8 Reasons To Get A Delta Amex Small Business Card

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Update: These offers for the Delta SkyMiles® Credit Cards are expired. Learn more about the current offer here.

At the moment we’re seeing increased limited time sign-up bonuses on Delta’s co-branded credit cards, including the highest ever bonus on their Platinum card, offering 70,000 bonus miles upon completing minimum spend. The details of the offers are as follows (there are both personal and business versions of the Gold and Platinum cards):

In this post I wanted to share eight reasons you should consider applying for a small business Delta American Express credit card. The first five reasons apply to both personal and business versions of the card, while the last three points only apply to the business versions of the card.

With that in mind, here we go:

Great partner award redemptions

As much as there are aspects of Delta SkyMiles that I don’t like, there are also lots of great things about the program. Delta SkyMiles are great for business class redemptions, in particular to Europe and Asia. It used to be that a big advantage of American and United over Delta was that you could redeem for international first class, but now that those redemptions have largely been devalued, that’s less of a consideration.

For international business class redemptions, I’d say SkyMiles are more or less as useful as AAdvantage miles and MileagePlus miles. For example, you can redeem on Alitalia, Air France, KLM, or Virgin Atlantic to Europe, or on China Airlines or Korean Air to Asia. Many of these airlines have exceptional business class award availability.

China-Airlines-Business-Class-777 - 14
China Airlines’ excellent business class product

$500-700 towards travel

Say you don’t want to deal with how frustrating it can sometimes be to redeem miles. Delta SkyMiles can be redeemed for one cent each towards the cost of a ticket, and it even qualifies as a revenue ticket for the purpose of earning miles. You have to do this in certain increments, but for some people this is a really desirable redemption option.

For the Gold Delta Amex Card that’s like $500 towards Delta flights with the 50,000 mile sign-up bonus, while for the Platinum Delta Amex Card that’s like $700 towards Delta flights with the 70,000 mile sign-up bonus. That’s the absolute minimum value you should get out of this bonus.

DL-Pay-With-Miles

$50-100 statement credits

The Gold version of the card comes with a $50 statement credit, while the Platinum version comes with a $100 statement credit. You get these credits as long as you make a Delta purchase of that amount within the first three months. That means you could buy a Delta gift card for that amount and have it reimbursed. Even non-Delta flyers will likely get around to using those credits at some point, since they don’t expire.

delta-statement-credit

Four choices of sign-up bonuses

You have four different cards here, and you’re eligible for the welcome bonus on each card once. So if you had the personal Gold you can still get approved for the personal Platinum, etc.

The major restrictions to be aware of with American Express are that you can typically have at most four charge cards and four credit cards with them at a given point. All four of these cards are credit cards and not charge cards.

Refer-a-friend

There’s a very generous refer-a-friend bonus on the Delta Amex cards at the moment, where you can get 10,000 miles after you refer a friend to the card, and you can earn up to 55,000 Delta miles per year through this. If you sign up for the card now you should still be able to refer others to the card. This is a great way to boost the miles you earn with these cards even further.

delta-amex-referral-1

Business cards don’t apply towards 5/24

Many people are concerned about Chase’s 5/24 rule, where you typically won’t get approved for many Chase cards if you’ve opened five or more new accounts in the past 24 months. Generally business accounts don’t qualify towards that limit, including the Gold Delta Amex Business Card and Platinum Delta Amex Business Card. So this is a great option for those trying to keep their number of “new accounts” for that metric to a minimum.

Business cards that are relatively easy to get approved for

Some issuers make it very difficult to be approved for a small business credit card, requiring you to be incorporated for years, have hundreds of thousands of dollars of revenue, etc.

Meanwhile American Express is anecdotally great about approving people for small business credit cards, working with them from day one. I’ve written in the past about getting approved for an Amex small business card as a new sole proprietorship with limited business revenue. Assuming your credit is good, you should have good odds of getting approved.

Amex OPEN Savings

The business versions of these cards qualify for the Amex OPEN Savings benefit, which gets you a 5% discount for purchases at select retailers. This includes select purchases at FedEx, Hertz, HP, Barnes & Nobles, etc. The savings at these retailers could quickly add up.

Amex-Open-Savings-Benefit

Bottom line

The increased sign-up bonuses on the Delta Amex cards are fantastic, and I don’t ever recall seeing a better offer on these cards. There are lots of great reasons to consider applying for these cards, so hopefully some of you can pick up extra Delta SkyMiles through these offfers.

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Comments

  1. Hello,

    If I’ve had the AMEX business platinum card for one business before, then I apply for the card using a different business, would I still qualify for the bonus?

    Thanks! Love your blog!

  2. Note: any AMEX business card may open you up towards the dreaded Financial Review.

    Don’t lie or overstate income. Use the card for provable business expenses. If you get caught by either of those issues, all your AMEX (personal and business) cards are toast!

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