Card comparison
Which card is better between Delta SkyMiles Platinum American Express and Lowe's Business Rewards?
Delta SkyMiles Platinum American Express is the better overall pick over Lowe's Business Rewards because it leads on Madeen's weighted scorecard (67 vs 33) across categories, bonus, benefits, and fee.
Effective rate Delta SkyMiles Platinum American Express
Annual fee Lowe's Business Rewards
Welcome bonus Delta SkyMiles Platinum American Express
Benefits value Delta SkyMiles Platinum American Express
Delta SkyMiles Platinum American Express is the stronger overall pick between Delta SkyMiles Platinum American Express and Lowe's Business Rewards because it leads on Madeen's weighted scorecard (67 vs 33) across categories, bonus, benefits, and fee. Delta SkyMiles Platinum American Express (3.6% top effective rate) vs Lowe's Business Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose Delta SkyMiles Platinum American Express when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Lowe's Business Rewards when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do Delta SkyMiles Platinum American Express and Lowe's Business Rewards compare across all spend categories?
Across all five spend categories, Delta SkyMiles Platinum American Express and Lowe's Business Rewards trade wins row by row. Delta SkyMiles Platinum American Express peaks at 3.6% effective; Lowe's Business Rewards peaks at 2%. Delta SkyMiles Platinum American Express wins the headline effective-rate view in this pair.
| Category / metric | Delta SkyMiles Platinum American Express | Lowe's Business Rewards | Winner |
|---|---|---|---|
| Dining | 2x miles (2.4%) | 2% back (2%) | Delta SkyMiles Platinum American Express · 0.4 pts |
| Grocery | 2x miles (2.4%) | 1% back (1%) | Delta SkyMiles Platinum American Express · 1.4 pts |
| Gas | 1x miles (1.2%) | 1% back (1%) | Delta SkyMiles Platinum American Express · 0.2 pts |
| Travel | 3x miles (3.6%) | 1% back (1%) | Delta SkyMiles Platinum American Express · 2.6 pts |
| Other | 1x miles (1.2%) | 1% back (1%) | Delta SkyMiles Platinum American Express · 0.2 pts |
| Welcome bonus | ~$1080 estimated | — | Delta SkyMiles Platinum American Express |
| Est. annual benefits | $25945/yr | $20065/yr | Delta SkyMiles Platinum American Express |
| Annual fee | $350 | $0 | Lowe's Business Rewards |
| Holistic overall | 67 pts (cat 31, bonus 20, benefits 14, fee 2) | 33 pts (cat 9, bonus 0, benefits 11, fee 13) | Delta SkyMiles Platinum American Express |
Madeen take
How to think about this pair
Delta SkyMiles Platinum American Express (3.6% top effective rate) vs Lowe's Business Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use Delta SkyMiles Platinum American Express when Best for spenders who put meaningful volume in travel and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use Lowe's Business Rewards when Best for spenders who put meaningful volume in dining and can earn 2% back.. Delta SkyMiles Platinum American Express is weaker when Compare.
Hold both?
Many American Express users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, Delta SkyMiles Platinum American Express leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: Delta SkyMiles Platinum American Express or Lowe's Business Rewards?
Madeen estimates $25945 annual benefit value on Delta SkyMiles Platinum American Express versus $20065 on Lowe's Business Rewards. Credits only matter if you will use them.
Delta SkyMiles Platinum American Express
Total est. value: $25,945/yr
Credits and perks only help if you will actually use them in a typical year.
- Extended Warranty $10,000/yr
- Purchase Protection $10,000/yr
- MQD Headstart and MQD Boost $2,500/yr
- Baggage Insurance Plan $2,000/yr
- Trip Delay Insurance $500/yr
Lowe's Business Rewards
Total est. value: $20,065/yr
Credits and perks only help if you will actually use them in a typical year.
- Extended Warranty $10,000/yr
- Purchase Protection $10,000/yr
- Car Rental Loss and Damage Insurance $40/yr
- Global Assist® Hotline $25/yr
- 5% cash back in the first 6 months
Welcome bonus
Which welcome bonus is stronger for Delta SkyMiles Platinum American Express or Lowe's Business Rewards?
