Amex
Delta SkyMiles Platinum Business American Express Card
Annual Fee
$350
Bonus Value
$1,200
Min Spend
$5K/3mo
Current Welcome Offer
100,000
SkyMiles — worth ~$1,200
Spend $5,000 in 3 months
Typical OfferPersonalize
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Key facts
| Annual fee | $350 |
|---|---|
| Welcome bonus | 100,000 SkyMiles after $5,000 spend in 3 months |
| Bonus value estimate | ~$1,200 |
| Points program | Delta SkyMiles |
| Card network | Amex |
What you get
All 3 perks ↓Perks/yr up to
$470
Annual Fee
$350
Covers fee
1.3×
Historical Intelligence
Offer history & timing
Current
100,000
Average
100,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 100,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$12/yr after bonus) · est. +$12 net first-year value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 100,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
+$12
65% benefit utilization, minimal travel redemptions
Realistic
+$12
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$12
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$12/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $470/yr in benefits
🛫airline credit
First Checked Bag Free
$70/use
First checked bag free on Delta-operated flights.
Delta-operated flights; cardholder + up to 8 companions
Annual Companion Certificate
$300/yr
Annual companion certificate — buy one ticket, companion flies for taxes/fees only.
Domestic main cabin Delta flights
TakeOff 15% Award Discount
$100/yr
15% discount when redeeming SkyMiles for Delta award flights.
Delta award redemptions only
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Business owners looking to separate expenses and earn on business purchases
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- Occasional credit card users who won't recoup the $350 annual fee through benefits
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
100,000 SkyMiles
Last verified
May 12, 2026
Annual fee
$350/year
Compare & Alternatives
Alternatives
Consider these cards instead
Chase
United Explorer
Lower-fee option if you don't need all the premium perks.
$150/yr
80,000 pts
View review
Chase
United Quest
Lower-fee option if you don't need all the premium perks.
$250/yr
90,000 pts
View review
Chase
SW Priority
Lower-fee option if you don't need all the premium perks.
$229/yr
75,000 pts
View review
FAQ
Frequently asked questions
What's the current Delta Platinum Business welcome bonus?
100,000 SkyMiles after spending $5,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Delta Platinum Business worth the $350 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$1,200 estimated cash value) plus up to ~$470/yr in tracked benefits and credits typically covers the $350 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the Delta Platinum Business?
The highest-value benefits we track on the Delta Platinum Business: Annual Companion Certificate (~$300), TakeOff 15% Award Discount (~$100), First Checked Bag Free (~$70). Combined tracked benefit value is up to ~$470 per year against the $350 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Delta Platinum Business?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Delta Platinum Business's tier. Income, debt-to-income ratio, and existing relationship with Amex also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the Delta Platinum Business come with?
Amex doesn't publish credit limits for the Delta Platinum Business — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Editorial guides
More on Delta Platinum Business and Amex
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Tools & next steps
Run the math for your situation
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Delta SkyMiles Platinum Business American Express Card
Current offer: 100,000 SkyMiles — worth ~$1,200
View Official OffersAmex's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Delta Platinum Business
100,000 SkyMiles offer