Delta American Express Business Card: Benefits, Comparisons, And Upgrade Offers [Updated On 2025]

The Delta SkyMiles Business Cards from American Express provide rewards on eligible purchases. Earn 2 miles per dollar with the Gold Card and 3 miles with the Platinum and Reserve Cards. Enjoy travel benefits, bonus miles, and statement credits. Select the card that fits your business needs and apply today!

Comparatively, the Delta American Express Business Card stands out against other airline cards due to its travel perks. Unlike many competitors, it offers 20% off in-flight purchases made with the card. Cardholders also benefit from no foreign transaction fees, making this card ideal for international business trips.

Additionally, American Express frequently provides upgrade offers to enhance this card. Users can receive bonus miles after reaching a specified spending threshold within the first few months. This incentive attracts those looking to maximize their travel rewards.

In summary, the Delta American Express Business Card combines essential travel benefits and rewards. Understanding how this card compares to others will guide users in choosing the best option. Next, we will explore specific features and compare them with other travel rewards cards in detail.

Table of Contents

What Is the Delta American Express Business Card and Who Is It For?

The Delta American Express Business Card is a travel rewards credit card designed for small business owners. It offers features such as bonus miles on Delta purchases, no foreign transaction fees, and various travel-related benefits.

According to American Express, this card is specifically tailored for businesses that prioritize travel, providing rewards and incentives for frequent flyers.

The card enables businesses to earn Delta SkyMiles, which can be redeemed for flights, upgrades, and other travel expenses. It includes a comprehensive suite of business benefits, such as expense management tools and employee cards at no additional fee.

Forbes highlights that this card also provides access to Delta’s airport lounges, priority boarding, and free checked bags, making it attractive for business travelers.

Factors such as business travel frequency, preference for Delta Airlines, and desire for travel rewards define eligibility for this card. Businesses that travel frequently can maximize the card’s benefits.

According to a 2023 survey by the Global Business Travel Association, 76% of companies reported increased travel budgets, indicating rising demand for travel rewards cards like this one.

The card’s offerings support small businesses by reducing travel-related expenses and enhancing employee satisfaction. By optimizing travel rewards, businesses can allocate resources more efficiently.

The economic impact includes boosting loyalty to Delta Airlines and increased customer retention, benefiting both travelers and the airline industry.

Examples of positive impacts are employees gaining access to better travel experiences and businesses saving on flight costs.

Experts recommend maximizing rewards through strategic spending on travel and staying informed about promotional offers from Delta and American Express.

Implementing expense tracking and utilizing business insights can further enhance the benefits of the Delta American Express Business Card.

What Are the Key Benefits of the Delta American Express Business Card?

The Delta American Express Business Card offers several key benefits to business owners who frequent Delta Airlines.

Earn Delta SkyMiles on purchases
Access to priority boarding
Free checked bags for the cardholder and companions
Travel insurance and purchase protections
No foreign transaction fees
Discounts on in-flight purchases
Annual companion certificate after card renewal

These benefits cater to frequent travelers, but some users may argue that the value of the card may be more limited for occasional travelers.

Earn Delta SkyMiles on purchases:
The benefit of earning Delta SkyMiles allows cardholders to accrue points on every purchase. Cardholders can earn 2 miles per dollar spent on Delta purchases and 1 mile per dollar on all other eligible purchases. This earning structure helps customers accumulate miles faster for future flights. According to Delta, users can redeem these miles for domestic and international flights, upgrades, and other travel-related expenses.
Access to priority boarding:
Priority boarding is granted to cardholders, allowing them to board the plane earlier. This benefit helps secure overhead bin space and minimizes stress upon entering the plane. It is especially advantageous for business travelers who may have tight schedules and need to settle quickly.
Free checked bags for the cardholder and companions:
The Delta American Express Business Card provides the cardholder and up to eight companions their first checked bag free on Delta flights. This benefit can significantly reduce travel costs, especially for frequent flyers, as checked bag fees can add up quickly.
Travel insurance and purchase protections:
Cardholders receive travel insurance benefits when they use their card to pay for travel. This insurance may cover trip cancellations, delays, lost baggage, and travel accidents. Additionally, purchase protection may cover eligible new purchases against theft and damage. These protections provide peace of mind for business travelers.
No foreign transaction fees:
For businesses that require international travel, this card waives foreign transaction fees, allowing cardholders to spend overseas without worrying about added charges. This benefit can result in substantial savings for frequent international travelers and is a common advantage cited by users.
Discounts on in-flight purchases:
Cardholders enjoy a discount when purchasing food and beverages on Delta flights. This perk helps reduce costs during long flights and can enhance the overall travel experience. Frequent travelers appreciate small savings that can add up over time.
Annual companion certificate after card renewal:
Each year, upon card renewal, users receive a companion certificate. This allows a companion to fly with the cardholder for just the cost of taxes and fees on domestic flights. Travelers financially benefit from this feature, providing a strong incentive for customers to maintain the card.

