Updated with new perks, increased credits, and increased annual fee. card_name is the classic premium travel card, with an extended list of luxurious perks along with a hefty annual fee. It’s time for another look again as they have added many new perks and increased their annual fee. Notable, none of the previous credit and features were removed, so all the improvements can be easily compared to see if you feel they offset the annual fee increase.

Here is the sign-up bonus and rewards structure:

• As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards(R) points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• 5X Membership Rewards(R) points on all flights and prepaid hotel bookings through American Express Travel(R), including Fine Hotels + Resorts(R) and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel(R) on up to $500,000 on these purchases per calendar year.
• 1X MR points on other purchases.

Here are the many statement credits included with the card:

• NEW! $300 lululemon Credit. Enjoy up to $75 in statement credits each quarter when you use the Platinum Card(R) for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• NEW! $400 Resy Credit + Platinum Nights by Resy. When you use the Platinum Card(R) to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card(R). Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• Improved: $300 Digital Entertainment Credit (up to $25 per month). Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card(R) at participating partners. Enrollment required.
• Improved: $600 Hotel Credit. Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts(R) or The Hotel Collection* bookings through American Express Travel(R) using the Platinum Card(R). *The Hotel Collection requires a minimum two-night stay.
• Improved: $200 Uber Cash + $120 Uber One Credit. With the Platinum Card(R) you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card(R) to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card(R) to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $200 Airline Fee credit. Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card(R) Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• $155 Walmart+ Credit. Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card(R). *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• Global Entry or TSA PreCheck(R) credit. Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck(R) application fee (through a TSA official enrollment provider), when charged to your Platinum Card(R). Global Entry includes TSA PreCheck at no additional cost.
• $209 CLEAR(R) Plus Credit. CLEAR(R) Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card(R). *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $100 Saks Credit. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card(R). That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• $300 Equinox credit annually. Up to $300 back in statement credits each calendar year towards an Equinox membership. Enrollment is required.
• $300 SoulCycle At-Home Bike credit. $300 statement credit for the purchase of a SoulCycle at-home bike. Enrollment is required.
• American Express Global Lounge Collection(R). With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection(R), over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club(R) visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass™ Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• $895 annual fee.
• See Rates and Fees

Note the following language:

Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.

Not sure about your history? The application will tell you if they detect that you are not eligible for the bonus based on their records. Given that you can only get the welcome offer once time per lifetime, it is best to apply during a limited-time offer.

Membership Rewards points can be converted to the following airline and hotel programs (there are more, this is just a selection):

• Delta SkyMiles
• Hawaiian Airlines
• JetBlue
• ANA Mileage Club (partner of United Airlines)
• Air Canada (partner of United Airlines)
• British Airways (partner of American Airlines)
• FlyingBlue (Air France/KLM)
• Singapore Airlines
• Virgin Atlantic
• Choice Privileges
• Hilton Honors
• Marriott Rewards (Starwood)

They also run limited-time 25% to 40% bonuses on points transfers. You can also transfer to gift cards many retailers at varying rates, but many available at the rate of 10,000 MR points = $100 gift card. My most recent redemption was a $100 Home Depot card for 10,000 points, sometimes less when they run special discount. However, don’t expect the cash-equivalent prepaid credit cards at that rate, it’s usually closer to a 0.6 cent/point ratio.

American Express Global Lounge Collection. With American Express Global Lounge Collection(R), eligible Card Members can enjoy access to over 1,550 airport lounges globally, including:

• The Centurion® Lounges
• Delta Sky Club(R) Access when flying an eligible Delta flight
• Escape Lounges
• Priority Pass(TM) Select Lounges. Enrollment required
• Lufthansa Lounges, when flying Lufthansa Group
• Plaza Premium Lounges

Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass™ Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express(R) App or visit http://www.americanexpress.com/findalounge#/loungefinder.

Adding together all the many credits, you can easily see that the perks can easily add up to much more than the $895 annual fee. The question is whether you can take advantage of those perks and how much value you personally get out of them. Enrollment is required for select benefits.

