Amex Business Gold vs Delta SkyMiles Platinum Business: Which Is Better In 2026?

Delta SkyMiles® Platinum Business American Express Breakdown

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Why We Like It

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This section breaks down why we like the Delta SkyMiles® Platinum Business American Express Card (See Rates & Fees).

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• The card is a great fit for business owners who are loyal to Delta, as its perks are designed to enhance their travel experience.
• It offers valuable benefits for frequent flyers, including an accelerated path to elite status and an annual companion certificate.

Terms apply.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• An annual companion certificate lets you bring someone along on a domestic flight each year after you renew your card.
• Accelerate your path to Delta Medallion status and enjoy travel perks like priority boarding and a free first checked bag.
• Take advantage of travel protections, statement credits for expedited security screening, and no foreign transaction fees.

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Cons

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• The card comes with a significant annual fee that is not waived in the first year.
• Key benefits like the annual companion certificate and airport lounge access have notable restrictions.
• It lacks some of the premium luxury perks offered by top-tier business travel cards.

Delta SkyMiles® Platinum Business American Express vs American Express® Business Gold Card

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Categories

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Deciding which is better, the Amex Business Gold or Delta SkyMiles Platinum Business, depends entirely on your company's specific spending habits and travel patterns. Each card caters to a different type of business owner, offering unique advantages based on your priorities.

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• American Express® Business Gold Card: This card is a versatile tool for growing companies and entrepreneurs who want to maximize rewards on their top business spending categories.
• Delta SkyMiles® Platinum Business American Express Card: This card is designed for business owners who are loyal to Delta and want to enhance their travel experience with airline-specific perks and a path toward elite status.

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Redemption

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American Express® Business Gold Card: The points you earn are highly flexible, allowing you to redeem them in various ways that suit your business needs. You can transfer points to numerous airline and hotel partners or use them to book travel directly.

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Delta SkyMiles® Platinum Business American Express Card: The miles earned are primarily designed for use within the Delta ecosystem, making them ideal for those who frequently fly with the airline. Redemptions are focused on flights with Delta and its partners, as well as on upgrades and other travel-related perks.

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Compare Top Rated Credit Cards with Kudos

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If you're looking to eliminate the guesswork, a tool like Kudos can help you compare top-rated cards using your own spending data.

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• Test drive credit cards: Using your real spending data, you can simulate potential earnings and net value for different cards before applying, all without a hard credit pull.
• Personalized recommendations: The platform analyzes your spending patterns to match you with the best cards for your habits, not just the ones with the biggest marketing budgets.
• Welcome offer guarantee: If you get a card through Kudos and find a better public welcome offer within three months, Kudos will match it.
• Extra rewards and incentives: You can unlock additional rewards, such as the $100 Kudos Kickstart+ for adding select cards or earn extra rewards when shopping with Kudos Boost.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is an excellent choice for growing businesses with variable expenses and at least $50,000 in annual spending. It's particularly well-suited for companies whose top expenditures change from month to month, as the card automatically awards 4X points on the top two spending categories each billing cycle on up to $150,000 in combined purchases annually, then 1X. Ultimately, entrepreneurs who can maximize these flexible rewards and take advantage of the card's travel protections will find that the benefits can justify the annual fee. Terms Apply.

Who Should Choose the Delta SkyMiles® Platinum Business American Express?

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The Delta SkyMiles® Platinum Business American Express card is tailor-made for business owners who are loyal to Delta and frequently travel with the airline. It's particularly valuable for small to medium-sized businesses with moderate travel needs that can take full advantage of Delta-specific perks like the annual companion certificate and pathways to Medallion elite status. Ultimately, this card is for companies looking to transform their regular business spending into significant travel rewards and an elevated flying experience on Delta.

Alternatives to Consider

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If our Amex Business Gold vs Delta SkyMiles Platinum Business comparison leads you to conclude that neither the American Express® Business Gold Card nor the Delta SkyMiles® Platinum Business American Express Card is the right fit for your company, other options are worth considering. Several alternative business cards might better align with your spending habits and reward preferences.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score: Most premium business cards require good to excellent credit for approval.
• Assess your business spending: Ensure the card’s rewards structure, like bonus categories or airline-specific perks, aligns with your company's expenses.
• Review the Welcome Offer requirements: Confirm you can meet the spending threshold and are eligible based on the issuer’s application rules.

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Application Strategy

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• Know the rules: Understand the issuer’s application rules to confirm your eligibility for the Welcome Offer.
• Time your application: Apply before a large planned purchase to help meet the spending threshold naturally.
• Prepare your documents: Have your business information ready, such as your EIN and annual revenue.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for earning flexible rewards?

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The American Express® Business Gold Card is superior for flexible rewards, as it earns Membership Rewards® points that can be transferred to numerous airline and hotel partners. The Delta SkyMiles® Platinum Business American Express Card earns SkyMiles, which are primarily redeemable for flights with Delta and its partners.

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Can I transfer points from the American Express® Business Gold Card to Delta SkyMiles?

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Yes, you can transfer the Membership Rewards® points earned with your Business Gold Card to your Delta SkyMiles account. Delta Air Lines is one of American Express's airline transfer partners, though you should always check the current transfer ratio.

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Is the Delta SkyMiles® Platinum Business American Express Card worth it if I don't fly Delta often?

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If you rarely fly with Delta, you may struggle to maximize the value of the Delta SkyMiles® Platinum Business American Express Card. Its key benefits, such as free checked bags and the annual companion certificate, are specifically tied to flying with the airline (Terms apply).

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