Delta SkyMiles® Platinum Business American Express Card

• Safe to Apply: Amex is usually the safest bank for trying your luck at earning a new welcome offer. Most of the time, they won’t issue a hard pull when denying your application or when approving you if you already have at least one Amex card. Plus, they’ll warn you during the application process if you’re not eligible for the bonus.
• Once in a Lifetime Rule: If you've ever had a card before, you are most likely prohibited from earning a welcome offer for that same card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 5-7 years. Note that there are frequently offers with no lifetime language (NLL) that aren't bound by this restriction.
• "Family" Rules: In addition to the "once in a lifetime" rule, Amex now applies additional "family" rules to several groups of consumer cards. These rules don't apply to business cards.
  • Platinum/Gold/Green: You may not be able to get a welcome offer on the Green, Gold, Platinum, Charles Schwab Platinum or Morgan Stanley Platinum if you've previously had any of the Platinum cards previously.
    • You also may not be able to get a welcome offer on the Green or Gold cards if you've had the Gold card previously.
  • Cash back cards: You may not be able to get a welcome offer on the Blue Cash Everyday card if you've previously had the Cash Magnet, Blue Cash Preferred or Morgan Stanley Blue Cash Preferred cards. You're not eligible for a welcome offer on the Blue Cash Preferred card if you've previously had the Morgan Stanley Blue Cash Preferred card.
  • Delta cards: You can get a welcome offer on any of the Delta cards provided you've never had a more expensive Delta card than the one you are applying for. So, for example, you're eligible for a welcome offer on the Delta Reserve if you've had the Delta Gold, but you may not be eligible for a welcome offer on the Delta Gold if you've previously had the Reserve.
• 1 per 5 days: You can get at most one credit cards within every 5 days. This rule does not apply to Pay Over Time (charge) cards.
• 2 per 90 days: You can get at most two credit cards within 90 days. This rule usually does not apply to Pay Over Time (charge) cards.
• 1 of same product per 90 days: Amex will only approve you for the same card once every 90 days; this primarily comes into play when applying for "no-lifetime-language" (NLL) links.
  • It seems that Amex considers the Marriott Bevy and Brilliant cards as the same product, which means that you would have to wait 90 days after applying for the Bevy before being able to be approved for the Brilliant.
• Marriott cards: Approval for any Marriott card is governed by a labyrinthine set of unintuitive rules. You can see the full eligibility chart here.
• Card Limits: Amex normally only allows customers to have five credit cards and ten Pay Over Time (charge) cards at one time. Both personal and business cards count towards the respective five and ten card limits. There are some instances where certain customers have been allowed to go above those limits.
• Application Status: Call (877) 239-3491 to check your application status or use this link.
• Reconsideration: If denied, you can call (800) 567-1083 and ask for your application to be reconsidered.

Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.

• Pay Bills
• Pay Federal Taxes
• Loan money with Kiva
• Buy and sell merchandise

• Economy class companion certificate (subject to taxes & fees) each year upon card renewal. This is valid for round-trip flights originating within the United States, Puerto Rico or the U.S. Virgin Islands (USVI)  and flying to the following destinations: the United States, Puerto Rico, USVI, Mexico, Antigua, Aruba, Bermuda, Bonaire, Grand Cayman, Cuba, Jamaica, Bahamas, Turks and Caicos, Dominican Republic, Saint Kitts, St. Maarten, St. Lucia, Costa Rica, Belize, Guatemala, Panama, Honduras, and El Salvador.
• First checked bag free: First checked bag free for the primary cardholder plus up to 8 additional passengers traveling on the same reservation
• 15% off award bookings: Cardholders get 15% off the mileage price of an award ticket when the entire itinerary is on Delta or Delta Connection.
• $120 Rideshare Credit: Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with Uber, Lyft, Curb, Revel, or Alto.
• $200 Hotel Rebate: Get up to $200 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays
• $120 Dining Rebate: Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants
• Global Entry or TSA Application fee credit: One statement credit every 4 years for the $120 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee
• Hertz Five Star Status: Register at delta.com/mypromos/eligible, and "Enroll in Promotion" at delta.com/hertz
• Priority boarding
• 20% Back on In-Flight Purchases

• Complimentary Upgrade List: Card Members without Delta Medallion elite status will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• $2,500 MQD Headstart: Cardmembers automatically get $2,500 MQDs (Medallion Qualifying Dollars) towards elite status each year.
• Earn MQDs with spend: Earn 1 MQD (Medallion Qualifying Dollar) for every $20 spent on the card. Note that this is very poor compared to the Delta Reserve card which earns 1 MQD per $10.

• Trip Delay Insurance: Coverage kicks in after a 12 hour delay. Details here.
• Baggage Insurance: Up to $500 per person for checked luggage, and up to $1,250 per person for carry-ons. Must pay transportation in full with your card to be covered. Details here.
• Car Rental Loss and Damage Insurance: Secondary car rental insurance. Must pay for rental in-full with card. Details here.

• Extended warranty: Up to 1 extra year.
• Purchase protection: Covers damage, loss, or theft up to 90 days after purchase. Details here.
• Cell Phone Protection
  • Coverage includes phones that are stolen or damaged.
  • Cracked screens are covered.
  • Max $800 per claim or $1,600 per 12 month period.
  • A $50 deductible applies to each claim.
  • “You must charge your monthly Eligible Cellular Wireless Telephone bill to your Eligible Card Account.”  (interestingly, the terms do not say that you must pay in full each month, but maybe that’s implied?)
  • Policy details can be found here.