Gold Delta SkyMiles® Business Credit Card from American Express

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Natalie Campisi @NatalieMCampisi  in  Business Advertising Disclosure
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Recommended Credit Score

Excellent Credit (740 - 850)

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Annual Fee:
$0 intro annual fee, then $95
Purchase Intro APR:
Regular APR:
17.99% - 26.99% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

Commonly used for: Airline, Auto Rental Insurance, Business, EMV, Excellent Credit, Extended Warranty Program, Free Checked Baggage, Lost Luggage Reimbursement, Mobile Pay Ready, No Foreign Transaction Fees, Presale Tickets, Priority Boarding, Purchase Protection, Rewards, Roadside Assistance, Travel, Travel Accident Insurance, Unsecured credit card, Zero Fraud Liability.

The Gold Delta SkyMiles Business Credit Card from American Express is a mid-tier card in the SkyMiles lineup. At $95 per year – with the first year’s fee waived (See Rates & Fees), it’s quite a bit cheaper than its luxury-oriented counterparts, the Platinum Delta SkyMiles® Business Credit Card from American Express and the Delta Reserve for Business Credit Card.

As a travel card, it’s fairly modest in its rewards. Cardholders will get 2x miles for direct Delta purchases and 1x miles 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 two round-trip Delta flights per year, then you will make up the $95 annual fee (See Rates & Fees). The complimentary first checked bag benefit is extended to up to eight additional passengers traveling 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 welcome bonus is 30,000 bonus miles after you spend $1,000 on the card in purchases in your first three months. Also, earn an additional $50 statement credit after you make a Delta purchase with your new card within your first 3 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. (See Rates & Fees) 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 Credit Card or the Delta Reserve Credit Card from American Express. 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 perks including the waived annual fee (then $95) and a nice welcome bonus.
  • The first checked bag, for everyone on the cardholder's reservation, is free (up to 9 total).
  • 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 miles on all purchases except through Delta, which garners 2x miles.
  • 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.
  • Terms and limitations apply.
  • 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.

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