Overall, the Delta American Express Business Card offers valuable benefits tailored to frequent Delta Airlines travelers, with particular advantages for those who prioritize air travel in their business needs. Despite some views on its limitations for infrequent flyers, the card’s offerings make it a strong choice for many business owners.

How Can You Earn Rewards with the Delta American Express Business Card?

You can earn rewards with the Delta American Express Business Card by accumulating SkyMiles through purchases, utilizing specific bonus categories, and taking advantage of limited-time offers.

Earning SkyMiles: Every dollar spent on eligible purchases will earn you one SkyMile, which can be redeemed for flights, upgrades, and other travel benefits. This straightforward accrual system encourages regular card usage for varied spending.

Bonus Categories: The card offers higher rewards in certain categories:
– 2 miles per dollar on purchases made directly with Delta.
– 2 miles per dollar on select U.S. advertising purchases.
– 1 mile per dollar on all other eligible purchases.
These categories enable users to maximize rewards based on their spending habits.

Sign-up Bonus: New cardholders are often eligible for a welcome bonus. For instance, you might earn 60,000 bonus miles after spending $3,000 within the first three months of account opening. This substantial boost can quickly enhance your SkyMiles balance.

Companion Certificate: Each year, cardholders receive a domestic companion certificate upon renewal of their card. This certificate allows a companion to fly with you on a paid domestic flight, providing significant savings.

In-flight Purchases and Benefits: Cardholders can earn additional miles on in-flight purchases. Furthermore, flying Delta provides perks such as priority boarding and preferred seating options.

Annual Fee: Keep in mind that the card comes with an annual fee, which may vary based on the specific card option. Evaluating the benefits against this fee is important to determine overall value.

These features make the Delta American Express Business Card a valuable tool for earning travel rewards and enhancing your overall travel experience.

What Travel Perks Come with the Delta American Express Business Card?

The Delta American Express Business Card offers various travel perks to its users, enhancing their travel experiences with benefits that can save money and provide convenience.

The main travel perks include:
1. Earn miles on purchases.
2. Free checked baggage.
3. Priority boarding.
4. Delta Sky Club access.
5. In-flight discounts.
6. No foreign transaction fees.
7. Travel accident insurance.
8. Car rental loss and damage insurance.

These benefits significantly improve the value of the Delta American Express Business Card, making it a compelling choice for frequent travelers.

Earn Miles on Purchases:
The Delta American Express Business Card allows cardholders to earn miles for every dollar spent. Cardholders earn 2 miles per dollar spent on Delta purchases and 1 mile on other purchases. This feature incentivizes spending and increases potential savings on future travel.
Free Checked Baggage:
Cardholders receive one free checked bag on Delta flights. This perk can save travelers $30 or more per flight, depending on the route. Over several flights, these savings can add up, making it beneficial for frequent Delta travelers.
Priority Boarding:
The card provides access to priority boarding on Delta flights. This allows travelers to board early and secure overhead bin space, enhancing the overall travel experience. It mitigates the stress often associated with boarding procedures.
Delta Sky Club Access:
Cardholders can enjoy access to Delta Sky Clubs when flying with Delta airlines. This exclusive access offers comfortable lounges with complimentary snacks, beverages, and high-speed Wi-Fi. Sky Clubs can provide a more relaxing environment before flights, especially during long layovers.
In-Flight Discounts:
Using the Delta American Express Business Card provides discounts on in-flight purchases. Travelers can save on food, beverages, and other in-flight services, adding value during their trips.
No Foreign Transaction Fees:
The card imposes no foreign transaction fees, making it suitable for international travelers. Cardholders can use their cards abroad without incurring extra charges, which can be a significant financial advantage for those traveling overseas frequently.
Travel Accident Insurance:
The card includes travel accident insurance, which covers cardholders in case of accidents during travel. This protection adds peace of mind when traveling and demonstrates the card’s commitment to ensuring traveler safety.
Car Rental Loss and Damage Insurance:
The Delta American Express Business Card provides coverage for car rental loss and damage when cardholders use it to pay for rental cars. This insurance can save money on rental agreements and provide additional protection for travelers on the road.

