Delta SkyMiles® Gold Business American Express Card Review 2019

The Delta SkyMiles® Gold Business American Express Card is best for businesses that fly with Delta Airlines and want to access in-flight savings and a free checked bag. It offers 2x miles on Delta-related purchases and has a $99 annual fee, which is waived over the first year. Ongoing APR starts at 15.74%.

The best business credit cards for travel offer introductory rewards worth up to $1,000 and ongoing rewards of up to 5x points on travel purchases. They also offer benefits like free airport lounge access, free checked bags, and annual travel credits. The Delta SkyMiles® Gold Business American Express Card offers unrivaled additional travel benefits, 2x miles on Delta purchases, and  introductory bonuses. We give it 4 stars out of 5.

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How We Evaluated the Delta SkyMiles® Gold Business American Express Card

The Delta SkyMiles® Gold Business American Express Card falls short of other business credit cards. This American Express business credit card only offers 2x miles on travel-related purchases compared to some cards that offer 5x points. However, the $99 annual fee is waived over the first year and cardholders will have access to benefits including in-flight savings, free checked bag, and several American Express travel insurances.

Based on the wants and needs of business owners, we considered the following criteria:

• Ongoing rewards: The ongoing rewards you earn for purchases on your card. The Delta SkyMiles® Gold Business American Express Card offers 2x miles for every Delta-related purchases and 1x mile on all other purchases.
• Introductory rewards: The introductory bonus you can earn by meeting a minimum spend within the first few months. The Delta SkyMiles® Gold Business American Express Card offers 40,000 bonus miles when you spend $2,000 within the first three months. On average, each mile is worth 1.8 cents.
• Annual fee: How much it costs to own the card per year. The Delta SkyMiles® Gold Business American Express Card has a $99 annual fee, which is waived for the first year of card ownership.
• Additional benefits: Whether the card has any additional benefits that may make it more valuable. The Delta SkyMiles® Gold Business American Express Card offers purchase and return protection, extended warranty, priority boarding, one free checked bag, in-flight savings, and several travel insurance protections.
• Intro APR: Whether the card includes an introductory 0% APR period on purchases or balance transfers. This American Express business credit card does not offer an introductory 0% APR period.
• Ongoing APR: How much it’ll cost to finance purchases on your card. The Delta SkyMiles® Gold Business American Express Card’s ongoing APR is between 15.74% – 24.74%.

This small business credit card offers some of the best additional travel benefits compared to other business credit cards. Along with Delta’s benefits, such as priority boarding and in-flight savings, cardholders will have access to travel insurance coverages provided by American Express. In our evaluation, we took these unrivaled travel perks into consideration because they can add up to thousands of dollars per year in value.

How We Evaluate Travel Rewards Business Credit Cards

When grading a travel rewards business credit card like the Delta SkyMiles® Gold Business American Express Card, we weighed ongoing rewards, introductory rewards, and additional card benefits heaviest. We also consider the card’s annual fee and introductory and ongoing APRs. Unlike the best travel rewards business credit cards, this American Express business credit card only offers a short 0% APR introductory period.

We graded the Delta SkyMiles® Gold Business American Express Card using the following methodology:

Based on our five-star rating system where 20 points equals one star, the Delta SkyMiles® Gold Business American Express Card was given a score of 4 stars. In cases where cards receive perfect scores in most categories, we may award bonus points to boost the card’s rating. This American Express business credit card could have scored 4.5 stars if it offered an introductory no-interest period on purchases and balance transfers.

Despite the card’s excellent additional card features, this grade is appropriate because the Delta SkyMiles® Gold Business American Express Card’s introductory and ongoing rewards fall short of some of the best travel credit cards. Plus, the redemption value of each point on average is only worth 1.8 cents. Conversely, the Chase Ink Business Preferred^SM has a redemption value double what this card offers when points are redeemed online for travel through Chase.

Who the Delta SkyMiles® Gold Business American Express Card Is Right For

The Delta SkyMiles® Gold Business American Express Card is best for businesses with a significant amount of Delta-related expenses and would prefer reward points vs cash back. Business owners also have the choice of two other American Express business credit cards, which include the Delta SkyMiles® Platinum Business American Express Card and Delta SkyMiles® Reserve Business American Express Card. Both of these cards offer more substantial introductory rewards, but carry a higher annual fee.