Bottom line. card_name has added an impressively large list of new perks while also adding a generous welcome offer. You’ll have to see if your lifestyle matches up to the perks that this card offers.

I will be adding this improved offer on my list of Top 10 Best Credit Card Bonus Offers.

(See Rates and Fees)

Updated with improved welcome offer, new perks, and increased annual fee. card_name is the ultra-premium AmEx business card with a very long list of perks and statement credits. You also get a broad airline lounge access program and an improved welcome offer. I’ve tried to keep it brief, but there is a lot to cover:

• Elevated Welcome Offer: Earn 200,000 Membership Rewards(R) points after you spend $20,000 in eligible purchases on the Business Platinum Card(R) within the first 3 months of Card Membership.
• Unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• NEW: Up to $600 Hotel Credit. Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts(R) or The Hotel Collection bookings through American Express Travel using the Business Platinum Card(R). The Hotel Collection requires a minimum two-night stay.
• Up to $200 Hilton Statement Credit. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card® Account. Enrollment required.
• NEW: Up to $150 Dell credit. Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• NEW: Up to $250 Adobe credit. Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Up to $360 Indeed credit ($90 per quarter). Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Up to $120 Wireless telephone credit ($10 per month). Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• 5X Membership Rewards(R) points on flights and prepaid hotels booked on AmexTravel.com.
• 2X Membership Rewards(R) points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 1X points on other eligible purchases.
• 35% Airline Bonus. You can receive 35% Membership Rewards® points back after you use the Pay With Points feature for all or part of a flight booked with American Express Travel if the flight is either First or Business class or on your selected qualifying airline, up to 1,000,000 bonus points back per calendar year.
• Fee Credit for Global Entry or TSA PreCheck®. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Business Platinum Card®. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• CLEAR(R) Plus Credit: Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR(R) Plus Membership (subject to auto-renewal).
• $895 annual fee.
• See Rates and Fees

Note the following language: “Welcome bonus offer not available to applicants who have or have had this product.” You can only get the welcome offer on the Platinum Business AmEx once time per lifetime, so it is best to apply during an improved offer (and also the time when perks have been added but before the annual fee increase).

American Express Global Lounge Collection. The American Express Global Lounge Collection(R) can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.

• The Centurion® Lounges
• Delta Sky Club(R) Access when flying an eligible Delta flight
• Escape Lounges
• Priority Pass(TM) Select Lounges. Enrollment required.
• Lufthansa Lounges, when flying Lufthansa Group
• Plaza Premium Lounges

35% Airline Bonus details. Let’s say your selected airline is Delta, and you want to buy a couple economy Delta tickets for $1,000 using their Pay with Points features. This means that $1,000 ticket booked through AmEx Travel will only cost you 65,000 Membership Rewards points net (100,000 points and then 35,000 point rebated back). This improves the 1 cent per point value to 1.54 cents per point value. This means that 120,000 Membership Rewards points can be worth $1,848 in airfare on your selected airline.

Transfer partners. You can transfer Membership Rewards points to 16 airline and 3 hotel partners including Delta, British Airways, Hawaiian, JetBlue, Air Canada, Hilton, Starwood Preferred Guest, and Choice Hotels. If you’re good at snagging award tickets, you can get even better value this way.

Bottom line. card_name is the ultra-premium AmEx business card that includes a HUGE list of perks. Add them up for your own situation and see how it compares with the annual fee. Keep in mind that the annual fee can also count as a business expense.

The net first-year value of this card is easily over $1,000, as it is definitely one of the Top 10 Best Business Card Offers.

