Gold Delta SkyMiles Business Credit Card from American Express

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You'll earn a good sign-up bonus, but modest ongoing rewards.

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The Gold Delta SkyMiles Business Credit Card from American Express is the entry level card in the SkyMiles lineup. At $95 per year – with the first year’s fee waived, it’s quite a bit cheaper than its luxury-oriented counterparts, the Platinum Delta and the Delta Reserve.

As a travel card, it’s fairly modest in its rewards. Cardholders will get 2x points for Delta purchases and 1x points on everything else.


The American Express and Delta partnership offers this basic travel rewards card at a reasonably low cost. New members get the $95 annual fee waived the first year, so it might be worthwhile to try out the Gold Delta Skymiles Business Credit Card while it’s free to use.

If you check bags on Delta four times per year, then you will make up the $95 annual fee. The complimentary first checked bag benefit is extended to everyone on the cardholder’s reservation. The savings could be substantial depending on how many people are traveling with bags and how often.

The big value here is earning rewards through Delta, which gets you 2 miles per dollar. Purchases are not limited to airfare; you can also earn the 2x miles when you buy Sky Club memberships and day passes, Delta vacation packages, in-flight items and seat upgrades.

The sign-up bonus is 30,000 bonus miles after you spend $1,000 on the card in purchases in your first three months. You’ll earn an additional $50 statement credit after you make a Delta purchase with your new card within your first three months.

Unlike other business credit cards, this one does not tailor rewards toward business expenses outside of travel. If you or your company doesn’t travel much, there’s not much this card can offer you.

One key difference between the consumer and business versions of this card, however, is that you can easily add employee cards at no additional fee. Your employees’ expenses can help earn you miles.

Who should get this card

People who spend less than $25,000 on their card per year and don’t expect all the luxury perks when traveling are good contenders for this card. Low-maintenance travelers who take advantage of the in-flight discounts and are loyal to Delta, could get substantial value, especially during the first year when you get the bonus miles and the annual fee is waived.

As a long-term card, there’s not a lot of flexibility in earning and redeeming points, so that could be a deal-breaker for people who want to maximize their earnings on spending outside of Delta.

If you spend big on your credit card, then it’s worth looking into more robust rewards cards, like the Platinum Delta SkyMiles Business Credit Card or the Delta Reserve. Both of those cards offer a few elite travel perks, like companion certificates and even more bonus miles for higher spending. The Delta Reserve also comes with complimentary Sky Club access.

  • The first year comes with a nice bundle of sign-up bonuses including the waived annual fee and a nice sign-up bonus.
  • The first checked bag, for everyone on the cardholder's reservation, is free.
  • Cardholders get complimentary priority boarding.
  • There’s a $95 annual fee after the first year.
  • The point structure is average, with cardholders earning just 1x points on all purchases except through Delta, which garners 2x points.
  • There are no elite travel perks, like Sky Club access or free upgrades.
  • Terms apply.

Fees and APR

  • There is a penalty APR applied if you make two or more late payments in a 12-month period; don’t pay the minimum payment due by the closing date of the billing period; or a payment is returned.
  • The $95 annual fee is waived the first year, but will be applied to your account after that.
  • You won’t have to pay a foreign transaction fee if you use this card outside of the U.S.
  • See Rates & Fees.

Extras, perks and using points

Cardholders and up to two guests traveling on a Delta flight will pay a reduced rate of $29 per person for Delta Sky Club access.

Get on your flight sooner and, on a full flight, reduce the risk of having to check your carry-on baggage, with complimentary priority boarding.

Redeem your SkyMiles on the SkyMiles Marketplace for a wide variety of goods and services, including flights, rental cars and hotels.

How this card compares


SimplyCash® Plus Business Credit Card from American Express
  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
Credit Needed


Regular APR


Annual Fee


Purchase Intro APR

0% on Purchases for 9 months

Balance Transfers Intro APR


In just about every respect — from rewards to the annual fee — SimplyCash Plus Business Credit Card from American Express stands tall among the elite business cards on the market.

The only reasons to shy away from this card would be if your work requires significant overseas travel or if your biggest expenses don’t match up with the bigger cash-back savings categories.

Ink Business Cash℠ Credit Card
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
  • 1% cash back on all other card purchases with no limit to the amount you can earn.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our business category page.

Credit Needed


Regular APR

0% fixed Intro APR for the first 12 billing cycles that your Account is open. After that, 14.24% to 20.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate..

Annual Fee

No Annual Fee.

Balance Transfers Intro APR

0% fixed Intro APR for the first 12 billing cycles that your Account is open. After that, 14.24% to 20.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

If you’re just starting out and you aren’t sure what your spending patterns will be, the Ink Business Cash Credit Card is like a small rectangular mentor. The no-fee card will reward you for spending in the areas you’ll most likely need to get your business off the ground and gives you a full year break on interest for purchases and balance transfers. Who couldn’t use a little breathing room when launching a new venture?


Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.