Is the Delta SkyMiles Platinum Business (Amex) worth it in 2026?
Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.
Assumes you use every recurring credit and value points at 1.4¢. Adjust for your spend in the calculator →
The year-one math
- Welcome bonus95,000 pts × 1.4¢
- +$1,330
- Recurring credits (if fully used)
- +$600
- Annual fee
- −$350
- Year-one value
- +$1,580
- Ongoing (year 2+, no bonus)credits − fee
- +$250
Recurring credits
- Domestic Companion Certificate (anniversary)$400/yr
- Delta Flight Credit ($200 after $10k spend)$200/yr
Apply for the Delta SkyMiles Platinum Business (Amex)
The application happens on Delta's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.
FAQ
Is the Delta SkyMiles Platinum Business (Amex) worth it in 2026?
Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 1.4¢ — adjust both in the calculator for your own situation.
Should I cancel my Delta SkyMiles Platinum Business (Amex)?
Probably not on the numbers alone — the recurring credits ($600/yr) already cover the $350 fee, so it pays for itself in year 2+ if you use them.
How is "worth it" calculated?
Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.