Gold Delta SkyMiles® Business Credit Card from American Express review

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Annual Fee:
$0 intro annual fee, then $95
Purchase Intro APR:
Regular APR:
17.24% - 26.24% Variable
Terms and Restrictions Apply | Rates and Fees

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Gold Delta SkyMiles® Business Credit Card from American Express: Details and benefits

Through its partnership with Delta, American Express offers this travel rewards card at a reasonably low cost. The Gold Delta SkyMiles Business card charges a $95 annual fee (waived the first year), so if you’re on the fence, you can try the card for a year before paying.

The annual fee is negligible if you’re already a frequent Delta flyer and can take full advantage of the card’s benefits. The complimentary first checked bag benefit will make up the $95 annual fee after just two round-trip Delta flights per year. The benefit is also extended to up to eight additional passengers traveling on the cardholder’s reservation, so your savings could be substantial depending on how many employees travel with bags and how often.

The big value with this card is earning rewards through Delta at a rate of 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 welcome bonus is 30,000 bonus miles after you spend $1,000 on the card in purchases in your first three months. You can also earn a $50 statement credit after you make a purchase directly with Delta in the first 3 months.

Unlike other business credit cards, this one does not tailor rewards toward business expenses unrelated to travel. If you don’t travel much for business, 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 (See Rates & Fees), so your employees’ expenses can help earn you miles.


  • $95 annual fee waived your first year
  • Earn a $50 statement credit after making a Delta purchase within your first 3 months
  • First checked bag free (and up to 8 additional passengers traveling on the same reservation)
  • 30,000-mile welcome bonus when you spend $1,000 within your first 3 months
  • No foreign transaction fees (see rates and fees) or blackout dates on Delta flights
  • Cardholders get complimentary Main Cabin 1 Priority Boarding


  • The point structure is average, with cardholders earning just 1X miles on all purchases except through Delta, which garners 2X miles
  • There are no elite travel perks, like complimentary Sky Club access or free upgrades
  • Terms apply

Is the Gold Delta SkyMiles Business card worth it for you?

People who spend less than $25,000 on their card per year and don’t need all the luxury perks when traveling are good contenders for this card. Low-maintenance travelers loyal to Delta who take advantage of the in-flight discounts could get substantial value, especially during the first year while 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 business-related spending outside of Delta.

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

Get the most value from the Gold Delta SkyMiles Business card

Through January 29, 2020, 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.

You can also 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.

Other perks include rental loss and damage insurance and a baggage insurance plan for eligible lost, damaged or stolen luggage. For your more office-centric business needs, you can connect your card to your QuickBooks account after enrollment and utilize Vendor Pay by after enrolling your card.

How much are the Gold Delta SkyMiles Business card rewards worth?

If you spend $650 a month on Delta purchases (such as flights purchased directly with Delta) and $200 a month on everything else, you’ll have earned around 18,000 miles. When you include the 30,000-point bonus you’ll get after spending $1,000 within your first three months, you’ll have earned 48,000 miles by the end of your first year.

How to redeem rewards

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

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