American Express and Delta have a co-brand credit card portfolio, and as part of that there are three business credit cards. Through November 10, 2021, we’re seeing huge limited-time welcome bonuses on these cards, which are a fantastic reason to give these cards another look, if you don’t have them already.
I’ve reviewed all the versions of the personal credit cards, including the Gold, Platinum, and Reserve. However, in reality it’s actually the business cards that are most lucrative, as they have better welcome bonuses than the personal cards. In this post I wanted to focus on those.
Delta business credit card basics
There are lots of reasons to consider Delta’s three business credit cards. Not only are they offering the best welcome bonuses (which include statement credits of $50-200 that you won’t find on the personal cards), but there are also some general advantages to applying for Amex business cards.
Anecdotally I find Amex business cards to be quite easy to be approved for, and on top of that keep in mind that applying for an Amex business card won’t count as a further card towards the Chase 5/24 limit, in case that’s a consideration.
You’re eligible for the bonuses on all three Delta Amex business credit cards, so there’s lots of potential to pick up cards here. Just keep in mind Amex’s general application restrictions.
Let’s cover the basics of the three business cards, including the welcome bonuses, annual fees, and perks.
Delta SkyMiles Gold Business Amex
The Delta SkyMiles® Gold Business American Express Card is offering a two-part welcome bonus, which you earn after spending $2,000 within the first three months:
- Earn 70,000 Delta SkyMiles
- Earn a $50 statement credit
- The card has a $99 annual fee that’s waived for the first 12 months (Rates & Fees)
I’d say the five best perks of the Delta SkyMiles Gold Business Amex Card are:
- Access to Delta Pay With Miles, letting you redeem miles for one cent each towards Delta flights
- A first checked bag free for the primary cardmember and up to nine people traveling on the same reservation
- Priority boarding with Main Cabin 1 on Delta flights
- 20% savings on Delta inflight purchases, including on food, drinks, and headsets
- The ability to get a Medallion Qualifying Dollar (MQD) waiver in conjunction with credit card spending
Delta SkyMiles Platinum Business Amex
The Delta SkyMiles® Platinum Business American Express Card is offering a three-part welcome bonus, which you earn after spending $3,000 within the first three months:
- Earn 90,000 Delta SkyMiles
- Earn 10,000 Medallion Qualifying Miles (MQMs)
- Earn a $100 statement credit
- The card has a $250 annual fee (Rates & Fees)
I’d say the four best perks of the Delta SkyMiles Platinum Business Amex Card are:
- An annual companion certificate, valid for a domestic roundtrip economy ticket
- The ability to earn Medallion Qualifying Miles (MQMs) for spending
- A TSA Pre-Check or Global Entry fee credit once every five years
- The ability to buy discounted SkyClub access, at the cost of $39 per person per visit
Delta SkyMiles Reserve Business Amex
The Delta SkyMiles® Reserve Business American Express Card is offering a three-part welcome bonus, which you earn after spending $5,000 within the first three months:
- Earn 80,000 Delta SkyMiles
- Earn 20,000 Medallion Qualifying Miles (MQMs)
- Earn a $200 statement credit
- The card has a $550 annual fee (Rates & Fees)
I’d say the seven best perks of the Delta SkyMiles Reserve Business Amex Card are:
- An annual companion certificate, valid for a domestic roundtrip ticket, including in first class
- The ability to earn Medallion Qualifying Miles (MQMs) at the fastest rate of any Delta co-branded credit card
- Complimentary Delta SkyClub access when flying Delta the same day
- Complimentary Amex Centurion Lounge access when flying Delta the same day
- Two Delta SkyClub passes annually, which you can gift to friends and family members
- If you have SkyMiles Medallion elite status, having the Reserve Card gives you priority for complimentary upgrades over those with the same status without the card
- If you don’t have SkyMiles Medallion elite status, having the Reserve Card makes you eligible for complimentary upgrades to Comfort+ and first class
Which Delta business credit card should you apply for?
If I were looking to pick up a Delta Amex right now with the improved offers, personally I’d go for a business card over a personal card. That’s both because the business cards have better offers (they have statement credits, while the personal cards don’t), and also because the application wouldn’t count towards the 5/24 limit from Chase (which I’m trying to stay under).
With that in mind, which of the business cards is most appealing? Let’s talk about this both in terms of the welcome bonus, and in terms of the long-term perks.
Which Delta Amex business card has the best welcome bonus?
Which card offers the best welcome bonus? As we examine that, let’s conservatively say that SkyMiles are worth a penny each, which is the rate at which you can redeem them through the Delta Pay With Miles program:
- The Delta Gold Business Amex offers $750 worth of value — that includes 70,000 SkyMiles plus a $50 statement credit, and the card’s annual fee is even waived for the first year
- The Delta Platinum Business Amex offers $750 worth of value, plus 10,000 MQMs (which will be of different value to different folks) — that includes 90,000 SkyMiles plus a $100 statement credit, but then I subtracted the $250 annual fee
- The Delta Reserve Business Amex offers $450 worth of value, plus 20,000 MQMs — that includes 80,000 SkyMiles plus a $200 statement credit, but then I subtracted the $550 annual fee (admittedly this math doesn’t account for the huge perks this card offers, which are the primary reason to pick it up)
Which Delta Amex business card has the best benefits?
Beyond the first year, which of the three Delta Amex business cards makes the most sense? There’s no “one size fits all” answer, but here are my general thoughts:
- The Delta Gold Business Amex is best if you’re looking for basic benefits when traveling with Delta, all while paying a reasonable annual fee; this isn’t the card for you if you’re a frequent Delta flyer with elite status
- The Delta Platinum Business Amex is best if you could get value from the annual companion certificate, or if you’re looking to earn SkyMiles Medallion elite status through credit card spending
- The Delta Reserve Business Amex is often underrated in terms of the value it can offer; in addition to lounge access, upgrade priority (or upgrades to begin with if you don’t have status), and the easiest qualification towards SkyMiles Medallion elite status, the card also offers a first class companion certificate that could more than cover the annual fee in and of itself
The Delta American Express business credit cards are offering some phenomenal bonuses, so this is a great time to pick up one of these cards. The business versions of Delta’s credit cards are often overlooked, even though they offer superior welcome bonuses.
What’s your favorite Delta Amex business credit card?
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: Delta SkyMiles® Reserve Business American Express Card (Rates & Fees), Delta SkyMiles® Gold Business American Express Card (Rates & Fees), and Delta SkyMiles® Platinum Business American Express Card (Rates & Fees).