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Which Delta Business Credit Card is Best?

Last updated: July 05,2023
Originally Published: January 23,2023
by Pradeep Chandravanshi

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American Express has a Delta Business Credit Card for all stages of small business; whether you’re just starting and don’t travel much or expanding and travel often, American Express has a Delta card for you.

Delta Business Credit Cards are the co-branded credit cards of Delta and American Express. Delta is one of the largest airlines in the world, and they have been rated the best domestic airline in the world, so for many people traveling with Delta and getting perks and benefits is a massive plus.

Delta One Suite
Use Sky Miles earned from your Delta Credit card to fly Delta One! Image Courtesy of Delta Airlines.

American Express offers three business Delta credit cards: Gold, Platinum, and Reserve, each with its unique set of perks and benefits. This article will delve deeper into Delta SkyMiles business credit cards to determine the best.

Delta SkyMiles® Reserve Business American Express Card

Delta Business Credit Card

The Delta SkyMiles® Gold Business
American Express Card is for small
and medium-sized business owners
who fly Delta. It’s worth the annual
fee if you spend a lot on advertising,
travel, etc.

Card Highlights

  • Delta SkyMiles® Gold Business American Express Cardholders will earn 50,000 bonus miles after spending $2,000 in the first three months of card membership.
  • In the first year, there is no annual fee. After that, it costs $99.
  • On Delta flights, the first checked bag is free, and when flying main cabin receive priority boarding.
  • Earn 2X Miles per dollar on Delta purchases- on U.S. shipping purchases, on U.S. advertising purchases in Select Media, at restaurants worldwide, plus takeout and delivery in the U.S. and 1X Miles on all other eligible purchases.
  • After spending $10k on the card in a calendar year, you’ll receive a $100 Delta flight credit for future travel.
  • There is no foreign transaction fees when you spend overseas.

Other Perks And Benefits

The Delta SkyMiles® Gold Business American Express Card also has other perks and benefits, like car rental insurance, return purchase protection, an extended warranty from a manufacturer partner, and priority access to ticket sales and other VIP events.

Pros and Cons


  • First bag checking free on Delta
  • No foreign transaction fee
  • Inflight discount and priority boarding
  • Low Annual Fee





  • Most benefits require flying Delta
  • Has annual fee
  • Requires Good/Excellent Credit score


Who Should Get A Delta Gold Business Credit Card?

Small businesses that spend a lot on travel and shipping should get a Delta Gold Business Card because You can see that the miles earnings are more focused on business expenses than the regular version, which is more focused on restaurants and U.S. supermarkets. Furthermore, because you’ll be traveling with Delta most of the time, you should qualify for Delta Medallion status quickly, which comes with more benefits and perks.

Also, If your business requires a credit card with Delta privileges like a free checked bag and priority boarding without a high annual fee, then the Delta SkyMiles Gold Business Amex is a great option.

Read MoreDelta Clear Membership: Discounted Rates For SkyMiles Members

Delta SkyMiles® Platinum American Express Card

Delta Business Credit Card

Frequent Delta flyers who want
to become elite airline members
can get better benefits from the
Delta SkyMiles Platinum Business
American Express Card.

Card Highlights

  • Delta SkyMiles® Gold PlatinumAmerican Express Cardholders will earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after spending $3000 within the first three months.
  • It comes with a $250 Annual fee.
  • You will earn 3X Miles per dollar on Delta purchases and purchases directly with Hotels, also 1.5X miles per dollar for purchases over $5,000 (up to 50,000 additional miles per calendar year).
  • When you renew your Card each year, you can get a companion certificate for a round-trip domestic flight in the Main Cabin (taxes and fee applied). There are fees and restrictions for baggage, though. Read the terms and conditions for details.
  • Delta Skymiles Platinum Business cardholders will receive discounted rates for over 50 Delta SkyClub Lounges and 250 partner lounges worldwide.
  • No Foreign Transaction Fees.
  • Fee Credit for Global Entry or TSA PreCheck.
  • Travel protection.
  • Terms and limitations apply.

Other Perks And Benefits

The card comes with a slew of travel benefits for a $250 annual fee, including free checked bags, no foreign transaction fees, priority boarding, statement credit for Global Entry or TSA PreCheck, in-flight savings, Delta SkyClub access, and an annual companion certificate.

Also, it comes with benefits like shopping protection, the Medallion Qualification Dollar Waiver (MQD Waiver), extended warranties, baggage insurance, and car rental loss and damage insurance.

Pros and Cons


  • Annual companion cerificate(taxes and fee applied)
  • Status Boost that lets you earn more MQMs with credit card spend
  • No foriegn transaction fee



  • $250 Annual fee
  • Low earning rates for Non-Delta purchases
  • You must wait till your card anniversary to get the companion pass




Who Should Get A Platinum Delta Business Credit Card?

If you fly Delta often and want to take advantage of this card’s perks and benefits, or if you own a business that spends most of its money on Delta flights, then you should consider getting the Delta SkyMiles® Platinum Business American Express Card.

