Gold Delta SkyMiles® Business Credit Card from American Express

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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:
17.74% - 26.74% 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 more premium 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.


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

The annual fee, though, 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 (See Rates & Fees) 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.

Who should get this card

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.

  • 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.

The information about the Platinum Delta SkyMiles Credit Card from American Express has been collected independently by The card details have not been reviewed or approved by the card issuer.