Delta SkyMiles® Platinum Business Card
$350 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $350”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| 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
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $350” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing 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
- Capital One Venture X BusinessCapital One · $395 a year+$310 a year
- Venture X RewardsCapital One · $395 a year+$255 a year
- Delta SkyMiles PlatinumAmerican Express · $350 a year+$110 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).