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

Delta SkyMiles® Platinum American Express Breakdown

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Why We Like It

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Here’s a breakdown of why we like the Delta SkyMiles® Platinum American Express Card (See Rates & Fees).

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• The card offers a valuable annual companion certificate that can significantly reduce the cost of traveling with a partner.
• It provides an accelerated path to earning Delta Medallion status for loyal flyers.
• Cardholders receive various statement credits and travel protections that add significant value and peace of mind.

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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• Valuable annual companion certificate for domestic round-trip flights.
• Accelerated path to Delta Medallion status for loyal flyers.
• Annual statement credits for dining and rideshares, plus a credit for your TSA PreCheck® or Global Entry application fee.

Terms Apply.

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Cons

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• Carries a significant annual fee.
• Does not include complimentary Delta Sky Club® access.
• The annual companion certificate is limited to certain flights.

Terms Apply.

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

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Categories

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Deciding which is better, Amex Business Gold or Delta SkyMiles Platinum, comes down to your primary spending habits and travel preferences. One card offers flexible rewards for business expenses, while the other is tailored for loyal airline customers.

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• American Express® Business Gold Card: This card is best for business owners with variable expenses who want to automatically earn rewards in their top spending categories without having to pre-select them. It's particularly valuable for companies that value flexible rewards and have significant annual business spending.
• Delta SkyMiles® Platinum American Express Card: This card is ideal for frequent Delta Air Lines travelers and their families looking to enjoy premium travel perks. It's designed for those who are loyal to the airline and want to accelerate their path toward Medallion status.

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Redemption

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American Express® Business Gold Card: The Membership Rewards® points you earn are highly flexible and can be redeemed in various ways, from transferring them to airline and hotel partners to booking travel directly.

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Delta SkyMiles® Platinum American Express Card: Rewards are earned as SkyMiles, which are primarily redeemed for flights with Delta and its partner airlines, as well as for seat upgrades and other travel experiences.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial companion that helps you compare thousands of credit cards to find the best one based on your unique spending patterns.

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• Test Drive Cards: Before you apply, you can simulate your potential earnings with a new card using your actual spending data—all without a hard credit pull or commitment.
• Personalized Recommendations: Get matched with the best card for you based on an analysis of your spending history.
• Approval Odds: Receive a detailed analysis of your approval odds based on your credit report.
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Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is tailored for established businesses with dynamic spending patterns and annual expenses exceeding $50,000. It's particularly valuable for companies whose largest expenditures fall into categories like U.S. advertising, shipping, or airfare, as the card automatically awards 4X points on the top two spending categories each billing cycle. Ultimately, this card is a strong choice for entrepreneurs who can leverage these flexible, high-earning rewards to easily offset the annual fee. Terms Apply.

Who Should Choose the Delta SkyMiles® Platinum American Express?

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The Delta SkyMiles® Platinum American Express card is an ideal choice for loyal Delta flyers looking to fast-track their way to Medallion status. Cardholders who travel with a partner or family will find significant value in the annual companion certificate and free checked bag benefits (Terms apply). It's also well-suited for moderate-to-heavy spenders who can take full advantage of the card's statement credits, effectively offsetting the annual fee while enjoying premium travel perks.

Alternatives to Consider

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If our Amex Business Gold vs Delta SkyMiles Platinum comparison has left you feeling like neither card is the perfect match, don't worry. There are plenty of other excellent business and travel rewards cards on the market to consider.

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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 - Premium cards generally require good to excellent credit for approval.
• Assess your spending habits - Ensure your business expenses align with the card’s bonus categories to maximize rewards.
• Review Amex’s application rules - You may not be eligible for the Welcome Offer if you have or have had this card before.

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Application Strategy

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• Have your business info ready - Be prepared to provide your business’s tax ID number and revenue details during the application.
• Leverage your Amex history - A positive existing relationship with American Express may improve your approval odds.
• Consider the reconsideration line - If not instantly approved, you can call to ask for a manual review of your application.

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

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Yes, you can transfer American Express Membership Rewards points earned with the Business Gold card to the Delta SkyMiles program. This flexibility allows you to use your points for Delta flights, often at a 1:1 transfer ratio.

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Which card is better for airport lounge access?

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Neither the American Express® Business Gold Card nor the Delta SkyMiles® Platinum American Express Card offers complimentary lounge access. However, the Delta Platinum card does provide access to the Delta Sky Club for a fee per visit.

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How does the Delta Companion Certificate work?

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The Companion Certificate is a key benefit of the Delta SkyMiles® Platinum American Express Card, received each year upon card renewal. It lets you book one domestic Main Cabin round-trip companion ticket for just the cost of taxes and fees. Terms Apply.

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