Delta SkyMiles® Gold Business American Express Card Costs

You will not receive an introductory 0% APR period on balance trasnfers with the Delta SkyMiles® Gold Business American Express Card. For that reason, this isn’t a good card if you need to carry a balance. However, its ongoing APR starts as low as 15.74%, which ranks well compared to the best possible APR on travel rewards credit cards (16%). This American Express business credit card also has a $99 annual fee that is waived over the first year.

The costs on the Delta SkyMiles® Gold Business American Express Card are:

• Introductory APR: None
• Ongoing APR: 15.74% – 24.74%, which fluctuates with the prime rate
• Annual fee: $99, waived over the first year
• Balance transfer fee: Transfers are not allowed
• Foreign transaction fee: None
• Cash advance fee: $5 or 3%, whichever is greater (cash advance APR 25.24%)
• Late payment fee: Up to $39
• Returned payment fee: $39
• Penalty APR: 29.24% for at least 12 consecutive billing periods until you’ve made timely payments for 12 consecutive months with no returned payments

This card’s APR is 0.25% lower than the lowest possible APR on the Chase Ink Business Preferred^SM (17.74%). Additionally, the Chase Ink Business Preferred^SM has the same annual fee ($99), but it’s not waived for this first year.

How to Avoid Paying Interest on the Delta SkyMiles® Gold Business American Express Card

You must pay your Delta SkyMiles® Gold Business American Express Card bill within 25 days from receiving it to avoid paying interest. This is identical to some other travel rewards cards, such as the Capital One® Spark® Miles card. There are some cards that offer shorter windows, like the Chase Ink Business Preferred^SM, which requires you to pay your bill within 20 days from the close of your billing period.

Delta SkyMiles® Gold Business American Express Card Rewards

You can earn 40,000 bonus miles after spending $2,000 within the first three months of having your Delta SkyMiles® Gold Business American Express Card. Plus, this American Express business credit card offers 2x miles on Delta-related purchases and 1x points on all other purchases.

The rewards offered on the Delta SkyMiles® Gold Business American Express Card are:

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 40,000 bonus miles after you spend $2,000 within the first three months

The introductory reward offered on the Delta SkyMiles® Gold Business American Express Card is worth $540, which falls short to other small business credit cards on the market. For example, the Chase Ink Business Preferred^SM offers 80,000 bonus points when you spend $5,000 within the first three months. That’s $1,000 toward travel when you redeem your points through the Chase rewards portal.

American Express has two other American Express business credit cards with better introductory rewards, but they both carry higher annual fees. The Delta SkyMiles® Platinum Business American Express Card offers 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first three months. The Delta SkyMiles® Reserve Business American Express Card credit card offers 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first three months.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 2x miles: Earn 2 miles on every eligible dollar spent on purchases made directly with Delta
• 1x mile: Earn 1 mile on every eligible dollar spent on other purchases
• First Checked Bag Free: You can check your first bag free on Delta flights booked with your card (up to $60 in savings round-trip)
• Priority Boarding: When you use your American Express business credit card, you will have access to main cabin 1 priority boarding

The Delta SkyMiles® Gold Business American Express Card Card offers identical ongoing rewards compared to the Delta SkyMiles® Platinum Business American Express Card and Delta SkyMiles® Reserve Business American Express Card. It also offers similar rewards to the Capital One® Spark® Miles card. However, with the Capital One card you can earn 2x miles on every purchase for your business. You are not restricted to a specific airline or hotel company.

Rewards Restrictions

The Delta SkyMiles® Gold Business American Express Card won’t reward the following purchases:

• Interest charges or any card fees
• Cash advances
• Traveler’s checks
• Gift cards or gift certificates
• Person-to-person payments
• Prepaid cards
• Other cash equivalents

As a member of Delta SkyMiles, you can use your rewards toward flights, seat upgrades, car rentals, merchandise, gift cards, and more. Even more, your miles never expire, and there are no limits to how many you can earn. Rewards restrictions here are common across small business credit cards.