These perks position the Delta American Express Business Card as a valuable tool for frequent Delta flyers, balancing costs and enhancing travel experiences. However, some may argue that the annual fee may outweigh the benefits for infrequent travelers. Ultimately, its value depends on individual travel habits and preferences.

How Does the Delta American Express Business Card Compare to Competing Business Credit Cards?

The Delta American Express Business Card offers a range of features that can be compared with competing business credit cards. Below is a comparison of key features such as annual fees, rewards, and benefits.

Feature	Delta American Express Business Card	Competitor A	Competitor B
Annual Fee	$250	$95	$149
Rewards Rate	2X on Delta purchases, 1.5X on other purchases	1.5% on all purchases	2% on travel, 1% on others
Sign-Up Bonus	70,000 bonus miles after spending $4,000 in the first 3 months	50,000 points after $3,000 in the first 3 months	40,000 miles after $2,500 in the first 3 months
Free Checked Bags	Yes, first bag free for up to 9 passengers	No	Yes, first bag free
Priority Boarding	Yes	No	Yes
Foreign Transaction Fees	No	Yes	No
Travel Insurance	Yes	No	Yes
Purchase Protection	Yes	No	Yes
Annual Rewards Cap	No cap	Cap of $10,000	No cap

What Unique Features Differentiate the Delta American Express Business Card?

The Delta American Express Business Card features several unique attributes that set it apart from other business credit cards.

Delta SkyMiles Accumulation
Travel Perks and Benefits
Bonus Offers and Promotions
Complimentary In-Flight Services
Annual Fee and Rewards Structure
Travel Insurance Options

The features highlighted above demonstrate various aspects of the Delta American Express Business Card. Each point offers distinct advantages that cater to different business travel needs and preferences.

Delta SkyMiles Accumulation:
The Delta SkyMiles Accumulation feature allows cardholders to earn miles on every purchase. For every dollar spent on Delta flights, users earn 2 miles. Cardholders also earn 1 mile per dollar spent on all other purchases. This rewards structure benefits frequent Delta flyers by helping them quickly accumulate miles that can be redeemed for flights, upgrades, and other travel-related expenses.
Travel Perks and Benefits:
The travel perks and benefits include priority boarding, free checked bags, and access to Delta Sky Club lounges. Priority boarding enables cardholders to board early, ensuring space for their carry-on luggage. A free checked bag can save travelers significant fees, particularly on round-trip flights. Lounge access enhances the travel experience by providing a comfortable environment before flights.
Bonus Offers and Promotions:
The Delta American Express Business Card often comes with attractive bonus offers. New cardholders may be eligible for significant bonus miles if they meet a minimum spending requirement within the first few months. These promotions provide an immediate boost to their SkyMiles balance, encouraging additional spending to reach travel rewards faster.
Complimentary In-Flight Services:
Complimentary in-flight services include access to premium food and beverage options on eligible flights. Cardholders can enjoy complimentary upgrades to first-class seating based on availability. Such benefits can greatly enhance the travel experience, making it more comfortable and enjoyable for business trips.
Annual Fee and Rewards Structure:
The card typically carries a higher annual fee than standard business credit cards. This fee is justified by the extensive benefits and rewards program. The rewards structure, combined with the card’s travel essentials, makes it a valuable tool for businesses that frequently fly with Delta Airlines. For some users, the cost may be balanced by the perks received.
Travel Insurance Options:
Travel insurance options provide peace of mind for cardholders on business trips. Coverage may include trip cancellation, lost luggage, and emergency medical expenses. Such protections not only help in unexpected situations but also enhance the overall value of the card, especially for businesses worried about travel risks.

In conclusion, the Delta American Express Business Card uniquely combines travel benefits, rewards accumulation, and insurance protections tailored to frequent Delta flyers.

What Are the Interest Rates and Fees Associated with the Delta American Express Business Card?

The interest rates and fees associated with the Delta American Express Business Card include varying annual percentage rates (APRs), annual fees, and transaction fees.

Interest Rates
Annual Fees
Transaction Fees
Foreign Transaction Fees
Late Payment Fees
Cash Advance Fees

Understanding these aspects is vital for potential cardholders.

