Using the American Express Delta SkyMiles Platinum Business Card or American Express Delta SkyMiles Gold Business Card can be highly rewarding for professionals and business owners who often fly with Delta Air Lines. The two credit cards offer perks like priority boarding on Delta flights and have no foreign transaction fees.

However, there are significant differences between the Platinum Business Card and Gold Business Card. We explored this and other notable divergences between the two credit cards to help you decide which one is best for you.

Comparison Overview: American Express Delta SkyMiles Platinum Business Card vs. American Express Delta SkyMiles Gold Business Card

  • American Express Delta SkyMiles Platinum Business Card
    American Express Delta SkyMiles Gold Business Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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American Express Delta SkyMiles Platinum Business Card At a Glance

The American Express Delta SkyMiles Platinum Business Card is well-suited for frequent Delta flyers, as cardmembers earn up to 3X miles per dollar on Delta purchases and associated hotels. If you enjoy elite perks, the Status Boost feature can help you achieve Delta’s Medallion Status faster. This card lets you enjoy priority boarding and your first checked bag for free, saving you up to $60 per round-trip flight. You also receive a 20% statement credit on all eligible in-flight purchases.


  • American Express Delta SkyMiles Platinum Business Card

    A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite status


    • Good-ExcellentCredit Needed
    • $250Annual Fee
    • 1–3 Miles per $1Rewards Rate
    • 3xRewards Rate on Air Travel
    • 3xRewards Rate at Hotels

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

American Express Delta SkyMiles Gold Business Card At a Glance

The American Express Delta SkyMiles Gold Business Card provides opportunities to earn 2X miles per dollar spent on dining at restaurants, U.S. shipping and advertising in select media, and direct purchases with Delta. Cardmembers can use the miles they earn toward flights, merchandise, seat upgrades and more. Having no foreign transaction fees means this card is ideal for international travelers.


  • American Express Delta SkyMiles Gold Business Card

    A great miles rewards card with no foreign transaction fee for frequent business travelers


    • Good-ExcellentCredit Needed
    • $99Annual Fee
    • 1–2 Miles per $1Rewards Rate
    • 2xRewards Rate on Air Travel
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek’s American Express Delta SkyMiles Platinum Business Card vs. American Express Delta SkyMiles Gold Business Card comparison explores the details of these two co-branded credit cards to help you decide which one is right for your needs.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    Both cards offer purchase protection against theft, accidental damage and more, in addition to rental car loss and damage insurance.

    However, only American Express Delta SkyMiles Platinum Business Card offers cell phone protection and trip delay insurance that can reimburse your non refundable expenses up to $10,000 per trip, up to $20,000 per year.

    Winner: American Express Delta SkyMiles Platinum Business Card

  • Welcome Bonus

    The American Express Delta SkyMiles Gold Business Card offers 50,000 bonus miles and a $50 statement credit when you spend $3,000 on purchases in your first three months.

    On the other hand, the American Express Delta SkyMiles Platinum Business Card welcome offer is 100,000 miles when you spend $4,000 in the first three months.

    Winner: American Express Delta SkyMiles Platinum Business Card

  • Rewards

    Cardholders will become members of the Delta SkyMiles Program, where they’ll earn miles that don’t expire and are redeemable for flights, seat upgrades, gift cards and more.

    The American Express Delta SkyMiles Platinum Business Card lets you earn up to 3X miles on eligible purchases, while the American Express Delta SkyMiles Gold Business Card lets you earn only up to 2X miles.

    Winner: American Express Delta SkyMiles Platinum Business Card

  • Annual Fee

    The annual fee for the Platinum Business Card is $250, whereas the Gold Business Card is free for the first year, after which you’ll pay $99.

    Winner: American Express Delta SkyMiles Gold Business Card

  • Loyalty Programs

    Both cards belong to the same loyalty program.

    Winner: Tie

Which Card Should You Get?

Determining whether the American Express Delta SkyMiles Platinum Business Card or Delta SkyMiles Gold Business Card is right for you boils down to several critical factors, including your spending habits and the benefits you want.

Who Should Consider the American Express Delta SkyMiles Platinum Business Card?

The American Express Delta SkyMiles Platinum Business Card benefits small business owners with employees who frequently fly with Delta Air Lines. This card is also useful for those who don’t mind paying a higher annual fee for enhanced benefits.

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    Frequent flyers who want to fast-track their Delta elite status earn 10,000 MQMs for every $25,000 spent on purchases.

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    If you often travel with another person or associate, this card’s companion certificate could help you save hundreds of dollars each year.

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Who Should Consider the American Express Delta SkyMiles Gold Business Card?

If you’re a small business owner who wants to enjoy travel benefits without paying the high annual fee, the American Express Delta SkyMiles Gold Business Card is ideal for you.

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    International travelers who wish to avoid paying foreign transaction fees.

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    Individuals who want to redeem their miles on flight-related upgrades rather than on hotel or car reservations.

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EXPERT OPINION

For most small business owners that fly a few times per year, the Delta Gold Business Card provides enough benefits without an overkill of benefits. However, if you fly more than a few times per year and are interested in earning status with the airline, it may be worth paying the annual fee for the Platinum Business Card. In fact, it could be worth paying the annual fee for the first year, earning the welcome bonus and then revisiting the decision between the two cards.

Other Helpful Decision-Making FAQs

Despite understanding the differences between the Delta SkyMiles Platinum Business Card and Delta SkyMiles Gold Business Card, you may be undecided about which one to choose. MoneyGeek answered some frequently asked questions to help you make an informed decision.

Still Not Sure About These Cards? Consider These Options

If neither of these two American Express Delta SkyMiles business cards are calling your name, you may consider other travel credit card or business credit card options.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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