(See Rates and Fees)

New limited-time offers. Delta Airlines American Express cards offer various special perks like free checked bags, priority boarding, and the ability to earn Delta SkyMiles with card purchases. As you can only get the welcome offers once on each of these cards per person per lifetime (each card is considered different), I recommend waiting until a limited-time offer to maximize your benefit. I personally think the Gold card versions are the sweet spot for many casual travelers. Here are the current offers:

card_name

• Limited-time offer: 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• $200 Delta flight credit. Get a $200 credit to use toward future Delta travel after $10,000 in purchases on your card within a calendar year.
• $100 Delta Stays Credit. Get up to $100 back annually as a statement credit after using your Delta SkyMiles(R) Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• First checked bag free (worth $70 roundtrip, per person) on Delta flights. This perk is worth up to $280 per round trip for a family of four ($35 each way, per person).
• 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
• Zone 5 Priority Boarding.
• 2X miles at Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1 miles per dollar spent on all other eligible purchases.
• Simplified Pay with Miles option. Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• 20% back on eligible Delta in-flight purchases with this card in the form of a statement credit .
• No Foreign Transaction Fees.
• $0 introductory Annual Fee for the first year, then $150.
• See Rates and Fees

80,000 Skymiles is worth at least $800 in Delta airfare. Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. For example, that means 50,000 Skymiles can reduce the price of your Delta ticket(s) by $500 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

card_name

• Limited-time offer: 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• $2,500 Medallion(R) Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles(R) Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
• $150 Delta Stays Credit. Get up to $150 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
• $120 Resy Credit. Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles(R) Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Enrollment required.
• $120 Rideshare Credit. Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers using your Delta SkyMiles(R) Platinum American Express Card. Enrollment is required.
• 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
• Up to $120 Global Entry Fee Credit. You can get either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck(R) (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles(R) Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Companion Certificate benefit. Enjoy a Companion Certificate on a Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• First checked bag free (worth $70 roundtrip, per person) on Delta flights. This perk is worth up to $280 per round trip for a family of four ($35 each way, per person).
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• 3X Miles on Delta purchases and purchases made directly with hotels.
• 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees.
• $350 annual fee. (See Rates and Fees)
• Terms Apply.

The Platinum version can be a worthy upgrade from the Gold version if you can take advantage of the annual Companion Certificate (i.e. book two tickets together on Delta at least once a year). I’ve used it several times in the past and it is easy to use while booking tickets online at Delta.com. My savings from using the Companion Certificate for Delta Main has exceeded $500.

card_name

• Limited-time offer: 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• $2,500 Medallion(R) Qualification Dollars (new) with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles(R) Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Delta Sky Club® access details. Delta SkyMiles(R) Reserve American Express Card Members receive 15 Visits per Medallion(R) Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
• Get four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
• Centurion Lounge access. Enjoy complimentary access to The Centurion(R) Lounge when you book a Delta flight with your Reserve Card.
• $200 Delta Stays Credit. Get up to $200 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
• $240 Resy Credit. When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit. Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers using your Delta SkyMiles(R) Platinum American Express Card. Enrollment is required.
• 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
• Up to $120 Global Entry Fee Credit. You can get either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck(R) (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles(R) Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Companion Certificate benefit (valid on Delta First). Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• First checked bag free on Delta flights. This perk is worth up to $280 per round trip for a family of four ($35 each way, per person).
• With your Delta SkyMiles(R) Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
• 3X Miles on Delta purchases.
• 1X Miles on all other eligible purchases.
• $650 annual fee. (See Rates and Fees)
• Terms Apply.

The Reserve version can be a worthy upgrade for frequent Delta fliers. Enjoy Delta Sky Club and/or Centurion Lounge access on your Delta flights, that Companion Certificate that works on Delta First can be worth thousands, etc.

