Delta SkyMiles Platinum Business Card Review: Is the $350 Fee Worth It?

The Delta SkyMiles Platinum Business American Express Card is the business-card counterpart to the personal Delta Platinum — same $350 fee, same companion certificate, but with earning categories built around business spending like shipping and larger purchases instead of restaurants and groceries.

The Numbers: Is the $350 Fee Worth It?

As with the personal Platinum card, the annual companion certificate — a round-trip Main Cabin ticket for a companion (taxes and fees still apply) on domestic or Mexico/Caribbean/Central America Delta flights — is the single biggest value driver, often worth more than the entire annual fee on its own. Add the free first and second checked bags for the cardholder and up to eight companions, and the Global Entry or TSA PreCheck credit every 4 years, and the fee clears easily for a business owner who flies Delta even a handful of times a year.

Like the personal card, Platinum Business earns $1 in Medallion Qualification Dollars (MQD) for every $20 spent, plus a $2,500 MQD Headstart each Medallion Qualification Year — a real boost for business owners trying to requalify for status through card spend rather than flight segments alone.

Welcome Bonus: Can You Realistically Earn It?

The current offer is 100,000 bonus miles after spending $8,000 in the first 6 months, running through November 4, 2026. At a conservative 1.2¢/mile, that’s worth roughly $1,200. $8,000 in 6 months (about $1,333/month) is a meaningfully higher bar than the personal Platinum card’s $4,000, which tracks with this card’s business-spend orientation — realistic for a business with regular operating expenses, less so for a side business with minimal spend.

Earning Miles

• 3X miles on purchases made directly with Delta, and on hotels booked directly with the hotel.
• 1.5X miles on U.S. shipping purchases.
• 1.5X miles on any single eligible purchase of $5,000 or more (up to $100,000 in combined purchases per year, then 1X).
• 1X mile on everything else.

The $5,000+ purchase bonus is a genuinely useful category for businesses that make large one-off purchases — equipment, inventory, or similar — that a typical consumer card’s category structure wouldn’t reward at all.

Benefits Worth Knowing About

• Annual companion certificate — a round-trip Main Cabin ticket for a companion (taxes/fees still apply) on domestic or Mexico/Caribbean/Central America Delta flights, issued automatically each year on renewal.
• Free first and second checked bags for the cardholder and up to 8 companions on the same reservation.
• Global Entry or TSA PreCheck credit (up to $120 or $85 respectively) every 4 years.
• $1 MQD per $20 spent toward Medallion status, plus a $2,500 MQD Headstart each Medallion Qualification Year.
• Standard Amex business purchase protections. (No Sky Club access: Delta Platinum Business cardholders lost their per-visit Sky Club rate on January 1, 2024.)
• Employee cards at no extra cost, so you can extend earning (and the free-bag benefit for traveling staff) across your team.

How It Compares to Other Delta Business Cards

Platinum Business sits in the middle of Delta’s three-card business ladder:

Stepping down to Gold Business saves $200/year but drops the companion certificate entirely — worth it only if you’re certain you won’t use a companion fare. Stepping up to Reserve Business adds Sky Club access for $300/year more, which only pencils out if you’d actually use the lounge regularly — see our Delta Sky Club access guide for the full rules on who qualifies and when.

Eligibility and Restrictions

• Like most Amex business cards, approval looks at both personal and business creditworthiness — sole proprietors can apply using their own SSN if they don’t have a separate business EIN.
• Standard Amex underwriting limits (commonly referred to as the “2/90” and “1/5” application rules among points-and-miles circles) can restrict approval if you’ve opened several Amex cards recently.
• You generally won’t qualify for this card’s welcome bonus again if you currently hold it or have received a Delta Platinum Business bonus in the past 24 months, per Amex’s offer terms.

Who Should Get This Card

This card fits small-business owners who fly Delta regularly and want the companion certificate and status-boosting MQD earning on business spend specifically, rather than mixing it with personal card usage. It’s a weaker fit for businesses with minimal Delta travel or spend concentrated in categories this card doesn’t reward — a flexible business cash-back card will usually out-earn it on generic purchases.

Bottom Line

Platinum Business mirrors the personal Platinum’s value proposition for business owners: the companion certificate alone typically covers the $350 fee, and the free bags and MQD boost are real upside on top. The $5,000+ purchase bonus category is a nice extra for businesses with large occasional expenses that most cards ignore entirely.

Frequently Asked Questions