Delta Sky Club
Delta Credit cards come with a lot of perks and benefits when flying Delta; Image courtesy of Delta Airlines

This card comes with a welcome offer, the opportunity to earn MQMs that help with Delta elite status, and other solid perks like priority boarding, an annual companion certificate, and so on, and the $250 annual fee may be worth it.

Delta SkyMiles® Reserve American Express Card

Delta Business Credit Card

Delta SkyMiles® Reserve American
Express Card
, you can get elite status
which gives you things like access
to Delta sky clubs, Ameican express centurion lounges and good earning
rates on Delta purchases.

Card Highlights

  • Delta SkyMiles® Reserve American Express Cardholders will earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $4000 within the first three months.
  • After spending $30,000 in a calendar year, you can earn 15,000 Medallion Qualification Miles (MQMs) four times a year.
  • Comes with an annual fee of $550.
  • You will earn 3X miles on Delta purchases and 1X miles on other purchases. But after you spend at least $150,000, you’ll get 1.5X miles per dollar spent on things other than Delta for the rest of the year.
  • When you purchase a Delta Reserve credit card, you will get access to the Delta Sky Club, where you can rest before your flight. You will also get complimentary access to the Centurion® Lounge when you book your flight with Delta.
  • On renewal of your Delta SkyMiles® Reserve American Express Card, you will get a domestic First Class, Delta Comfort+®or Main Cabin round-trip companion certificate.
  • Terms and limitations apply.

Other Perks And Benefits

Other notable features include no foreign transaction fee, no first bag check fee, priority boarding, TSA PreCheck and Global Entry credits, Delta Wifi and exclusive benefits for business owners that allow you to sign up for an online account that you can use to manage your business purchases and keep track of how much you are spending.

Even if you own a business, it can help you earn more miles and MQMs if you spend money on your business often. Once you earn Medallion status, you’ll also get more perks and benefits.

Pros and Cons

  • Perks like annual comapanion certificate, first bag check free, etc.
  • compilmentary access to Delta Sky Club® and Amex centurion lounges
  • 3X miles on Delta purchases




  • High annual fee
  • Earning rates on rewards are average.
  • Balance transfers are not allowed.


Who Should Get A Reserve Delta Business Credit Card?

Reserve Delta Business Credit Card could be for you if you fly Delta often, need elite status, and want access to Delta Sky Clubs and American Express Centurion Lounges so you can take advantage of bonus earning opportunities.

If you don’t own a business or travel often, you can choose another rewards credit card with a lower annual fee instead. Because a $550 annual fee could be high for an airline credit card if you don’t want elite status.

Summary Of The Delta Business Credit Cards

Delta SkyMiles® Gold Business Card
Delta SkyMiles® Platinum Business Card
Delta SkyMiles® Reserve Business Card
Annual fee$0 introductory annual fee for the first year, then a $99
Welcome offer50,000 Bonus Miles
after you spend $2,000 in purchases on your new Card in your first 3 months.
Earn 60,000 Bonus Miles and 5,000 MQMs
after you spend $3,000 in purchases on your new Card in your first 3 months.
Earn 60,000 Bonus Miles and 10,000 MQMs
after you spend $4,000 in purchases on your new Card in your first 3 months.
Miles on Delta purchase2X3X3X
Priority Boarding and first bag checked freeYESYESYES
Delta Sky Club AccessNO$39 per Visit per personComplimentary access when flying with Delta
No Foreign Transaction FeesYESYESYES
Annual companion certificateNOYESYES

Final Thoughts: Which Delta Business Credit Card is Best?

If you are considering getting one of the Delta Amex SkyMiles cards, I recommend getting a business card rather than a personal one (if you qualify). That’s because business cards have greater discounts than personal ones, Delta has one of the best flying experiences in the country, and SkyMiles can provide good value.

There is no proper answer to the topic of which Delta Business Card is the best because it depends entirely on the individual’s needs. Each of the three cards has a different value and benefit, so it is up to you to choose what your needs are based on the benefits these cards bring.

You can choose from the three business cards according to your needs:

  1. Delta Gold Business Card: If you are a small business owner who spends money on advertising, shipping, and business dinners, or if you fly Delta occasionally and need basic advantages, the Delta Gold Business Card could be ideal for you.
  2. Delta Platinum Business Card: If you frequently fly Delta and want elite status and additional benefits that the Delta Gold Business Card does not provide, such as an annual companion certificate, Skyclub access, and so on, you should consider getting a Delta Platinum Business Card.
  3. Delta Reserve Business Card: With a $250 annual fee, this card can provide value through SkyMiles Medallion elite status and SkyMiles club membership, as well as access to Amex Centurion lounges. Other benefits include a yearly companion certificate for roundtrip domestic First, Comfort Plus, and Main Cabin flights. If you live, sleep, and breathe flying, you should consider getting a Delta Reserve Business Card.

If you travel Delta and want to enjoy rewards, one of these three co-branded Delta business credit cards may be a good fit for you; it all depends on your requirements. Keep track of your spending categories and select a credit card that rewards you for your most frequent purchases. Sign up for our travel concierge service, and we will help you uncover the finest credit cards of 2023, as well as incredible travel deals.

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