BUSINESS Card Versions

card_name

• Limited-time offer: 90,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• $200 Delta flight credit. Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
• $150 Delta Stays Credit. Get up to $150 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
• 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
• First checked bag free on Delta flights. This perk is worth up to $280 per round trip for a family of four ($35 each way, per person).
• Zone 5 Priority Boarding.
• 2X miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of eligible purchases per category, per year. 2X miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants worldwide. 1 mile on every eligible dollar spent on other purchases.
• $0 annual fee for the first year, then $150. (See Rates and Fees)
• Terms Apply.

card_name

• Limited-time offer: 100,000 Bonus Miles after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• $2,500 Medallion(R) Qualification Dollars (new) each Medallion Qualification Year. Also earn $1 Medallion(R) Qualification Dollar for each $20 of purchases in a calendar year.
• $200 Delta Stays Credit (new). Get up to $200 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
• $120 Resy Credit (new). Up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card. Enrollment required.
• $120 Rideshare Credit (new). Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
• 15% off discount on Award Travel booked through delta.com and the Fly Delta app. Applies to Delta flights only, not applicable to partner-operated flights or taxes and fees.
• Up to $120 Global Entry Fee Credit. You can get either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck(R) (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles(R) Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Companion Certificate benefit. Enjoy a Companion Certificate on a Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• First checked bag free on Delta flights. This perk is worth up to $280 per round trip for a family of four ($35 each way, per person).
• Zone 5 Priority Boarding.
• Not a Medallion Member? Cardmembers with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $350 annual fee (increased). (See Rates and Fees)
• Terms and limitations apply.

card_name

• Limited-time offer: 125,000 Bonus Miles after you spend $15,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
• $2,500 Medallion(R) Qualification Dollars (new) each Medallion Qualification Year. Also earn $1 Medallion(R) Qualification Dollar for each $10 of purchases in a calendar year.
• Delta Sky Club(R) access. Delta SkyMiles(R) Reserve Members receive 15 Visits each Medallion(R) Year to the Delta Sky Club(R) and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Centurion Lounge or Escape Lounge access. When you purchase a Delta flight with your Delta SkyMiles(R) Reserve Business Card, you will receive complimentary access to The Centurion(R) Lounge or Escape Lounge.
• $250 Delta Stays Credit (new). Get up to $250 back annually on eligible prepaid hotels or vacation rentals through Delta Stays on delta.com.
• $240 Resy Credit (new). Up to $20 per month in statement credits on eligible Resy dining purchases using your enrolled Card. Enrollment required.
• $120 Rideshare Credit (new). Up to $10 back in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
• 15% off discount on Award Travel on Delta flights booked through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Up to $120 Global Entry Fee Credit. You can get either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck(R) (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles(R) Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Companion Certificate benefit (valid on Delta First). Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• First checked bag free on Delta flights. This perk is worth up to $280 per round trip for a family of four ($35 each way, per person).
• Enjoy 3X miles per dollar on eligible Delta purchases.
• Zone 5 Priority Boarding.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• $650 annual fee (increased). (See Rates and Fees)
• Terms and limitations apply.

Again, Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 100,000 Skymiles can reduce the price of your Delta ticket by $1,000 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

In my opinion, the Delta Gold is still the best for most casual Delta customers because of the high potential upfront value in the first year (bonus miles + $200 flight credit). Even after the first year, the $100 increase in flight credit ($100 to $200) more than offsets the $51 increase in annual fee ($99 to $150) as long as you spend $10,000 in purchases during the year. That’s on top of the other perks like free checked bags.

During a limited-time offer, I will add these to my list of the Top 10 Best Credit Card Bonus Offers.

Delta SkyMiles® Gold American Express Card: See Rates and Fees

Delta SkyMiles® Platinum American Express Card: See Rates and Fees

Delta SkyMiles® Reserve American Express Card: See Rates and Fees

Delta SkyMiles® Gold Business American Express Card: See Rates and Fees

Delta SkyMiles® Platinum Business American Express Card: See Rates and Fees

Delta SkyMiles® Reserve Business American Express Card: See Rates and Fees

Updated with improved $120 Disney Streaming Credit (now up to $10 per month with no minimum or bundle required). The card_name is one of my longtime keeper cards even with an annual fee. The headline feature is 6% cash back at US stand-alone supermarkets on up to $6,000 per year in eligible purchases (then 1%), but I also use it for 6% cash back on all my streaming subscriptions. If you spend $100 a week at supermarkets, that alone will earn you over $300 a year in rewards. The welcome offer is also currently very generous. The highlights:

