Delta SkyMiles Gold Business American Express card vs. American Express® Business Gold Card
If you’re thinking of stepping up a tier, the American Express Business Gold Card can deliver the best of both worlds — more valuable, versatile rewards and luxury travel perks. Of course, this upgrade does come at a premium, as the annual fee on the Amex Business Gold is $295. Anyone who is more a fan of affordability over luxury may want to stick with something like the Delta SkyMiles Gold Business Amex.
The added versatility in the Amex Business Gold is that it’s not tied to any particular airline, so you can earn and use your rewards with any travel partner, unlike the Delta SkyMiles Gold Business Amex. With the Amex Business Gold Card, you earn 4X points on the top two categories where your business spends the most, on up to $150,000 in combined purchases each year (then 1x thereafer) — and it’s tracked automatically. Each billing cycle, Amex calculates the top two out of six eligible bonus categories to determine which purchases will earn the 4X points. Fortunately, you still earn 1X points on all other purchases outside of the bonus categories. This rewards structure can potentially net you more value if you plan strategic transfers, making it easier to offset the card’s higher annual fee.
Business owners who already know they don’t spend a ton on anything other than Delta Airlines flights when booking airfare will find a better bang for their buck overall with the Delta SkyMiles Gold Business Amex. However, if you’re craving a bit more flexibility and higher rewards-earning rates and you’re willing to shell out more money for more perks, the Amex Business Gold could be worth a look.
Delta SkyMiles Gold Business American Express card vs. Ink Business Preferred® credit card
The Ink Business Preferred Credit Card earns at a better rate than the Delta SkyMiles Gold Business card when it comes to travel. Cardholders will get 3X points on general travel and other eligible purchases (on up to $150,000 in combined purchases per year), which you can redeem for an extra 25 percent value toward Chase travel. Chase’s Ultimate Rewards program is one of the most valuable rewards programs around. So, if you don’t have any particular brand loyalty, this card is one to consider.
The annual fee on the card is $95, just $4 cheaper than that on the Delta SkyMiles Gold Business Amex. However, Amex waives your annual fee on the Delta SkyMiles Gold Business for the first year, which can offset the cost difference for several years.
The Delta SkyMiles Gold Business has a much more accessible welcome offer. You might want to consider welcome offer spending requirements as benchmarks to help decide which card is right for you. If your business expenses aren’t as high as the spending requirement to earn the Ink Business Preferred card’s welcome offer, then it might not be the right card for your business. However, you’ll also want to consider things like the card’s rewards rates, boosted categories and the value of its rewards.
If booking directly with Delta Airlines is most ideal and you want to stick with the SkyMiles rewards program, the Delta SkyMiles Gold Business Amex may be your final choice. But if flexibility and more perks is what you’re after and you can hit the high spending requirements to maximize the best you can get with the Ink Business Preferred, give it a closer look.
Best cards to pair with the Delta Gold Business
Besides coupling the Delta Platinum Business card with the Gold Business card for the extra 3X miles on Delta and hotel purchases, you might be better off with one of American Express’ business cards.
Since Membership Rewards points are more valuable (2.0 cents each, according to Bankrate’s valuations), a low-fee card like the Business Green Rewards Card from American Express may be a better option if you want the option to redeem not only with Delta (miles transfer at a 1:1 ratio) but also with other travel partners, potentially at a higher value than you’d get redeeming with Delta.
The Blue Business® Plus Credit Card from American Express or another flat-rate rewards card could be another great option to chip in more rewards on everyday purchases.