American Express
Delta SkyMiles® Gold Business Card
Key Features
| Annual Fee | $150.00 |
| Network | American Express |
About this card
The Delta SkyMiles® Gold Business Card is a solid option for business owners who are Delta loyalists, meriting an overall rating of 3.4. The card's strengths lie in its Delta-centric benefits, such as the first checked bag free, priority boarding, and discounts on award travel, which can easily offset the annual fee for frequent Delta flyers. The absence of foreign transaction fees is also a plus. However, the card's weaknesses include a limited rewards structure, with only 2x miles on Delta purchases and select U.S. advertising and shipping purchases, and 1x miles on everything else. This makes it less appealing for everyday business spending. While the $150 Delta Stays credit and $200 Delta flight credit offer additional value, they require specific spending and usage. The annual fee of $150 after the first year is a consideration, although the card's benefits can offset it for frequent Delta travelers. Overall, the card is a good choice for a specific niche, but its limited rewards and Delta-centric focus prevent it from achieving a higher rating.
Pros & Cons
What's great
- Generous rewards rate on Delta purchases
- No foreign transaction fees
- First year annual fee waived
- Additional travel perks
- Discounts on award travel
Things to consider
- Annual fee after the first year
- Limited rewards categories
What this card offers
Rewards
- 2X MILES At Delta Per every eligible dollar spent on purchases made directly with Delta.
- 2X MILES On Eligible U.S. Purchases at U.S. shipping providers & at U.S. providers for advertising in select media. Miles caps apply.
- 1X MILES On Other Purchases Made using the Delta SkyMiles® Gold Business Card.
Other features
- Take 15% Off Award Travel Save 15% anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- First Checked Bag Free As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a group of four that’s a potential savings of up to $280 per round-trip flight.
- Zone 5 Priority Boarding Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
- $200 Delta Flight Credit Get a head-start on your next trip, compliments of your Card. Earn a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- $150 Delta Stays Credit Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- 20% Back On In-Flight Purchases Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees Use your Delta SkyMiles® Gold Business American Express Card globally without incurring foreign transaction fees.
- Baggage Insurance Plan Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
- Car Rental Loss and Damage Insurance When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
- Pay with Miles Want even more flexibility? 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
Additional Notes
Know if you're approved with no personal credit score impact American Express can be accepted at 99% of places in the US that accept credit cards.3 3Based on the Feb 2024 Nilson Report.