Interest Rates: The interest rates on the Delta American Express Business Card usually vary based on the applicant’s creditworthiness. Typically, the variable APR can range from around 15.99% to 24.99%, reflecting the risk level determined by credit history. Applicants with excellent credit often receive a lower rate, while those with lower credit scores may face higher rates.
Annual Fees: The annual fee for the Delta American Express Business Card is typically $195. However, some promotions may waive this fee for the first year, providing an opportunity for new cardholders to evaluate the card’s benefits without initial costs.
Transaction Fees: Cardholders may incur transaction fees for specific activities. For example, balance transfer fees may apply when transferring balances from other credit cards. These fees generally amount to either $5 or 3% of the transfer amount, whichever is greater.
Foreign Transaction Fees: The Delta American Express Business Card does not charge foreign transaction fees. This feature is beneficial for cardholders who frequently travel internationally, allowing for cost-effective purchases abroad.
Late Payment Fees: If a payment is missed, cardholders may incur late payment fees, which can range from $29 to $39. Consistent late payments may also lead to increased interest rates, making it crucial to pay monthly statements on time.
Cash Advance Fees: Cash advances with the Delta American Express Business Card typically incur fees. These fees can range from either 5% of the cash advance amount or $10, whichever is greater. Additionally, cash advances can have higher interest rates compared to standard purchases, which adds financial risk.

In conclusion, understanding the interest rates and fees helps potential cardholders assess the overall value of the Delta American Express Business Card.

What Upgrade Offers Are Available for the Delta American Express Business Card?

The Delta American Express Business Card offers several upgrade options for cardholders looking to enhance their benefits.

Here are the main upgrade offers available for the Delta American Express Business Card:

Upgraded Miles Earning Rates
Increased Baggage Allowance
Complimentary Delta Sky Club Access
Annual Companion Certificate
Higher Spending Threshold

To explore these upgrades in detail, let’s examine each one closely.

Upgraded Miles Earning Rates: Upgraded miles earning rates allow cardholders to earn more miles per dollar spent on various categories such as Delta purchases, restaurants, and office supply stores. Cardholders may achieve a higher tier that boosts mileage accumulation significantly. This can result in faster loyalty rewards or free flights.
Increased Baggage Allowance: Increased baggage allowance provides cardholders with the benefit of checking more bags without incurring additional fees. This makes travel more convenient and cost-effective, especially for business trips that may require multiple bags for equipment or clothing.
Complimentary Delta Sky Club Access: Complimentary access to Delta Sky Clubs can enhance the travel experience by providing a quiet place to relax before flights. Access includes amenities such as snacks, beverages, and comfortable seating. This feature appeals to frequent travelers who prioritize comfort and convenience during their journeys.
Annual Companion Certificate: This upgrade offers cardholders a certificate that allows a companion to fly with them for free on a domestic flight, provided they pay the taxes and fees. This benefit is highly valued by business travelers who often travel with colleagues or family, maximizing the use of their travel budget.
Higher Spending Threshold: A higher spending threshold upgrade means that cardholders can achieve elite status faster. Increased spending limits can lead to more premium rewards and advantages, like priority boarding or upgrades to first class. This is particularly attractive for businesses that value frequent travel and premium service.

These upgrades reflect various perspectives on the usage and benefits of the Delta American Express Business Card. Each feature caters to different needs, enhancing the overall value of the credit card for business travelers.

How Can You Access Exclusive Upgrades for the Delta American Express Business Card?

You can access exclusive upgrades for the Delta American Express Business Card through targeted promotions, loyalty programs, and leveraging your spending habits.

Targeted promotions often come from Delta or American Express to select cardholders. For example, you may receive offers via email or through your account page. These promotions may include limited-time access to upgrades or bonus points.

Loyalty programs reward frequent flyers and cardholders. Delta’s SkyMiles program allows you to earn miles based on your spending. Spending more on your card can elevate your status within the program, leading to potential upgrades. Research from the Points Guy highlights that higher-tier members often receive better offers.

Leveraging your spending habits can significantly benefit you. The Delta American Express Business Card grants 2 miles for every dollar spent on eligible purchases like airline tickets and dining. Higher spending might qualify you for special promotions or offers that provide upgrades.

In conclusion, by taking advantage of targeted promotions, participating in loyalty programs, and maximizing your spending, you can access exclusive upgrades for the Delta American Express Business Card.

What Are the Eligibility Criteria for Delta American Express Business Card Upgrade Offers?

The eligibility criteria for Delta American Express Business Card upgrade offers include several specific requirements.

