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Delta SkyMiles® Gold Business American Express Card

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(3.9) Rating
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Delta SkyMiles® Gold Business American Express Card

Delta's Business Gold card packs a punch for frequent Delta travelers including a free first checked bag on Delta flights, Zone 5 Priority Boarding, and no foreign transaction fees.

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(3.9) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Delta SkyMiles® Gold Business American Express Card

Delta's Business Gold card packs a punch for frequent Delta travelers including a free first checked bag on Delta flights, Zone 5 Priority Boarding, and no foreign transaction fees.

BONUS OFFER

Earn 75,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17. Terms apply.

💵 Your Projected Rewards Value
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Key facts

Whether it’s the first free checked bag on Delta flights or the $200 annual Delta flight credit once you spend $10,000 or more on the card, there are many ways for business travelers to make the most of this card.

Annual Fee:

$150 $0 Introductory Annual Fee for the first year, then $150 (Rates and fees)

AVG Point Value:

$0.012 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

20.99%-29.99% Variable

Foreign Transaction Fee:

0%

You’ll also earn 2x miles per eligible dollar spent on a multitude of bonus categories tailored for businesses, such as Delta purchases, restaurant purchases, U.S. shipping purchases, and U.S. select media and advertising purchases. (Terms and limits apply.)

Reward multipliers

You’ll earn 2x bonus miles on eligible Delta purchases and at restaurants, plus with U.S. shipping providers, and on U.S. advertising purchases in select media, as well as 1x miles on all other eligible purchases.

businessman, boxes, transport

Earns bonus points for spend in the following bonus categories:

U.S. providers only

2x
Shipping

Estimated Rewards Value: 2.4%

U.S. providers only

2x
Advertising (Online / TV / Radio)

Estimated Rewards Value: 2.4%

Multiplier only applies to flights booked on Delta, otherwise earn 1X

2x
Airfare

Estimated Rewards Value: 2.4%

2x
Dining Out / Food Delivery

Estimated Rewards Value: 2.4%

1x
Everything Else

Estimated Rewards Value: 1.2%

Key features

1

Unique Card Benefits

Earn an Annual $200 Delta Flight Credit

By spending $10,000 or more on the card every year, you can earn a $200 flight credit that can be used for any future travel on Delta Air Lines.

Save 15% on SkyMiles Flight Redemptions with TakeOff15

You can save 15% off award prices when redeeming your SkyMiles for Delta-operated flights on Delta’s website or app.

20% Back on In-Flight Purchases

Receive 20% back as a statement credit when you use your card to pay for inflight food, drinks and additional services.

2

Free Checked Bags

Get your first checked bag free on Delta flights for a savings of $30 per one-way flight. This fee waiver for the first checked bag applies to you and up to eight travelers on the same reservation.

3

Priority Boarding

You and up to eight passengers on the same Delta flight can enjoy Zone 5 Priority boarding, giving you faster access to your seats and overhead bins.

Priority boarding with the Delta Business Gold Card

4

Annual Statement Credits

Get 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.

5

Secondary Car Rental CDW Waiver

When renting a car for business purposes and paying with your Gold Business Card, you can receive secondary (to any primary insurance you have) CDW/LDW coverage that can reimburse you up to $50,000 in case of theft or damage. Liability coverage is not included.

Terms:

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

6

Extended Warranty

You can receive up to an additional year of coverage thanks to this extended warranty benefit, for items you purchased on the card that come with an original manufacturer’s warranty of five years or less.

Terms:

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

7

Purchase Protection

You’ll receive up to 90 days of protection against theft or damage on your eligible items purchased with your Business Gold card.

Terms:

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

8

Trip Protections

Baggage Insurance Plan

If your bags are lost, damaged or stolen when traveling on a ticket that you purchased with the card, you can receive coverage to reimburse you up to a certain limit.

Terms:

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Note: This card does not include other trip protections like Trip Delay or Cancellation.

9

Travel and Emergency Assistance Services

When you’re traveling 100+ miles away from home, you can contact Global Assist Hotline at any time if you run into any emergency situations or need additional referrals to services.

Terms:

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Card Members are responsible for the costs charged by third-party service providers.

10

Does Not Report Credit Line to Personal Credit Profile

While there will of course be an initial hard inquiry on your personal credit when applying for a business card, it won’t report the card nor your utilization to your personal credit file as long as you remain in good standing.

11

No Fees for Authorized Users

If you’d like to add additional cards for your employees, there’s no additional charge.

12

Amex Offers

Visit your online American Express account or app to add 100 discounts to local, national and worldwide merchants.

