Card?
How much do you have to spend for the Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Reserve Business American Express Card to get the welcome bonus?

Still Not Sure About These Cards? Consider These Options

Both the American Express Delta SkyMiles Platinum Business and Delta SkyMiles® Reserve Business American Express Cards will suit frequent Delta flyers. If that’s not you, other business credit cards can still be effective for travel.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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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.
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