How You Can Redeem Your Rewards

You can redeem your miles for Delta operated flights, seat upgrades, car rentals, merchandise, and gift cards through the Delta rewards portal. Your miles redemption must be in increments of 5,000 miles with a minimum of 5,000 miles per redemption. The redemption value of your Delta miles can range between 0.4 cents to 3.2 cents per miles, depending on what you’re purchasing. However, the average value is 1.8 cents per mile.

Other rewards credit cards offer points with similar value, such as the Chase Ink Business Preferred^SM. When you redeem your Chase points for travel through the Chase rewards portal, they’re each worth 1.5 cents. In addition to redeeming your points through the Chase portal, you can also transfer them to an airline partner. This could increase the redemption value to 2 cents per point or more when booking flights.

Delta SkyMiles® Gold Business American Express Card Features

The Delta SkyMiles® Gold Business American Express Card offers additional features and travel perks that increase the value of the card. These features can be worth in the thousands of dollars per year. Such features include a roadside assistance, purchase and return protection, customer service, account management tools, and more.

The features the Delta SkyMiles® Gold Business American Express Card offers are:

Roadside Assistance

When you use the Delta SkyMiles® Gold Business American Express Card, you will have access to a roadside assistance hotline that can help in the case of an emergency. This roadside assistance hotline is free and can send out a tow truck or assist with lockout services. Although, cardholders are responsible for any additional goods or services provided.

What’s Covered with the Delta SkyMiles® Gold Business American Express Card Roadside Assistance Hotline

The roadside assistance hotline can send out help for the following services:

• Towing
• Winching
• Jump-starts
• Flat tire change
• Lockout services
• Delivery of up to 2 gallons of fuel

If you don’t want to pay for these services, a better card option would be the Delta SkyMiles® Reserve Business American Express Card credit card. The Delta SkyMiles® Reserve Business American Express Card offers these services plus up to 10 miles of towing for no additional fee.

What the Delta SkyMiles® Gold Business American Express Card Roadside Assistance Hotline Excludes

The following vehicles aren’t covered by the roadside assistance:

• Rental vehicles
• Taxis
• Unlicensed vehicles
• Tractors and trucks weighing 10,000+ pounds.

Overall, most small business credit cards that provide cardholders with roadside assistance typically have common exclusions. The Delta SkyMiles® Reserve Business credit card, for example, has identical vehicle exclusions.

Purchase Protection

The Delta SkyMiles® Gold Business American Express Card offers coverage up to $1,000 per damaged or stolen item and up to $50,000 per calendar year. To be eligible, the incident must be within 120 days of the purchase date (90 days for New York residents). This coverage is identical to what’s provided on the Delta SkyMiles® Platinum Business American Express Card.

What’s Covered with the Delta SkyMiles® Gold Business American Express Card Purchase Protection

Purchased items are covered if they were damaged or stolen within 120 days of the purchase date and entirely purchased using your Delta SkyMiles® Gold Business American Express Card. Other small business credit cards offer similar coverages, but may have a shorter window. The Capital One® Spark® Miles, for example, only provides coverage on purchased items that were damaged or stolen within 90 days of the purchase date.

What the Delta SkyMiles® Gold Business American Express Card Purchase Protection Excludes

Purchase protection doesn’t provide coverage on the following items:

• Consumable or perishable items with extended or limited life spans
• Stolen or damaged articles in a set
• Traveler’s checks, tickets of any kind, negotiable instruments, and cash or its equivalent
• Rare stamps or coins
• Living plants or animals
• One-of-a-kind items
• Previously owned items
• Motorized vehicles (scooters, golf carts, watercraft, aircraft, motorcycles) and their parts
• Rental items
• Permanent household or business fixtures
• Items purchased as inventory

The coverage the Capital One® Spark® Miles card offers is more substantial. Compared to American Express, Capital One provides coverage up to $10,000 per eligible item and up to $50,000 per year. Exclusions in this category are common across small business credit cards.

Return Protection

The Delta SkyMiles® Gold Business American Express Card offers return protection on purchased items that can’t be returned to the original store within 90 days of the purchase date. For eligible items, American Express provides refunds up to $300 per item and up to $1,000 per calendar year. This coverage excludes shipping and handling charges.