If you are chasing a welcome bonus, Delta SkyMiles Platinum American Express leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. Delta SkyMiles Platinum American Express lists 90k Delta SkyMiles; Lowe's Business Rewards lists.
Delta SkyMiles Platinum American Express
90k Delta SkyMiles
Lowe's Business Rewards
—
Caps & conditions
Caps and earn limits
Both Delta SkyMiles Platinum American Express and Lowe's Business Rewards carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
Delta SkyMiles Platinum American Express
- Earn 2X miles at restaurants
- Earn 2X miles at U.S. supermarkets
- Earn 3X miles on purchases made directly with hotels
Lowe's Business Rewards
- 2% cash back at U.S. restaurants
Who should pick which
Scenario playbook
Cashback-first user
Pick Lowe's Business Rewards
Lowe's Business Rewards is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Delta SkyMiles Platinum American Express
Delta SkyMiles Platinum American Express is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Lowe's Business Rewards
Lowe's Business Rewards is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Delta SkyMiles Platinum American Express
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Delta SkyMiles Platinum American Express
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick Delta SkyMiles Platinum American Express
If you are chasing a welcome bonus, Delta SkyMiles Platinum American Express leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Lowe's Business Rewards
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between Delta SkyMiles Platinum American Express and Lowe's Business Rewards?
Delta SkyMiles Platinum American Express is the better overall pick because it leads on Madeen's weighted scorecard (67 vs 33) across categories, bonus, benefits, and fee. Delta SkyMiles Platinum American Express (3.6% top effective rate) vs Lowe's Business Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick Delta SkyMiles Platinum American Express over Lowe's Business Rewards?
Choose Delta SkyMiles Platinum American Express if Best for spenders who put meaningful volume in travel and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for travel-heavy spend when the $350 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is travel at about 3.6% effective (3x miles).
- That travel rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $350 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
When should you pick Lowe's Business Rewards over Delta SkyMiles Platinum American Express?
Choose Lowe's Business Rewards if Best for spenders who put meaningful volume in dining and can earn 2% back.. Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Strengths
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
Tradeoffs
- Charges $2.70 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Common questions about Delta SkyMiles Platinum American Express vs Lowe's Business Rewards
Which card is better between Delta SkyMiles Platinum American Express and Lowe's Business Rewards?
Delta SkyMiles Platinum American Express is the stronger overall fit because it leads on Madeen's weighted scorecard (67 vs 33) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: Delta SkyMiles Platinum American Express or Lowe's Business Rewards?
Delta SkyMiles Platinum American Express leads dining at 2.4% effective versus 2%.
Which card is better for cashback users: Delta SkyMiles Platinum American Express or Lowe's Business Rewards?
Lowe's Business Rewards is the better cashback-style pick between Delta SkyMiles Platinum American Express and Lowe's Business Rewards.
Which welcome bonus is stronger between Delta SkyMiles Platinum American Express and Lowe's Business Rewards?
If you are chasing a welcome bonus, Delta SkyMiles Platinum American Express leads on catalog bonus value. For long-term category earn after the bonus, Lowe's Business Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: Delta SkyMiles Platinum American Express or Lowe's Business Rewards?
Delta SkyMiles Platinum American Express leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: Delta SkyMiles Platinum American Express or Lowe's Business Rewards?
Lowe's Business Rewards has the simpler fee story in this pair ($350 vs $0). Annual fee only wins if you use the rewards and credits that justify it.
Is Delta SkyMiles Platinum American Express or Lowe's Business Rewards better for travel spend?
Delta SkyMiles Platinum American Express is the stronger travel-style pick between Delta SkyMiles Platinum American Express and Lowe's Business Rewards in this snapshot.
Can you hold both American Express cards?
Yes, many people can hold both American Express cards when each covers a different spend lane and the combined fees still make sense.
Compare
Related comparisons
Merchants
Store guides featuring these cards
Delta SkyMiles Platinum American Express
Related topics
Explore the related pages
Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Standard
American Express and American Express (and related product names) are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, or endorsed by either issuer. Madeen is an independent credit-card comparison and education service.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure