Loading cards…
American Express · creditBusiness
Last updated
Is the Delta Platinum Business worth keeping when the fee hits?
Welcome offer — Offer varies — typically a large SkyMiles bonus after a spend threshold Estimated by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Delta purchases & hotels (booked direct) Inferred by source |
|---|---|
| 1.5× | Transit, US shipping & purchases $5k+ (to $100k/yr) Inferred by source |
| 1× | Everything else Inferred by source |
| Delta Stays credit | $200/yr · annual Inferred by source |
|---|
No lounge access.
| Companion Certificate | Annual Main Cabin round-trip certificate (US, Caribbean, Central America) Inferred by source |
|---|---|
| Free first checked bag | For you and companions on the same reservation on Delta flights Inferred by source |
| Baggage | Baggage insurance plan Estimated by source |
|---|
Using Delta Platinum Business at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Delta SkyMiles® Platinum Business American Express Card has a $350 annual fee.
Using its non-spend-gated credits fully, the Delta SkyMiles® Platinum Business American Express Card returns about $200 in value against its $350 annual fee — a net of −$150 per year. It only makes sense if you value its perks beyond the listed credits.
The Delta SkyMiles® Platinum Business American Express Card earns 3x on delta purchases & hotels (booked direct), 1.5x on transit, us shipping & purchases $5k+ (to $100k/yr), 1x on everything else.
No — the Delta SkyMiles® Platinum Business American Express Card does not include airport lounge access.
No — the Delta SkyMiles® Platinum Business American Express Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically a large SkyMiles bonus after a spend threshold. Welcome offers change frequently — confirm the current one on the issuer's page before applying.