What’s Covered with the Delta SkyMiles® Gold Business American Express Card Return Protection

Purchased items are covered if the store won’t accept a return within 90 days of the purchase date and if the item is in its original condition. Return protection, however, is not a common benefit across small business credit cards. For example, both the Capital One® Spark® Miles and Chase Ink Business Preferred^SM don’t offer return coverages.

What the Delta SkyMiles® Gold Business American Express Card Return Protection Excludes

The following items are not covered under return protection:

• Living plants or animals
• One-of-a-kind items, going-out-of-business sale items, and limited edition items
• Consumable or perishable items
• Jewelry and watches
• Services and additional fees
• Rare coins
• Purchased used items
• Custom-built items
• Computer software
• Compact discs, digital video discs, mini discs, audio tapes, and videotapes
• Maps, books, and magazines
• Health care items, medical equipment, and personal hygiene items
• Tickets of any kind
• Formal wear
• Motorized vehicles and their parts and accessories
• Land, buildings, and fixtures
• Firearms and ammunition
• Negotiable instruments
• Cash or its equivalent
• Items permanently affixed to home, office, vehicles, etc.
• Seasonal items

Most small business credit cards don’t provide cardholders with return protection. However, several American Express business credit cards have this additional feature. For instance, the Delta SkyMiles® Reserve Business credit card offers identical coverage. Exclusions here are identical across American Express business credit cards.

Extended Warranty Protection

The Delta SkyMiles® Gold Business American Express Card offers extended warranties on purchased items that have original manufacturer’s warranties of five years or less. American Express will match the warranty if it’s less than two years long or provide an additional two years to the warranty if the original warranty is between two and five years.

What’s Covered with the Delta SkyMiles® Gold Business American Express Card Extended Warranty Protection

Purchased items are covered if they come with a warranty of five years or less and if you paid for the item entirely on the Delta SkyMiles® Gold Business American Express Card. American Express offers substantial extended warranty protected compared to other small business credit cards. For instance, the Chase Ink Business Preferred^SM provides coverage on purchased items that come with an original warranty of three years or less.

What the Delta SkyMiles® Gold Business American Express Card Extended Warranty Protection Excludes

The following purchases are not covered by extended warranty protection:

• Items covered by an unconditional satisfaction guarantee
• Animals or living plants
• Consumable or perishable items
• Motorized vehicles and motorized devices
• Business fixtures
• Land or buildings
• More than one article in a set
• Items purchased for inventory

This coverage is identical when compared to other American Express business credit cards, such as the Delta SkyMiles® Platinum Business American Express Card and Delta SkyMiles® Reserve Business American Express Card. Coverage is limited to $10,000 per purchased item and $50,000 per card member account per calendar year. Exclusions here are common across small business credit cards.

Travel Accident Insurance

American Express offers travel accident insurance up to $100,000 when you pay for an entire trip fare with the Delta SkyMiles® Gold Business American Express Card. This coverage includes if you die or lose a limb, sight, speech, or hearing.

What’s Covered with the Delta SkyMiles® Gold Business American Express Card Travel Accident Insurance

If you die or lose a limb, sight, speech, or hearing on a trip that was paid for entirely using your Delta SkyMiles® Gold Business American Express Card, American Express offers coverage up to $100,000. If your business needs more coverage, a good card option would be the Delta SkyMiles® Reserve Business credit card. The Delta SkyMiles® Reserve Business American Express Card offers travel accident insurance up to $500,000.

What the Delta SkyMiles® Gold Business American Express Card Travel Accident Insurance Excludes

The following acts aren’t covered by American Express travel accident insurance:

• Any attempt of self-inflicted injury or suicide
• War or acts of war
• Injury caused while serving as an operator or crew member
• Injuries caused driving or riding as a passenger in a rental or personal vehicle
• Injuries caused by commuting
• Sickness, physical, or mental infirmity
• Pregnancy
• Stroke or cerebrovascular accident, cardiovascular accident
• Myocardial infarction or heart attack
• Coronary thrombosis
• Aneurysm
• Deep vein thrombosis

Small business credit cards that offer travel accident insurance, such as the Delta SkyMiles® Gold Business American Express Card, provide coverage for the same incidents (losing a limb, sight, speech, or hearing). Plus, exclusions here are common across small business credit cards.

Baggage Insurance Plan

The Delta SkyMiles® Gold Business American Express Card offers baggage insurance between $250 – $1,250 for any lost luggage while in transit, carry-on baggage, checked baggage, or high-risk items. Cardholders are only eligible for this coverage if the entire trip fare was paid for using your American Express business credit card.

What’s Covered with the Delta SkyMiles® Gold Business American Express Card Baggage Insurance Plan

The baggage insurance plan provides the following coverages:

• Up to $1,250 for luggage lost in direct transit to a common carrier’s terminal
• Up to $1,250 for lost carry-on luggage
• Up to $500 for lost checked luggage
• Up to $250 for lost high-risk items (jewelry, sporting equipment, or electronic equipment)

American Express provides some of the best baggage insurance coverages compared to most small business credit cards. The Capital One® Spark® Miles, for example, only offers cardholders with a lost luggage locator service that helps you through the claim process or organize shipment of replacement items.

What the Delta SkyMiles® Gold Business American Express Card Baggage Insurance Plan Excludes

The following items are not covered by the baggage insurance plan:

• Cash or its equivalent
• Notes, accounts, bills, currency, or deeds
• Food stamps or evidences of debt
• Intangible property
• Credit cards
• Other travel documents (e.g., passports and visas)
• Securities, tickets, and documents
• Animals and living plants
• Food, consumable, and perishable items
• Eyeglasses, sunglasses, and contact lenses
• Hearing aids, artificial teeth, and artificial limbs
• Prescription or non-prescription drugs
• Property shipped as freight or shipped before the departure date

Baggage insurance protection on the Delta SkyMiles® Gold Business American Express Card and Delta SkyMiles® Reserve Business American Express Card is identical. If you need or want better coverage, a good card option would be the American Express Business Platinum Card®. The American Express Business Platinum Card® offers coverage between $1,000 – $3,000.

Car Rental Loss and Damage Insurance

The Delta SkyMiles® Gold Business American Express Card offers car rental and damage insurance up to $50,000 per car rental agreement. The car rental loss and damage insurance only applies for the first 30 consecutive days of a car rental from a car rental company.

What’s Covered with the Delta SkyMiles® Gold Business American Express Card Car Rental Loss and Damage Insurance

The lesser of the following is covered by the car rental and damage insurance:

• The actual cost to repair the rental vehicle
• The wholesale book value of the rental vehicle, minus salvage and depreciation costs
• The purchase invoice price of the rental vehicle, minus salvage and depreciation costs

Other small business credit cards offer insurances with slightly longer coverage windows. The Chase Ink Business Preferred^SM, for example, offers coverage on car rental for the first 31 consecutive days of a car rental period.

What the Delta SkyMiles® Gold Business American Express Card Car Rental Loss and Damage Insurance Excludes

The following losses are not covered by this insurance package:

• Damage that occurred outside the car rental period
• Intentional damage
• Manufacturing defects and normal wear and tear
• Confiscation by the police
• Damages caused by freezing
• Mechanical or electrical breakdown
• Theft or damage to unlocked or not secured rental cars
• Theft of or damage to tires
• Damage to any vehicle other than the rental car or any property other than the rental car

Some business credit cards, such as the Delta SkyMiles® Gold Business American Express Card, place a monetary cap for their car rental insurances. In this case, American Express caps the coverage at $50,000. In comparison, the Chase Ink Business Preferred^SM may reimburse cardholders up to the actual cash value of the car. Exclusions here are common across small business credit cards.

Global Assist Hotline

With the Delta SkyMiles® Gold Business American Express Card, you will have access to 24-hour dispatch for when you travel more than 100 miles from home. This global assistance hotline helps connect cardholders to travel, emergency, medical, and legal assistance.