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• 0% Intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be reg_apr,reg_apr_type.
• 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1% after that).
• 6% cash back on select U.S. streaming subscriptions.
• 3% cash back at eligible U.S. gas stations.
• 3% cash back on eligible transit including taxis/rideshare, parking, tolls, trains, buses and more.
• 1% cash back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
• $120 Disney Streaming Credit. Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred(R) Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• $0 intro annual fee for the first year, then $95.
• See Rates and Fees

Max out your benefit by buying gift cards at US supermarkets. I use this card to buy gift cards at eligible supermarkets to use up the annual limit and get 6% back. My local Safeway has an entire wall of options, but I usually go with Amazon, Apple, or Starbucks (gifts). You can easily confirm that your purchase still gets 6% cash back on your account online:

Supermarkets details. “US stand-alone supermarkets” means that superstores, convenience stores and warehouse clubs are not considered supermarkets. This means no Super Wal-Mart, no Super Target, no Costco. Examples of merchants that do count (and this is not a complete list!) are (source):

ALDI
FreshDirect
Gelson’s
Hy-Vee
Kings Food Markets
Meijer
ShopRite
Smart & Final
Stop & Shop
Trader Joe’s
Vons
Whole Foods
Winn-Dixie

Gasoline details. “US stand-alone gas stations” means that superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations. This means no Target, no Costco, no Sam’s Club. Examples of merchants that count (again not a complete list!) are Exxon, Mobil, Hess, Shell, Gulf, Murphy USA, Murphy Express.

US Streaming Subscriptions details. These are all included at 6% cash back:

Amazon Music Unlimited
AMC+
Apple Music
Apple TV+
Audible
Britbox
DirecTV Stream (formerly known as AT&T TV or AT&T TV NOW)
Discovery+
Disney+
ESPN+
Fubo TV
HBO Max
Hulu
iHeartRadio
Kindle Unlimited
Luminary
MGM+
MLB.TV
NBA League Pass
Netflix
Pandora
Paramount+
Peacock
Prime Video
Sling TV
SiriusXM Streaming and Satellite
Spotify
Starz
TIDAL Music
YouTube Music Premium
YouTube Premium
YouTube TV

Disney Streaming credit details (worth up to $120 a year). Now, with the enhanced $120 Disney Streaming Credit, you can earn up to $10 back per month as a statement credit when you use your enrolled Blue Cash Preferred® Card to purchase a subscription, or bundle subscription, on DisneyPlus.com, Hulu.com, or Plus.espn.com U.S. websites, now with no minimum purchase requirement. Subscription is subject to auto-renewal.

If you already have this card, you can enroll in this offer here.

Annual fee. There is a $0 intro annual fee for the first year, then $95, but with the improved Disney Streaming credit that works with no minimums from Disney Plus, Hulu, and ESPN+, that can already more than completely offsets any future annual fee on its own. We already pay for Disney+ with no ads, so we already max out the $120 in annual credits.

The 6% cash back category can also quickly help this card earn its keep. The max cap of $6,000 annually works out to a steady averaged rate of $500 a month, which at 6% back would net you $360 cash back in a year vs. $60 at 1% cash back. Heck, simply hitting the $100 mark in a single trip at the supermarket is far too easy these days.

Alternatively, the card_name offers 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%) and other perks but with no annual fee. Terms apply. (See Rates and Fees)

Cash back is officially given in the form of Reward Dollars that can be redeemed as a statement credit, gift cards, and merchandise. You can also use it to offset your Amazon.com purchases at checkout. I usually just stick with statements credit to directly pay down my monthly bill.

Bottom line. The card_name has the key feature of 6% cash back at US supermarkets (on up to $6,000 per year). You can now also get 6% cash back on Netflix/Spotify/HBO Now as well as 3% cash back at US gas stations and transit (Uber/Lyft/train). This has been a “keeper” card for me for many years now. I treat it like one of my 5% cash back cards, except there are no rotating categories or activations to worry about. They also just improved their Disney Streaming credit to be worth up to $10/month ($120 annually), which I also utilize.

