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Delta SkyMiles® Gold Business Card
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American Express

Delta SkyMiles® Gold Business Card

BusinessTravelAirlineDiningIntro OfferNo Foreign Transaction Fees

Key Features

Annual Fee$150.00
Sign-up Bonus90,000 Bonus Miles
Rewards Rate1x-2x Miles
Regular APR
APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening.
NetworkAmerican Express
Read the full review
Best for those with
Good Credit

About this card

The Delta SkyMiles® Gold Business Card earns an 'Excellent' overall rating of 4.0, making it a highly compelling choice for small business owners who are loyal Delta flyers and manage their balances responsibly. This card excels in its core purpose, delivering immense value through its rewards program and a robust suite of travel and business-centric benefits. Its strengths are substantial: an outstanding limited-time sign-up bonus of 90,000 Bonus Miles provides significant initial value. The rewards structure is strong for its niche, offering 2X miles on Delta purchases, U.S. shipping and advertising providers, and restaurants. The fee structure is also very favorable, with a $0 introductory annual fee for the first year and no foreign transaction fees. The ongoing $150 annual fee is easily offset, and often surpassed, by valuable statement credits, including up to $120 for rideshare, up to $150 for Delta Stays, and a potential $200 Delta Flight Credit after meeting spending thresholds. Additional Delta perks like free first and second checked bags, Zone 5 Priority Boarding, and 15% off Award Travel further amplify its value proposition, creating a powerful ecosystem for frequent Delta travelers. The card also benefits from American Express's strong reputation for customer service and comprehensive purchase/travel protections. The primary weakness, and a significant one, is the high variable APR, ranging from 19.49% to 28.49%, coupled with the complete absence of an introductory APR period. This makes the card a poor choice for businesses that anticipate carrying a balance, as interest charges would quickly erode any earned rewards or benefits. However, for a rewards-focused business travel card, the expectation is generally that users will pay their statement balance in full each month, thus mitigating the impact of the high APR. In summary, for its target audience of Delta-loyal small business owners who prioritize travel perks and rewards and pay their balances on time, this card offers an exceptionally strong value proposition, earning its 'Excellent' rating despite the notable drawback of a high APR.

4.0
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • No foreign transaction fees
  • Extensive Delta airline travel benefits (e.g., free bags, priority boarding, flight credits)
  • Statement credits for travel and everyday business expenses (e.g., rideshare, Delta Stays)
  • Robust business expense management and reporting tools
  • Comprehensive purchase and travel protections

Things to consider

  • Annual fee applies after the first year
  • No introductory APR period
  • Potentially high regular APR
  • Rewards are specific to Delta travel and select business categories
  • No airport lounge access

What this card offers

Sign-up bonuses

  • Limited Time Offer | Expires in 2 Days
  • Earn, previously 60,000, now 90,000 Bonus Miles
  • after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Expires 7/15/26.

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.
  • 2X MILES At Restaurants When you use your Delta SkyMiles® Gold Business Card.
  • 1X MILES On Other Purchases Made using the Delta SkyMiles® Gold Business Card.
  • 2X miles per dollar spent on purchases at U.S. providers for Advertising in select media on up to $50,000 of eligible purchases per year
  • 2X miles per dollar spent on purchases at U.S. Shipping providers on up to $50,000 of eligible purchases per year

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.
  • Check Two Bags Free Your first checked bag flies free on international and domestic Delta flights. And now, your second bag flies free on domestic Delta flights too.
  • 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 After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • 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.
  • Purchases can be made by the Basic Card Member and any Additional Card Members on the account.
  • The Credit will be issued by email within 6-8 weeks after meeting the Purchase Requirement as a Delta eCredit with a certificate number and redemption code. The eCredit will also be available in the Card Member’s Delta Wallet when they log into their SkyMiles account on delta.com.
  • The Delta eCredit can be applied to purchases of Delta-marketed flights made on delta.com or with Delta Reservations.
  • $120 Rideshare Credit After your first Card renewal, enroll and earn up to $10 in statement credits each month when using your Delta SkyMiles® Gold Business American Express Card on U.S. rideshare purchases with select providers.
  • $150 Delta Stays Credit Delta SkyMiles® Gold Business Card Members can earn up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com.
  • Get up to $150 back per year as a statement credit 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.
  • Pay with Miles 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
  • Global Assist Hotline Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
  • Employee Cards: Earn miles. Set boundaries. Stay up to date. Think of Employee Cards as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits you set. You'll earn miles on their purchases, and receive real-time alerts to help you know who's spending and where.
  • Connect to QuickBooks Connect to QuickBooks can help you manage your employee Business Card expenses easily. Employees' Business Card transactions and receipts they match to their transactions will also be automatically sent to your Intuit QuickBooks every day, so you can manage their expenses right from your QuickBooks.
  • Account Manager Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Delta SkyMiles® Gold Business Cards, so you're free to focus on other priorities.
  • Year-End Summary Organizing your finances can be a time-consuming task. That's why we provide a Year-End Summary of charges as one of the many features of managing your account online. You can analyze your annual expenses in pie or bar charts by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel. With your charges itemized in one place, the Online Year-End Summary is a great tool you can rely on to help prepare for your taxes and manage your spending. Learn more at americanexpress.com/yes.
  • Online Statements View your purchase history, prepare reports, and budget your expenses.
  • American Express App Track spending and rewards, find an airport lounge, make a payment, and get important account alerts in real time with the American Express App.
  • Vendor Pay by BILL Get started with Vendor Pay by BILL by enrolling your eligible American Express Business, Corporate, or Corporate Purchasing Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for the first six months. After six months, the second user will be charged $15 per month. The Advanced plan is $59 per user per month, and the Advanced Plus plan is $99 per user per month. Additional fees may apply based on plan type, payment methods selected, accounting system integrations, and the number of users.
  • Extended Warranty When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.
  • Purchase Protection When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
  • Dispute Resolution If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.
  • 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.

Additional Notes

The Delta SkyMiles® Gold Business Card does not offer airport lounge access.

Ratings

4.5
4.3
4.5
1.8
4.2
Delta SkyMiles® Gold Business Card Review | Creditminds