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Delta SkyMiles Gold Business American Express Card review

The Delta SkyMiles Gold Business Amex has solid benefits. But is it the right business card for you?

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The offer mentioned below for the for the United℠ Business Card is no longer available.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

The Delta SkyMiles® Gold Business American Express Card is a small business card, giving business owners the ability to earn Delta SkyMiles for their purchases. The rewards earned can be redeemed for flights on Delta Airlines and its partners, in addition to vacations and gift cards to various retailers. And as cardholders spend, they will have the ability to use several card benefits, including checked bag fee waiver and priority boarding when flying Delta.

Below, Select breaks down the rewards, benefits and fees associated with the Delta SkyMiles Gold Business American Express Card to help you decide if it's the right card for your needs.

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Delta SkyMiles Gold Business American Express Card review

Delta SkyMiles® Gold Business American Express Card

On the American Express secure site
  • Rewards

    Earn 2X miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants, 2X miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. Earn 1X mile on every eligible dollar spent on other purchases.

  • Welcome bonus

    Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership

  • Annual fee

    $0 introductory annual fee for the first year, then $150

  • Intro APR

    None

  • Regular APR

    20.99% - 29.99% variable

  • Balance transfer fee

    N/A

  • Foreign transaction fees

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Welcome bonus

With the Delta SkyMiles® Gold Business American Express Card, you can earn a 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. 

Even at a modest value of one cent per point, this gives cardholders up to $550 in value. However, you should be able to find redemptions where you can earn more than one cent per point.

Benefits and perks

The Delta SkyMiles® Gold Business American Express Card comes with several great benefits you can take advantage of.

Earning miles for spending

When you spend on the card, you will earn:

  • 2X Delta SkyMiles per dollar spent on eligible purchases directly with Delta and on every eligible dollar spent at restaurants.
  • 2X Delta SkyMiles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • 1X Delta SkyMiles per dollar spent on all other eligible purchases

Other benefits

The card includes a number of other benefits that are beneficial for those flying Delta, including:

  • Main cabin 1 priority boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card
  • $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year
  • Save 15% when booking 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.
  • $0 foreign transaction fee (see rates and fees)
  • Baggage insurance*
  • Rental car insurance*
  • Integration with Quickbooks® for simple accounting

How to earn and redeem Delta SkyMiles

Earning Delta SkyMiles

You can earn Delta SkyMiles in several ways, but largely, consumers will find themselves building their mileage balance in two ways: flying with the airline or spending on a cobranded credit card.

As you fly and spend, you will earn miles that can immediately be redeemed. And what's more is that you don't need a ton of miles to fly for free with Delta, as some flights start as low as 5,000 miles.

And you can even have multiple Delta cards to earn several welcome bonuses to jumpstart your balances. The other Delta cards available are:

Personal

Business

Redeeming Delta SkyMiles

Once you earn enough miles to redeem for a flight, you will have a long list of redemption options, including: complimentary flights (less taxes and fees), Delta gift cards, seat upgrades, Delta vacation packages, magazine subscriptions or a SkyMiles in-person experience.

Additionally, you'll have access to booking flights with Delta's partners, including airlines in the SkyTeam alliance. So if you're searching for flights internationally on Delta's website, you may find flights for one of the following airlines: Aeroflot, Aerolineas Argentinas, AeroMexico, Air Europa, Air France, China Airlines, China Eastern, Czech Airlines, Garuda Indonesia, ITA Airways, Kenya Airways, KLM, Korean Air, LATAM, MEA, Saudia, TAROM, Vietnam Airlines, Virgin Atlantic, Virgin Australia and Xiamen Air.

Rates and fees

The card has an introductory annual fee of $0 for the first year, then $150. It has a $0 foreign transaction fee.

Late payment fees can be up to $39.

See rates and fees.

Card comparison

The Delta SkyMiles® Gold Business American Express Card can provide great value for business owners, but is it the best travel-rewards card for you and your business?

Select analyzed two other premium travel credit cards to see how they match up with the Delta Gold Business Amex.

Delta SkyMiles Gold Business American Express Card vs. United℠ Business Card

The United℠ Business Card is similar to the Delta Gold Business Amex, except it gives small business owners the ability to earn United miles.

The United Business Card comes with a great welcome offer of 75,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open. Plus, there is a $0 introductory annual fee for the first year, then $99.

Each card offers very similar benefits, including free checked bags and flight credits, so if you're deciding between the two cards, you should decide which card is better for you based on where you fly out of and what airline you prefer. For example, if you live in Atlanta, the Delta card may be more beneficial for you. Whereas if you live in Denver or Los Angeles, both United hubs, the United card might be a better option.

Delta SkyMiles Gold Business American Express Card vs. The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is a large step-up from the Delta Gold Business Amex in terms of benefits, features, welcome offer and annual fee. The card comes with a long list of perks including spending credits for travel, *comprehensive travel insurance, automatic hotel loyalty status and more.

However, the card comes with a steep annual fee of $695 (see rates and fees). Additionally, it has a large welcome bonus with a hefty spending requirement. You can earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first three months of card membership. And the Membership Rewards points earned can be transferred directly to Delta at a 1:1 ratio. The Business Platinum card also gives you access to Delta SkyClub lounges when flying Delta.

These two cards are very different, making them difficult to compare side-to-side. If you fly with Delta regularly, but want luxury benefits and flexibility to fly with other airlines, and can budget for the steep annual fee — the Business Platinum card from Amex may be worth considering. But if you simply want to earn Delta SkyMiles and avoid paying checked bag fees, the Delta Gold Business Amex is a more suitable fit.

Who the Delta SkyMiles Gold Business American Express Card is best for

The Delta SkyMiles Gold Business Amex is a solid option for small business owners wanting to earn airline miles for their day-to-day purchases and enjoy basic, but useful, travel benefits when flying Delta. The card comes with concise spending categories so cardholders can know quickly how many miles they will earn with each purchase. Additionally, this card is great for people who travel internationally as the card has a $0 foreign transaction fee.

However, keep in mind that this card is designed for people who enjoy 'no-frills' travel that doesn't include airport lounge access or the possibility for seat upgrades. If you're looking for those types of features, you may want to look at one of the other personal or business Delta credit cards mentioned above.

Bottom line

The Delta SkyMiles Gold Business Amex is one of the many cobranded Delta cards giving consumers and business owners the chance to earn Delta SkyMiles for their purchases. In the case of the Delta Gold Business Amex, this cards caters to small business owners wanting to earn miles, save on checked bag fees and have priority boarding.

However, even though there is a $0 intro annual fee for the first year, it's important to always ensure you're spending responsibly. Because it's never a good idea to spend more for the sake of earning rewards, and maintaining a sturdy budget for your business is more important than earning airline miles.

Catch up on Select's in-depth coverage of personal financetech and toolswellness and more, and follow us on FacebookInstagram and Twitter to stay up to date.

For rates and fees of Delta SkyMiles Platinum Business American Express Card, click here.

For rates and fees of The Business Platinum Card® from American Express, click here.

For rates and fees of the Delta SkyMiles® Blue American Express Card, click here

For rates and fees of the Delta SkyMiles® Gold American Express Card, click here

For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here

For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here

For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click here

*Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Eligibility and Benefit level varies. Travel insurance Coverage is provided by New Hampshire Insurance company, an AIG Company. Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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