Frequent business travelers using Delta may find the American Express Delta SkyMiles Platinum Business Card an ideal option. It comes with various travel perks and rewards, which can make up for the $250 annual fee. It also allows the cardholder to earn Medallion Qualification Miles, which they can use to boost their profiles to elite status.
Individuals who frequently travel for business may find the American Express Delta SkyMiles Platinum Business Card a great tool to enjoy travel perks, quickly collect miles and make international purchases without worrying about high foreign transaction fees. The annual fee of $250 is relatively high compared with other travel and business credit cards. That said, maximizing the credit card issuer’s offers and rewards can help make up for this cost.
Generally, the best credit card will vary depending on individual needs and financial situations. Individuals who frequently travel for business may look for a card that is best for international purchases. Others may prefer one that offers many travel perks and rewards. Consider the American Express Delta SkyMiles Platinum Business Card benefits when deciding whether it is right for you or not. It offers a 0% foreign transaction fee, many opportunities to earn miles, ways to collect points to reach a higher Delta status and more. However, it has a high annual fee and APR.
A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite status
While the American Express Delta SkyMiles Platinum Business offers benefits, it also comes with drawbacks.
For some credit card users, the American Express Delta SkyMiles Platinum Business Card benefits are enough. Others may not agree. To find the best card for you, consider your financial situation and needs. MoneyGeek came up with a selection of the best business credit cards. Check these out and compare them with the Delta SkyMiles Platinum Business Card.
Aside from the American Express Delta SkyMiles Platinum Business Card benefits, there are also multiple bonuses and rewards programs that you may find appealing. Here are some of them:
New cardholders can earn 90,000 bonus miles, 10,000 Medallion Qualification Miles (MQMs) and a $100 statement credit if they spend $3,000 in eligible purchases within the first three months.
Using this credit card to make eligible purchases is beneficial to the cardholder as it helps stack up miles, which can later be redeemed to make payments for flight tickets, seat upgrades and other transactions. Earn 3x miles at hotels and on Delta purchases, 1.5x miles if you spend $5,000 or more in a single eligible purchase and 1x miles for other eligible purchases.
Getting elite status is easier with the Delta SkyMiles Platinum Business Card. With every $25,000 you spend in purchases in a calendar year, you will earn 10,000 MQMs. You can get this bonus up to two times per year.
You can save up to 20% by using this credit card for eligible in-flight purchases.
You should also consider the other features the card offers. Compare these with other credit cards to make sure you are getting the most suitable card for your needs. Aside from the travel perks and earning opportunities, the Delta SkyMiles Platinum Business Card also offers security protection and customer support services.
"There’s a Companion Pass available with this credit card. This is essentially a buy one get one free ticket for a domestic flight in the U.S. This alone can pay for the annual fee of the credit card." - Alene Laney, Credit Card Journalist
Before you decide to apply for an American Express Delta SkyMiles Platinum Business Card, make sure you are familiar with all features, rates, and associated fees. Keep the APR, transaction fees, and rewards rate in mind and compare them with other credit cards. This way, you have a better idea of which credit card would be most beneficial to you.
APR
The American Express Delta SkyMiles Platinum Business Card has a high APR for purchases. It ranges between 15.74%–24.74%. The interest rate for cash advances is 25.24%, while the penalty APR is 29.24%. This penalty rate applies to account holders with two or more late payments within a 12-month period, those who do not pay the minimum amount on time and cardholders whose payments were returned by banks.
Fees
The American Express Delta SkyMiles Platinum Business Card has an annual membership fee of $250. There are no foreign transaction fees. Other fees include the cash advance transaction fee of either $5 or 3%, whichever amount is greater. Late and returned payments come with up to $39 penalty fees.
Rewards Rates
You can earn miles by making eligible purchases. The rate is as follows:
When comparing credit cards, it is important to take note of the different features, rewards and bonuses. This way, you can determine which credit card will best serve your needs. If you already have a credit card in your wallet, you can learn more about its features through your latest billing statement, mobile app or online account. For most credit card issuers, information is available on their respective websites. Additionally, the Consumer Financial Protection Bureau maintains a record of credit card agreements from various issuers.
When looking for the best credit card, you have to consider how you plan on using it. You should also take into consideration APR rates and transaction fees.
Using the American Express Delta SkyMiles Platinum Business Card as your first and only card makes sense for business travelers who frequently use Delta. You can enjoy travel perks and earn miles for your purchases. However, you may not want to use it for big purchases if you do not think you can pay your bills in full every month due to the high APR.
As an additional card in your wallet, the American Express Delta SkyMiles Platinum Business Card can be beneficial by choosing when to use it. If you want to earn miles at hotels and Delta flights, this may be a great tool. Additionally, you can assign your international purchases to this credit card since it does not have foreign transaction fees. However, you may need a different card for balance transfers. For such transactions, a credit card with a lower APR or those that have long introductory promos may be a better choice.
In reviewing credit cards and companies, MoneyGeek uses a methodology and review process that uses information from the Consumer Finance Protection Bureau’s database and the credit card companies themselves. To select the best options for each category, MoneyGeek evaluates standardized data points based on fees, bonuses and rewards, and also considers estimated average spend profiles. To ensure the accuracy of data, this process is conducted monthly reflecting any changes in credit card details and offers.
As a miles rewards card, the Delta SkyMiles Platinum Business Card can compete with other credit cards in the same category. It offers a 0% foreign transaction fee and multiple ways to earn miles. However, it may have a higher APR and annual fee compared to other cards.
American Express Delta SkyMiles Platinum Business Card
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When choosing a credit card, it is important to understand all features, fees and terms. Here are some of the most commonly asked questions about the American Express Delta SkyMiles Platinum Business Card.
The American Express Delta SkyMiles Platinum Business Card is an ideal option for some business travelers looking for travel perks and opportunities to earn miles. However, if you are looking for a credit card for a different purpose, look for other choices. For instance, other cards may be better as cash back cards or rewards cards.
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