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  1. Credit Cards
  2. Delta SkyMiles® Gold Business American Express Card
American Express

Delta SkyMiles® Gold Business American Express Card

This card is built for small business owners who fly Delta a few times a year and want airline-specific perks without stepping up to a much higher annual fee. It works best as a Delta loyalty card, not a primary everyday business card, with most of its value coming from checked bags, boarding perks, and travel credits rather than broad rewards earning.

Welcome Offer
Welcome Offer: Earn 60,000 Bonus Miles
Annual Fee
$0 introductory annual fee for the first year, then $150
Rec. Credit Score
Good
Good For
Delta business travelers
How to ApplyEstimate your value

Terms Apply. For rates and fees of Delta SkyMiles® Gold Business American Express Card, please visit the American Express website.

Delta SkyMiles® Gold Business American Express Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Delta SkyMiles® Gold Business American Express Card worth it?

This card is great for...

Checked bag savings on Delta

Delta award flight bookings

Shipping and ad spend

Yes, if your business already books Delta with some regularity and you will use the airline perks. Free checked bags, Zone 5 boarding, the 15% discount on Delta-operated award flights, and the Delta Stays credit can go a long way toward justifying the $150 annual fee after the first year. The card also makes sense for business owners with meaningful spend at Delta, restaurants, U.S. shipping providers, or select U.S. advertising providers.

It is less compelling if you want one business card for all spending. The rewards rate on non-bonus purchases is modest, and several of the card's strongest benefits only matter if you actually fly Delta. If your business is not loyal to Delta, or you prefer flexible points or higher flat-rate cash back, this is probably a side card for airline perks rather than your main wallet card.

MaxRewards

MaxRewards Verdict

A solid fit for business owners who regularly fly Delta and can make real use of the bag benefits, award discount, and travel credits. For general business spending, the earning structure is too narrow to carry the whole load.

Welcome Offer

Welcome Offer: Earn 60,000 Bonus Miles

after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Est. Value

$720

Required Spend

$4,000

Time Frame

6 Months

Est. Value

$720

Required Spend

$4,000

Time Frame

6 Months

Earning

Rewards

The rewards setup here is straightforward: you earn Delta SkyMiles, with extra miles in a few business-friendly categories and on Delta purchases. In practice, this card makes the most sense when your spending naturally lines up with Delta flights, restaurant purchases, shipping, or select advertising, while other purchases are better served by a stronger everyday card.

CategoryRate

Purchases (Delta), Restaurants

2.4%

U.S. Shipping Providers, U.S. Providers for Advertising in Select Media

Up to $50,000 spend per year

2.4%

Other Purchases

1.2%

Rewards percent based on a valuation of 1.2¢ per Delta Skymile

Annual Credits & Perks

Benefits

The real story with this card is the travel value tied to flying Delta. The most useful benefits are the ones that can save money on actual trips, especially checked bags, award flight discounts, and the annual Delta Stays credit, while the rest of the protections and travel perks add backup value.

BenefitAnnual value
$250
$200
$150
$120

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Delta SkyMiles® Gold Business American Express Card$200 Delta Flight Credit
Autotracked
$0 of $200Every 12 months

Benefits

Credits

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 the Delta SkyMiles Gold Business Card.

Benefits

Insurance

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.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.


Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.


Premium Car Rental Protection

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage.

Benefits

Status & Access

Zone 5 Priority Boarding

Delta SkyMiles Gold Business Card Members receive Zone 5 Priority Boarding on Delta flights.


Amex Special Ticket Access

Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Benefits

Other

TakeOff 15

Delta SkyMiles Gold Business Card Members take 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.


First Checked Bag Free

Delta SkyMiles Gold Business Card Members can check their first bag for free and save up to $90 per person on a round-trip Delta flight. For a team of four that’s a potential savings of up to $360 per round-trip flight.


Second Checked Bag Free

Delta SkyMiles Gold Business Basic Card Members can check their second bag for free on domestic Delta flights, saving up to an additional $110 on a round-trip Delta flight.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$150

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$5

Late Payment

$39

For rates and fees of Delta SkyMiles® Gold Business American Express Card, please visit the American Express website.

Table of Contents

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

How to Apply

Terms Apply. For rates and fees of Delta SkyMiles® Gold Business American Express Card, please visit the American Express website.

For rates and fees of Delta SkyMiles® Gold Business American Express Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.