| Card | Amex Gold Delta Business | Amex Platinum Delta Business | Delta SkyMiles Reserve Business Amex Card |
| Welcome Bonus | Earn 40,000 miles after $2,000 spent within the first 3 months | Earn 10,000 MQM after $25,000 spent in a calendar year | Earn 45,000 points after $4,000 spent within the first 3 months (terms apply). |
| Annual Fee | $0 intro annual fee for the first year, then $99 | $250 | $550 |
| Rewards | - Earn 2 points on Delta purchases, restaurants, U.S shipping, and U.S. advertising with select media
- Earn 1 point everywhere else | - Earn 3 points on Delta purchases, and with purchases made directly with Hotels
- Earn 1.5 points on purchases of $5,000 or more
- Earn 1 point everywhere else | - Earn 3 points per $1 spent on Delta purchases
- Earn 1.5 points on all purchases after $150,000 spent per calendar year.
- Earn 1 point per $1 spent everywhere else |
| Upgraded Status | | Earn 10,000 MQM after $25,000 spent in a calendar year | Earn 15,000 Medallion Qualification Miles (MQMs) after each time you spend $30,000 in a calendar year, up to four times per year (total of 60,000 MQMs)Upgrade priority for upgrades within your status class |
| Free baggage | First checked bag free for you and up to 8 companions traveling on the same reservation. To qualify, make sure to include your Skymiles on your reservation. | First checked bag free for you and up to 8 companions traveling on the same reservation. To qualify, make sure to include your Skymiles on your reservation. | First checked bag free for you and up to 8 companions traveling on the same reservation. To qualify, make sure to include your Skymiles on your reservation. |
| Credits | Earn $100 Delta flight credit after $10,000 spent within a calendar year | | |
| Extra Redemption Value | Pay with Miles program. Get a minimum of 1 cent per mile on Delta flights | Pay with miles program, get a minimum of 1 cent per mile on delta flights | Pay with miles program, get a minimum of 1 cent per mile on delta flights |
| Companion Pass | | Free annual companion certificate. The certificate is valid for any round-trip, main cabin domestic travel booked in fare classes L, U, T, X or V. You will need to pay the companions taxes and fees (max $75) . | Free annual companion certificate. The certificate is valid for any domestic round-trip, First-class, Delta Comfort, or main cabin travel booked in fare classes I, Z, L, U, T, X or V. You will need to pay the companions taxes and fees (max $75). |
| Global Entry and TSA pre-check | | Statement credit for Global Entry or TSA Pre-Check once every 4 - 4.5 years | Global Entry or TSA Pre-Check once every 4 - 4.5 years |
| No Foreign Transaction Fee | None | None | None |
| Lounge Access | | Discount rate for Delta lounges ($39 per visit) | Delta Sky Club access (when flying Delta) plus, two one time guest passes each year, plus get access to Centurion Lounges (when flying Delta) |
| Trip Cancellation Insurance | | | Up to $10,000 per person per trip for a max of $20,000 per year |
| Auto Rental Collision Insurance | Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000). | Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000). | Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $75,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000). |
| Lost Luggage Reimbursement | Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents) | Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents) | Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents) |
| Trip Delay Reimbursement | | If your flight is delayed more than 12 hours you can claim up to $300 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year). | If your flight is delayed more than 6 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year). |
| Return Protection | | | Not happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $300 per claim, $1,000 per year) |
| Extended Warranty Protection | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year. | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year. | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year. |
| Purchase Protection | Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year) | Get refunded if your purchase is damaged or stolen for up to 90 days from the date of purchase. Max $1,000 per claim ($50,000 per year) | Get refunded if your purchase is damaged, lost, or stolen for up to 90 days from the date of purchase. Max $1,000 per claim ($50,000 per year) |
| Authorized User Fee | $0 | $0 | $175 |
| Priority Boarding | Priority boarding on Delta flights | Priority boarding on Delta flights | Priority boarding on Delta flights |
| Inflight Savings | Get a 20% discount on in flight purchases | Get a 20% discount on in flight purchases | Get a 20% discount on in flight purchases |