13

Free Access to Credit Score

Available when you opt-in to their free “MyCredit Guide.” Find this on the Amex website under My Account >> Free Credit Tools and Support.

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Delta SkyMiles® Gold Business American Express Card
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Pros & cons

  • First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding
  • Enjoy a 20% discount for onboard purchases
  • Opportunity to earn a future $200 Delta flight credit by spending $10,000+ on the card every year
  • $150 ongoing annual fee after the first year
  • No Delta Sky Club membership or access
  • Unlike the Platinum and Reserve card versions, you cannot earn an MQD waiver or earn MQMs from qualifying spend.

Delta SkyMiles® Gold Business American Express Card

Learn How To Apply Rates and fees

Our review

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. The annual fee is waived during the introductory year of card membership and is a reasonable $150 after that.

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.

shipping-delta-skymiles-gold-business-american-express-card

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 $100 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 $99 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

Frequently asked questions

1

Does Delta SkyMiles® Gold Business American Express Card have an annual fee?

There’s no annual fee for the first year of card membership, then it charges a $150 annual fee after that.

2

Does Delta SkyMiles® Gold Business American Express Card get you into airport lounges?

No, the Delta Gold Business card does not offer Sky Club membership or access. You’ll need to look to the Delta SkyMiles® Platinum Business American Express Card or the Delta SkyMiles® Reserve American Express Card if you’re interested in lounge access.

3

Is it hard to get the Delta SkyMiles® Gold Business American Express Card?

The Delta SkyMiles® Gold Business American Express Card is a solid option for those whether you have a small business or side hustle, although you’ll need a good to excellent credit score to qualify.

4

Is it worth getting Delta SkyMiles® Gold Business American Express Card?

If you’re looking for an affordable business card with a good range of perks when flying Delta, the Delta SkyMiles Gold Business card is a great choice.

5

How do I earn miles with the Delta SkyMiles® Gold Business American Express Card?

You’ll earn 2x miles on eligible purchases at Delta and purchases at restaurants. Earn 2X miles on U.S. shipping and select U.S. media ($50,000 annual cap for each category); as well as 1x miles on all eligible non-bonus purchases.

6

Is there a better credit card than the Delta SkyMiles® Gold Business American Express Card?

For lounge access, an annual companion certificate and more benefits, Delta offers two premium business cards: the Delta SkyMiles® Platinum Business American Express Card and the Delta SkyMiles® Reserve Business American Express Card.

7

Does the Delta SkyMiles® Gold Business American Express Card charge foreign transaction fees?

No, the Delta Business Gold card waives all foreign transaction fees.

8

Does the Delta SkyMiles® Gold Business American Express Card have car rental collision damage waiver (CDW) coverage?

Yes, the Gold Business Card offers secondary car rental CDW coverage when renting for business purposes. Terms apply.

9

Does the the Delta SkyMiles® Gold Business American Express Card come with any Elite Status?

No, the Delta SkyMiles Gold Business card does not come with elite status or MQM/MQD earning opportunities.

10

Does the Delta SkyMiles® Gold Business American Express Card offer extended warranty?

Yes, the extended warranty benefit will apply on eligible purchases with the card with an original manufacturer’s warranty of five years or less, adding up to an additional year of coverage for your item.

11

Does the Delta SkyMiles® Gold Business American Express Card offer purchase protection?

Yes, the card offers purchase protection that offers coverage for the first 90 days.

12

Does the Delta SkyMiles® Gold Business American Express Card offer trip protections?

The Delta SkyMiles Gold Business Amex Card offers baggage insurance that can reimburse you for lost, stolen or damaged baggage.

13

What credit score do I need to get a Delta SkyMiles® Gold Business American Express Card?

Your business card application will qualify you based on your personal credit score, income and other factors, but you’ll likely need a 700+ credit score to get approved.

14

What can I do with the miles earned for spending on the Delta SkyMiles® Gold Business American Express Card?

You can redeem the SkyMiles earned from your card for Delta flights and save 15% off award rates thanks to your exclusive cardholder benefit. You can also redeem for flights with Delta’s partner airlines like Air France and AeroMexico.

15

Does Delta SkyMiles® Gold Business American Express Card have Cell Phone Protection?

No, there’s no cell phone coverage benefit on this credit card.

16

How does the Delta SkyMiles® Gold Business American Express Card compare to the Delta SkyMiles® Gold American Express Card?

17

How does the Delta SkyMiles® Gold Business American Express Card compare to the Delta SkyMiles® Platinum Business American Express Card?

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