Gold Delta SkyMiles Business Credit Card from American Express
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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 50,000 bonus miles after you spend $2,000 on the card in purchases in your first three months. You’ll earn an additional 10,000 bonus miles after spend another $1,000 with your new card within your first six months. That offer expires Nov. 8, 2017.
You also will get a $50 credit when you make your first purchase within three months of card membership. In total, you can earn several hundred dollars for just signing up, depending on where you travel.
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.
Fees and APR
- The variable APR ranges from 16.24% to 20.24%, based on your creditworthiness.
- There is a variable 29.99% 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
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.
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.