Rates and Fees for Blue Cash Preferred® Card from American Express :Rates and Fees for Blue Cash Preferred® Card from American Express

Rates and Fees for Blue Cash Everyday® Card from American Express: Rates and Fees for Blue Cash Everyday® Card from American Express

New limited-time offer, at all-time high values. The card_name is the re-branded business credit card of the Marriott Bonvoy program. This card offers unique perks for Marriott customers, along with a generous new customer incentive. Here are the highlights:

• Limited-time offer: Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
• New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
• Room rate discount: 7% discount on eligible Marriott Bonvoy hotel bookings as a benefit of being both a Marriott Bonvoy(R) member & a Marriott Bonvoy Business(R) American Express(R) Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
• 6X points at hotels participating in the Marriott Bonvoy(R) program.
• 4X points at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2X points on all other eligible purchases.
• Receive a Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60k in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees.
• Complimentary Marriott Bonvoy Gold Elite Status with this card.
• Elite Night Credits: Receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status, each calendar year.
• Annual fee is $125.
• See Rates and Fees

Keep in mind the following terms and conditions:

Welcome offer not available to applicants who (i) have or have had the Marriott Bonvoy™ Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business™ Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Plus Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase.

This is more specific than before, note the different 30-day, 90-day, and 24-month waiting periods that may now include consumer cards. American Express usually gives you a pop-up warning during the application process if you are ineligible based on their records. This is why you should be looking to get the best possible bonus (like a limited-time offer) when you do apply.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

NEW: Certificates can be combined with up to 15,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. In other words, if your certificate is worth 35,000 points, the maximum hotel value you can redeem for is 50,000 points after adding 15,000 points of your own. if your certificate is worth 50,000 points, the maximum hotel value you can redeem for is 65,000 points after adding 15,000 points of your own.

You can use the Marriott free night search tool to price out some sample hotels for yourself. Also, here are details on the Free Night Award Top Off option.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. That means 50,000 Bonvoy points = estimated $350 redeemable value, and 100,000 Bonvoy points = estimated $700 redeemable hotel night value. However, I almost always get closer to 1 cent per point value when I actually choose to redeem. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points.

What can I book with 65,000 points? Based on a few quick searches (log in and try to book with points), the following premium hotels can potentially be booked for 65,000 points or less. (* Marriott no longer publishes a fixed point award chart):

• The Westin Hapuna Beach Resort, Big Island, Hawaii
• The Royal Hawaiian in Waikiki, Oahu, Hawaii
• The Ritz-Carlton, Bali
• Le Meridien Maldives Resort & Spa
• JW Marriott Venice Resort & Spa
• Renaissance Orlando at SeaWorld®
• Walt Disney World Swan Reserve
• The Ritz-Carlton Orlando, Grande Lakes

35k Free Night Award (Anniversary). At your card anniversary, you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 or even $125 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that may qualify under the 35,000 point limit (* Marriott no longer publishes a fixed point award chart):

• Sheraton Kona Resort (Big Island, Hawaii)
• Courtyard Waikiki Beach (Honolulu, Oahu)
• Sheraton Kauai Resort (Kauai, Hawaii)
• W Atlanta
• New York Marriott at the Brooklyn Bridge
• Chicago Marriott Downtown Magnificent Mile
• W Chicago
• The Ritz-Carlton, Beijing, China
• The S. Regis Bangkok, Thailand

You can expand this even further if you use the top-off option and look for hotels at up to 50,000 Bonvoy points.

Bottom line. The card_name is the co-branded business card between Marriott hotels and American Express. You also get a Free Night Award at card anniversary, which can be worth much more than the annual fee. Check out the current welcome offer, which can be redeemed for multiple free nights at hotels around the world.

Also see: Top 10 Best Small Business Card Bonus Offers.

(See Rates and Fees)