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American ExpressChecked Oct 4, 2026

Delta SkyMiles® Platinum Business Card

$350 a year. Purchase APR 19.74–28.74%, variable.

Annual fee
Purchase APR, variable
Foreign transaction fee

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender−$230−$230
Typical spender−$50−$50
Heavy spender$380$380
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: not counted: 1.5x Purchases at U.S. shipping providers; not counted: 1.5x Single eligible purchases of $5,000 or more; points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • Lower top APR than about 25% of the 577 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

How you earn · Delta SkyMiles

  • 3× milesEligible purchases made directly with Delta, including air travel on a Delta flight, air travel on a Delta partner flight with a DL flight number, Delta Stays prepaid hotels and vacation rentals, Delta Vacations packages, and other Delta services
  • 3× milesEligible purchases made directly with hotels
  • 1.5× milesEligible transit, including taxicabs, rideshares, and more
  • 1.5× milesPurchases at U.S. shipping providers
  • 1.5× milesSingle eligible purchases of $5,000 or more
  • 1× milesEverything else

Rates and fees

Rates and fees for the Delta SkyMiles® Platinum Business Card, each with its source
Annual fee
Purchase APRPrime + 12.74% to Prime + 21.74%
Cash advance APRPrime + 21.99%
Cash advance fee
Penalty APRPrime + 26.74%
Late payment
Returned payment
Foreign transactions
Grace period

Carrying a balance? See how long it takes to pay off at 28.74% APR

Benefits

  • Resy Credit: $10 monthly
  • Delta Stays Credit: $200 annual
  • Rideshare Credit: $10 monthly
  • Global Entry application fee credit: $120 every 4 years
  • TSA PreCheck application fee credit: $85 every 4 years
  • The first checked bag is free on international and domestic Delta flights; the second checked bag is free on domestic Delta flights.
  • A $120 Global Entry or up to $85 TSA PreCheck statement credit every 4 years.
  • Hertz Five Star Status; enrollment in the Hertz Gold Plus Rewards program and additional steps are required.
  • Basic Card Members with an eligible ticket are added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Annual Companion Certificate for a Delta Main domestic, Caribbean, or Central American round-trip flight after card renewal; government-imposed taxes and fees of $22 to $250 apply for itineraries with up to four flight segments.
  • 15% discount on Award Travel booked with miles on Delta flights through delta.com or the Fly Delta app; not applicable to partner-operated flights or taxes and fees.
  • Zone 5 Priority Boarding on Delta flights.
  • $2,500 Medallion Qualification Dollars each Medallion Qualification Year through MQD Headstart.
  • Earn $1 MQD for each $20 in card purchases in a calendar year through MQD Boost.
  • Pay with Miles offers up to $50 off the cost of a flight for every 5,000 miles redeemed when booking on delta.com.
  • Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home; third-party provider costs are the Card Member's responsibility.
  • Trip delay: Up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
  • Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; for New York State residents, a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip
  • Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
  • Extended warranty: Up to one additional year for warranties of 5 years or less
  • Emergency assistance

Questions

What is the annual fee?
$350 Filed with the CFPB · PDF, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Filed with the CFPB · PDF, since Sep 29, 2026
What is the purchase APR?
19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026

Other miles cards with fees over $300

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).