Which Delta Amex Is Best?

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There are often attractive introductory offers on each of the American Express issued Delta credit cards.  The great news is also that you’re eligible for each of the cards, so, for instance, if you applied for the Gold card in the past, you could apply for the Platinum card this time around.

For reference, here are the current best offers on each card:

Delta American Express Credit Cards

One question I’ve been asked is which card is best to apply for. Is there a major difference between the personal and business versions, and between the Gold and Platinum versions? Here are my thoughts on that:

There’s virtually no difference between the business and personal version

Historically, the personal and business version of the Gold card have the same welcome bonus and annual fee, and the personal and business version of the Platinum card have the same welcome bonus and annual fee.

Aside from your intended spend purposes (are you using the card for business or personal purposes?), the only other real difference in deciding between the personal and business version of a particular card is that applying for Amex business cards (whether credit or charge) doesn’t count towards Chase’s 5/24 limit, and is quite risk free.


Redeem your SkyMiles for travel in Xiamen Air’s 787 business class

Comparing the benefits of the Gold & Platinum cards

While all the cards offer benefits such as no foreign transaction fees and bonus miles for purchases made directly with Delta, there are a couple unique benefits, in addition to a welcome bonus, that could influence your decision on which to apply for.

If you’re going for status with Delta, then the Platinum cards may be better for you.  That’s because they offer:

  • Miles Boost® – You can earn 10,000 bonus miles and 10,000 Medallion®Qualification Miles (MQMs) after you spend $25,000 or more in eligible purchases on the Card in a calendar year. Earn an additional 10,000 bonus miles and 10,000 MQMs after you spend $50,000 in eligible purchases on the Card in a Calendar year for a total of 20,000 bonus miles and 20,000 MQMs
  • Receive an annual companion certificate, valid for round-trip domestic main cabin travel each year upon renewal of your card

If you’re a frequent traveler with Delta, and also are going for status with Delta, then the Reserve may be better for you.  That’s because it offers:

  • Complimentary Delta Sky Club®access
  • Miles Boost®– You can earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you spend $30,000 on eligible purchases on your Delta Reserve Credit Card in a calendar year. Earn an additional 15,000 MQMs and an additional 15,000 bonus miles after you spend $60,000 on eligible purchases on your Delta Reserve Credit Card in a calendar year
  • Receive a annual companion certificate, valid for round-trip domestic first class, Delta Comfort+ or domestic main cabin travel each year upon renewal of your card


Status with Delta can help you score upgrades

Bottom line

Hopefully this helps answer which Delta card is best to apply for.  Each card offers a lot of value, and the best choice is largely based on if you are going for status with Delta.

As a reminder, here are the current best offers on each card:

Delta American Express Credit Cards

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