Platinum Delta SkyMiles Business Credit Card from American Express

Note: American Express is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Platinum Delta SkyMiles® Business Credit Card from American Express
50K miles + 10K MQMs + $100
50K miles + 10K MQMs after $3K spend in first 3 months plus $100 statement credit after first Delta purchase in the first 3 months.Terms and limitations apply.
(Offer Expires 11/7/18)

Click Here to Apply

$195 Annual Fee

Recent better offer: 70K miles + 10K MQMs after $3K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. (Expired 4/11/18)

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Earning rate: 2X Delta

Big spend bonus: Earn 10K bonus miles and MQMs (towards elite status) after $25K spend and another 10K bonus miles and MQMs after $50K spend per calendar year. Terms and limitations apply.

Noteworthy perks: Free domestic economy companion certificate after first year. Priority boarding and free checked bags. Terms and Limitations Apply. See Rates & Fees

See also: An Analysis of the Platinum Delta SkyMiles credit card

Overview

The Platinum Delta SkyMiles Business Credit Card is a great choice for those who fly Delta domestically with a companion at least once per year (thanks to its annual companion certificate), and for big spenders who seek Delta elite status. For the later, the Platinum card offers 10,000 MQMs (Medallion Qualifying Miles) and 10,000 bonus miles after $25,000 in calendar year spend, and again at $50,000 spend.

At $195 per year, the card isn't cheap, but it does offer priority boarding, free checked bags, and an annual economy companion certificate each year upon renewal. Unfortunately, this certificate can only be used for domestic economy tickets. Still, the companion certificate alone can make the Platinum card worth keeping.

Those seeking even more MQMs through spend, and/or better perks such as SkyClub access and first class companion certificates should consider the Delta Reserve card instead.

The personal version of this card is almost identical, but the business card has a big advantage: Amex business cards are not shown as accounts on personal credit reports. This is particularly helpful when signing up for Chase credit cards (since Chase frequently denies applications for those who have signed up for 5 or more cards in the past 24 months). This can also help your credit score if you spend a lot on this card since those charges will not hurt your credit utilization ratio (a major component of your credit score).

Related Cards

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Note: Many more excellent credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page.

Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Legally, it's fine. And, anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you sign up now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards open. This limit does not apply to charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting the money back. These techniques are often referred to as "manufacturing spend". American Express has terms in their signup offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most signup bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Delta SkyMiles)

Platinum Delta SkyMiles® Business Credit Card from American Express
50K miles + 10K MQMs + $100
50K miles + 10K MQMs after $3K spend in first 3 months plus $100 statement credit after first Delta purchase in the first 3 months.Terms and limitations apply.
(Offer Expires 11/7/18)

$195 Annual Fee

Recent better offer: 70K miles + 10K MQMs after $3K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. (Expired 4/11/18)

Delta Reserve Business Credit Card from American Express
70K miles + 10K MQMs
70K miles + 10K MQMs after $5K spend in the first 3 months. Terms and limitations apply.
(Offer Expires 11/7/18)

$450 Annual Fee

Recent better offer: None.

Gold Delta SkyMiles® Credit Card from American Express
30K miles + $50
30K miles + $50: 30K miles after $1K spend in the first 3 months plus a $50 statement credit after your first Delta purchase in the first 3 months. Terms apply.

No Annual Fee First Year, Then $95

Recent better offer: 60K miles + $50 statement credit: 50K miles after $2K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months + 10K bonus miles after additional $1K spend in the first 6 months.(Expired 4/11/18)

Gold Delta SkyMiles® Business Credit Card from American Express
30K miles + $50
30K miles + $50: 30K miles after $1K spend in the first 3 months + $50 statement credit after first Delta purchase in the first 3 months. Terms and limitations apply.

No Annual Fee First Year, Then $95

Recent better offer: 60K miles + $50 statement credit: 50K miles after $2K spend in the first 3 months + $50 statement credit after making a Delta purchase in the first 3 months + 10K bonus miles after additional $1K spend in the first 6 months. (Expired 4/11/18)

Platinum Delta SkyMiles® Credit Card from American Express
35K miles + 5K MQMs + $100
35K miles + 5K MQMs after $1K spend in the first 3 months + $100 statement credit after first Delta purchase in the first 3 months. Terms apply.

$195 Annual Fee

Info about this card was collected independently by Frequent Miler. The Issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 70K miles + 10K MQMs after $3K spend in first 3 months + $100 statement credit after Delta purchase in 1st 3 months. (Expired 9/18/18)

Blue Delta SkyMiles® Credit Card from American Express
10K miles
10K miles after $500 spend in the first 3 months. Terms apply.

$0 Annual Fee

Recent better offer: None.

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