American Express issues three Delta SkyMiles business cards. Delta Gold Business, Delta Platinum Business, and Delta Reserve Business publish different annual fees, different mile rates, and different lounge rules. The figures below are the ones on those card pages in October 2026.
The continuing fees are $150, $350, and $650. The gap from Gold’s continuing fee to Platinum is $200. The gap from Platinum to Reserve is $300. Older headings that said $100 and $400 described a different fee schedule.
What fees and mile rates does each card list?
| Term | Gold Business | Platinum Business | Reserve Business |
|---|---|---|---|
| Annual fee | $0 for the first year, then $150 | $350 | $650 |
| Delta miles | 2x | 3x on Delta and on hotels | 3x |
| Other elevated miles | 2x at restaurants, and 2x at U.S. shipping and U.S. advertising in select media, each capped at $50,000 a year | 1.5x on transit, U.S. shipping, and purchases of $5,000 or more, up to $100,000 combined a year | 1.5x on transit, U.S. shipping, and U.S. office supply stores. After $150,000 in a year, 1.5x on eligible purchases |
| Checked bags | First bag free. Second bag free on domestic Delta | Same | Same |
| Companion certificate | None on the page | Delta Main, after renewal | Delta First, Comfort+, or Main, after renewal |
| Delta Stays credit | Up to $150 | Up to $200 | Up to $250 |
| Resy credit | None on the page | Up to $120 a year, $10 a month | Up to $240 a year, $20 a month |
| Sky Club | None | None | 15 visits per Medallion year. Unlimited after $75,000 in a calendar year |
| Global Entry or TSA PreCheck | None on the page | Statement credit every 4 years | Statement credit every 4 years |
| Foreign transaction fee | None | None | None |
Rates that share a row still differ in the cap or the category. The table is the page text, not a score.
How each card is structured
All three are cobranded revolving business cards. Miles post to a Delta SkyMiles account. The cards do not pool those miles into Membership Rewards.
Gold’s 2x categories are Delta, restaurants, U.S. shipping, and U.S. advertising in select media. The shipping cap and the advertising cap are each $50,000 of eligible purchases a year. Other purchases earn 1x. The page also lists a $200 Delta flight credit after $10,000 of purchases in a year, and up to $120 of rideshare credits after the first renewal, at $10 a month. Inflight savings are 20% back as a statement credit. Boarding is Zone 5. The page states no lounge access.
Platinum earns 3x on Delta and on hotels, and 1.5x on transit, U.S. shipping, and single purchases of $5,000 or more. Those 1.5x categories share a $100,000 combined cap per year. When a purchase fits a higher rate, only the higher rate applies. Other purchases earn 1x. Boarding is Zone 5. The page says the card does not include complimentary Delta Sky Club access.
Reserve earns 3x on Delta and 1.5x on transit, U.S. shipping, and U.S. office supply stores. After $150,000 of purchases in a year, eligible purchases earn 1.5x for the rest of the year unless a higher rate applies. The page lists upgrade priority within a Medallion tier rather than a boarding zone.
The three cards are SkyMiles cobrands with different category lists. They are not three fees for one earn rate.
Fees and credits
Gold’s annual fee is $0 for the first year and $150 after that. Platinum’s annual fee is $350. Reserve’s annual fee is $650. None of the three pages lists a foreign transaction fee. Each page says American Express does not charge one on purchases outside the United States.
Delta Stays credits are statement credits on prepaid bookings through Delta Stays on delta.com. The caps are $150, $200, and $250. Gold’s separate $200 flight credit requires $10,000 of purchases in a year. That flight credit is not listed on the Platinum or Reserve pages fetched in October 2026.
Resy credits require enrollment. Platinum is up to $10 a month, $120 a year. Reserve is up to $20 a month, $240 a year. Gold’s page does not list a Resy credit.
Global Entry or TSA PreCheck credits on Platinum and Reserve are one statement credit every four years. The Reserve page states $120 for a Global Entry application and up to $85 for TSA PreCheck through an official enrollment provider. Gold’s page does not list that credit.
A companion certificate on Platinum is a Delta Main round trip in the domestic United States, the Caribbean, or Central America, issued after renewal. Reserve’s certificate adds Delta First and Delta Comfort+ to Main, in the same regions, also after renewal. Both pages say the certificate requires government taxes and fees of $22 to $250 and does not cover Delta Basic. Gold’s page does not list a companion certificate.
The fee line and the credit caps are different on each card. A credit posts only after the purchase the page names.
Limits, eligibility, and lounge rules
Sky Club access is a Reserve rule. The page gives 15 visits each Medallion year when flying Delta, and unlimited visits after $75,000 of purchases in a calendar year. When the Delta flight is bought with the Reserve card, the page also includes Centurion Lounge and Escape Lounge access. Platinum’s FAQ says that card does not include complimentary Sky Club access. Gold’s FAQ says the same.
MQD Headstart on Platinum and Reserve is $2,500 of Medallion Qualification Dollars each Medallion qualification year. MQD Boost is $1 per $20 of purchases on Platinum and $1 per $10 on Reserve. The Reserve page does not list an MQD waiver at $25,000 of spend. Gold’s page does not list Headstart or Boost.
Checked bags match on all three pages. The first bag is free on international and domestic Delta flights. The second bag is free on domestic Delta flights. Gold’s FAQ says the first-bag benefit covers the cardholder and up to eight additional passengers on the same reservation.
The cards are U.S. business cards. Employee cards are described on each page as cards that earn miles on employee purchases, with limits the account sets.
Lounge visits, MQD math, and bag benefits are separate limits. They do not share one threshold.
Tradeoffs and constraints
Gold’s continuing fee is $200 lower than Platinum’s fee. Platinum adds the Main companion certificate, the $120 Resy credit, MQD Headstart, MQD Boost at $1 per $20, hotel 3x, and the Global Entry or TSA PreCheck credit. Gold keeps the $0 first-year fee, the $200 flight credit after $10,000, the rideshare credit, and the 20% inflight credit, which the other two pages do not list in the same form.
Reserve’s fee is $300 higher than Platinum’s. Reserve adds Sky Club visits, Centurion and Escape access when the Delta ticket is bought with the card, a companion certificate that includes First and Comfort+, MQD Boost at $1 per $10, and a higher Resy and Delta Stays cap. Platinum keeps hotel 3x and the $5,000-purchase 1.5x category, which the Reserve earn list does not copy.
The pages do not price a Sky Club visit. A visit count and a fee gap are both on the pages. Dividing one by the other is arithmetic on those two numbers, not a valuation the card page publishes.
Miles redeem on Delta’s award chart. The earn rate does not set the miles required for a seat. Premium business cards compare a different set of annual fees, including the Business Platinum card.