Existing Cardholder Status
Good Credit Standing
Account Age and Usage
Invitation Limitations
Business Travel Frequency

Having established the main criteria, it is essential to explore each in detail to understand how they influence eligibility.

Existing Cardholder Status: Being an existing cardholder is often a prerequisite for upgrade offers. Cardholders who already have a Delta American Express Business Card may receive promotions to upgrade to a higher-tier card. This approach encourages customer loyalty and increases satisfaction.
Good Credit Standing: Maintaining a good credit history is crucial for eligibility. The credit score reflects an individual’s reliability in repaying debts. A higher score may not only qualify cardholders for an upgrade but also for additional perks. According to Experian, a score of 700 or above is generally seen as good.
Account Age and Usage: The length of time the cardholder has had their account and their usage frequency can also affect eligibility. Cardholders who regularly use their card for transactions may be viewed favorably. This requirement encourages active engagement with the card.
Invitation Limitations: Some upgrade offers may be limited to select cardholders who receive invitations. American Express may extend these invitations based on internal metrics. Therefore, not all eligible cardholders will receive an offer.
Business Travel Frequency: Frequent business travelers may receive higher-tier upgrade offers. Delta aims to attract customers who maximize travel rewards. Regular flights and spending with Delta Airlines can demonstrate loyalty, making these cardholders more appealing for upgrades.

Understanding these criteria helps cardholders navigate the upgrade process effectively.

What Do Users and Experts Say About the Delta American Express Business Card?

Users and experts generally appreciate the Delta American Express Business Card for its travel rewards and benefits but note potential drawbacks regarding fees and redemption restrictions.

Reward Structure: Users like the bonus miles on flight purchases but criticize the complexity of redemption.
Travel Benefits: Experts highlight perks like free checked bags and priority boarding, which enhance travel experience.
Fees and Interest Rates: Some users find the annual fee high compared to other business credit cards, impacting value perception.
Customer Service: Mixed reviews exist about customer support experiences, with some users praising responsiveness and others reporting delays.
Additional Features: Discounts on Delta lounge access and car rentals are appreciated by frequent travelers, though not all users utilize these perks.
Flexibility: Users express a desire for more flexibility in redeeming points, especially for non-flight expenses.

Considering these varied perspectives can help potential cardholders make informed decisions about applying for the Delta American Express Business Card.

Reward Structure: The reward structure of the Delta American Express Business Card includes earning miles on every purchase, especially offering additional bonus miles for tickets purchased directly from Delta Airlines. This system encourages travel-related spending, which can lead to significant mileage accumulation. However, some users feel the complexity in redeeming these rewards diminishes the card’s overall value. According to a 2022 survey by J.D. Power, only 51% of cardholders felt they clearly understood how to redeem their rewards.
Travel Benefits: Travel benefits greatly enhance the card’s appeal. Cardholders enjoy perks like one free checked bag on Delta flights and priority boarding, which saves time and money. These benefits are particularly useful for business travelers who often have to fly. According to Delta’s website, these perks can save a family up to $240 per round trip, making the card more economical for frequent flyers. Experts note these benefits significantly improve the overall travel experience.
Fees and Interest Rates: The annual fee for the Delta American Express Business Card can be a point of contention. While many users recognize the potential rewards can outweigh the fee, others feel the cost is too high compared to alternative business cards that offer similar benefits without charges. For instance, according to a 2023 Consumer Reports analysis, many competing cards have lower fees and simpler reward structures. This discrepancy leads to divergent opinions on the card’s value based on individual spending habits.
Customer Service: Customer service reviews vary. Some users report positive experiences, highlighting quick responses and effective solutions from representatives. Conversely, others describe frustrating delays and insufficient help. A 2023 report from the Consumer Financial Protection Bureau indicates that customer service satisfaction in credit card companies highly influences user loyalty, which could impact the perception of this card.
Additional Features: The Delta American Express Business Card offers discounts on lounge access and car rentals, attracting users who frequently travel for business. These additional features can be beneficial but may not be utilized by all cardholders. According to recent user feedback, those who travel extensively find these perks valuable, while occasional travelers might overlook them entirely.
Flexibility: Flexibility in redeeming points is a common concern. Many users desire more options, particularly for using points on non-flight related expenses, like hotel stays or car rentals. The limited choices can be frustrating for some cardholders, diminishing the travel rewards’ appeal. According to a 2023 study by ValuePenguin, flexible reward redemption remains a top priority for consumers when choosing a travel rewards card.

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