American Express
Delta SkyMiles® Gold Business Card
Key Features
| Annual Fee | $150.00 |
| Sign-up Bonus | 60,000 Bonus Miles |
| Rewards Rate | 1x-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. |
| Network | American Express |
About this card
The Delta SkyMiles® Gold Business Card is a decent option for small business owners who are Delta loyalists, earning an overall rating of 3.3. The card's strengths are its Delta-centric benefits like free checked bags and priority boarding, coupled with no foreign transaction fees and discounts on award travel. These perks can offset the annual fee for frequent Delta travelers. However, the card has weaknesses. The APR is relatively high, and the rewards structure is limited, with only 2x miles on Delta and select U.S. purchases and 1x miles on everything else. This makes it less appealing for general business spending. The $150 Delta Stays credit and potential $200 Delta flight credit offer value but require specific spending. The $150 annual fee after the first year is a consideration. Overall, it's a good choice for a specific niche, but its limited rewards and Delta focus prevent a higher rating. The initial absence of a sign-up bonus negatively impacts its appeal, although a bonus is now offered.
Pros & Cons
What's great
- Generous sign-up bonus
- Rewards on Delta purchases
- First year annual fee waived
- No foreign transaction fees
- Discounts on award travel
- Statement credits for Delta stays
Things to consider
- Annual fee
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.
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
- $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.
- $200 Delta Flight Credit You can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Take 15% Off Award Travel Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees. See details below.
- 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.
- 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.
- 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
American Express can be accepted at 99% of places in the US that accept credit cards. Based on the Feb 2024 Nilson Report.