Amex Business Platinum vs Amex Delta SkyMiles Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
EXPRESS
Amex Business Platinum wins 3-2. US-incorporated startups with $50K+/year corporate spend. Amex Delta SkyMiles Gold is still the right call if delta loyalists — free first checked bag pays for the fee with one round trip..
Side-by-side
| Criterion | Amex Business Platinum | Amex Delta SkyMiles Gold |
|---|---|---|
| Annual fee | · $695 | $150 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 2% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 spend in 3 months | = 40,000 SkyMiles after $2,000 spend in 6 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
Amex Delta SkyMiles Gold
- 2x miles on Delta + restaurants + US supermarkets
- $200 Delta flight credit annually
- Free first checked bag (worth ~$60 each way)
- Priority Boarding (Zone 5)
- 15% miles discount on award flights
FAQ
›Amex Business Platinum vs Amex Delta SkyMiles Gold: which is better?
Amex Business Platinum wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum for its best categories, Amex Delta SkyMiles Gold for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Amex Delta SkyMiles Gold: 40,000 SkyMiles after $2,000 spend in 6 months.