Gold Delta SkyMiles® Business Credit Card from American Express

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You'll earn a good introductory bonus, but modest ongoing rewards.

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 miles for Delta purchases and 1x mile 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 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. 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 and a nice welcome 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 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.

How this card compares

SimplyCash® Plus Business Credit Card from American Express
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
Credit Needed

Excellent Credit

Regular APR

14.49% - 21.49% Variable

Annual Fee


Purchase Intro APR

0% on purchases for 15 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
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 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 airline category page.

Credit Needed


Regular APR

0% fixed Intro APR for the first 12 months that your Account is open. After that, 15.24% to 21.24%, 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 months that your Account is open. After that, 25.24% to 21.24%, 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?

Capital One® Spark® Miles Select for Business
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
Credit Needed

Excellent, Good

Regular APR

15.24% - 23.24% (Variable)

Annual Fee


Purchase Intro APR

0% on purchases for 9 months

Balance Transfers Intro APR


Business owners who want a hassle-free card with a generous and unlimited rewards structure just for travel may find that the Capital One Spark Miles Select for Business card fits the bill. The miles can only be redeemed for travel, so this is not a good choice if you’re looking for flexible redemption options.



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.