Compare the Features and Benefits of Citi Prestige and
Delta SkyMiles® Gold Business American Express Card

Although it has a hefty $495 annual fee, power users can find good rewards.

Citi Prestige Benefits

• Get the 4th night free on hotel bookings of 4 or more consecutive nights made through the Citi travel center – capped at 2x per calendar. Note that all bookings must be made online and will not qualify for most hotel loyalty program’s elite benefits or points earning. The Citi portal is now powered by Booking.com
• You will also get a $250 travel credit every calendar year (super easy to use and automatically applied against all travel charges) and Priority Pass airport lounge access, with full access to Priority Pass Experiences like airport dining.
• Cell phone protection: The Citi Prestige offers up to $1,000 per claim with up to 2 claims per year. Max is $1,500 in a 12-month period with a $50 deductible per claim.

Because of the high annual fee, if you won’t take advantage of the 4th night free benefit, the Citi Premier card is likely a better card for you if your goal is to earn Citi ThankYou points.

This card is no longer available to new applicants. There is not currently a replacement but one is rumored. 

Delta flyers who own a business have several options to choose from when looking for a new business credit card. To maximize your business expenses and earn SkyMiles at the same time, the Delta SkyMiles Gold Business Card is an affordable option with an annual fee of $150.

Besides earning the splashy welcome bonus, there are many ways to rack up SkyMiles through each eligible dollar spent. You’ll earn 2x bonus miles on Delta purchases and at restaurants plus on U.S shipping and select U.S. media purchases, as well as 1x miles on other purchases. The shipping and select media categories have a limit of $50,000 per year each.

The TakeOff 15 benefit is reserved for Delta’s cardholders, allowing you to score a 15% discount on the cost of Delta award flights. This discount is applied automatically on your Delta account whenever you conduct online flight searches, as long as your Delta Business Amex card is linked. This perk can help you save more of your SkyMiles for future travel. Furthermore, if your business spends more than $10,000 per year on the card, you can easily earn a $200 Delta flight credit every card membership year.

If you travel often and have to check a bag, you can enjoy a checked bag waiver, saving you $30 per flight. This perk applies to up to eight additional travelers on your Delta flight, which can add up greatly throughout the year and compensate for the ongoing $150 annual fee. Other essential travel benefits include no foreign transaction fee, baggage insurance plan, and secondary car rental collision damage waiver insurance, which will surely be of use for many business travelers.

Plus, receive an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. Terms apply.

In short, the Delta SkyMiles Gold Business Card offers a solid foundation of benefits when flying with the carrier. If you’re looking for greater perks, such as lounge access before departing or upon arrival, you may want to consider other Delta business cards that carry higher annual fees but come with additional benefits.

Otherwise, this entry-level business card is the right choice to earn bonus miles on select business categories and earn Delta benefits.

Rates and Fees for the Delta SkyMiles® Gold Business American Express Card