Choice Privileges® Select Mastercard® vs Delta SkyMiles® Platinum Business
Side-by-side comparison
| Choice Privileges® Select Mastercard® | Delta SkyMiles® Platinum Business | |
|---|---|---|
| Annual fee | $95 | $195 |
| Welcome offer | 60,000 points | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 5% | 1% |
| Travel | 1% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $594 | $546 |
| Points type | Locked to Choice Privileges | Locked to Delta SkyMiles |
| Network | Mastercard | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Choice Privileges® Select Mastercard® earns about $594 a year in rewards and the Delta SkyMiles® Platinum Business about $546, valuing every point at a flat 1 cent. The Choice Privileges® Select Mastercard® charges $95, which you clear through its rewards and perks. The Delta SkyMiles® Platinum Business charges $195, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Choice Privileges® Select Mastercard® delivers more total value, about $148 a year more for a typical spender, mostly because it earns more where you spend most, on phone & internet. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Delta SkyMiles® Platinum Business currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Choice Privileges® Select Mastercard® if your spending leans toward phone & internet. Pick the Delta SkyMiles® Platinum Business if your spending leans toward travel.