Services Delta SkyMiles® Gold Business American Express Card Provides

The Delta SkyMiles® Gold Business American Express Card provides the following travel and emergency assistance:

• Language translation and interpretation assistance
• Lost item assistance
• Travel document help (e.g., passports and visas)
• Ability to cancel credit cards
• Delivery of urgent messages 24 hours a day

The Delta SkyMiles® Gold Business American Express Card provides the following medical and legal assistance:

• List of nearby physicians and dentists
• Prescription transfers from your home pharmacy
• Medical care monitoring while on your trip
• Medical transportation assistance
• Find bail bond agencies that take your American Express business credit card
• Referrals for English speaking lawyers and embassies

When compared to other small business credit cards, the global assistance hotline provided by American Express is unique. This is a proprietary service provided on American Express business credit cards. Other credit cards offer similar services, such as the Chase Ink Business Preferred^SM.

Account Management Tools

When you use the Delta SkyMiles® Gold Business American Express Card, you and your employees will have access to a number of account management tools. American Express provides desktop account managers and mobile apps that allow account holders to manage their funds on a day-to-day basis. You can also connect your account to a QuickBooks account and have your transaction data automatically transferred.

The Delta SkyMiles® Gold Business American Express Card account management tools are:

• Mobile device apps: American Express mobile apps allow account holders to manage their cards on the fly. They can pay their bills, control employee cards, and view their balance. Employees can also use the app to upload photos of their receipts for expense reporting.
• Desktop account managers: American Express desktop programs allow account holders to manage their account and employee cards right from their computer. They can pay their bills, flag unusual transactions, and set employee card restrictions.
• Connect to QuickBooks: Account holders can connect their American Express account to their QuickBooks account and have their transaction data automatically transferred.

Most small business credit cards offer their cardholders with a variety of account management tools and programs. For example, the Capital One® Spark® Miles offers a similar mobile app and downloadable purchase records into a number formats, including QuickBooks

Delta Sky Club

The Delta SkyMiles® Gold Business American Express Card offers cardholders with a reduced fee when it comes to accessing Delta Sky Clubs. Delta Sky Club reduced per-visit rate is $29 per person, which is available to cardholders and up to two guests. You will only have access to this rate when you can present a same-day boarding pass from your Delta Airlines flight.

If you don’t want to pay for this additional service every time, then consider the Delta SkyMiles® Reserve Business American Express credit card. The Delta SkyMiles® Reserve Business American Express Card offers complimentary Delta Sky Clubs access. All you need to enter is your American Express business credit card, government I.D., and flight ticket for that day.

Adding Delta SkyMiles® Gold Business American Express Card Employee Cards

On the Delta SkyMiles® Gold Business American Express Card, you can issue up to 99 employee cost at no additional cost. A handful of small business credit cards don’t carry a fee for employee cards, even when the primary card has an annual fee. Employee cards are a smart way to give employees access to business funds for business-related expenses.

What the Delta SkyMiles® Gold Business American Express Card is Missing

The Delta SkyMiles® Gold Business American Express Card doesn’t offer an introductory 0% APR period like some other small business credit cards. This means it’s not the best business credit card option if you need to carry a balance. If you know you’ll need to carry a balance, consider the Capital One® Spark® Miles. It offers 0% interest for the first nine months on purchases.

Delta SkyMiles® Gold Business American Express Card Reviews

We sourced user reviews from online and found most reviews to be positive. Most customers have been very pleased with their rewards on the Delta SkyMiles® Gold Business American Express Card and speak highly of the customer service. One negative review suggests that if you don’t fly Delta often, this card is not worth the $99 annual fee.

How to Apply for the Delta SkyMiles® Gold Business American Express Card

You can apply for the Delta SkyMiles® Gold Business American Express Card online. You’ll be required to provide both basic personal and business information during the application process. After you submit your application, you’ll usually receive a decision immediately. If you’re approved, you will receive your credit card within seven to 10 days. If you’re not approved instantly, you can check on your application status on the American Express website.

How to Log in Into Your Delta SkyMiles® Gold Business American Express Card Account

You can log in to your American Express account online by providing your user login ID and password. If you need assistance, you can reach out to American Express customer service through the American Express website or call 800-492-3344.

Other American Express Business Credit Cards

American Express has a number of small business credit cards to choose from for different business spending needs. American Express business credit cards have various introductory and ongoing rewards, interest rates, and potential annual fees. You may want to consider another card if you want to earn rewards on purchases outside of Delta.

The other American Express business credit cards are:

• • American Express Business Platinum Card®: An excellent card option for businesses that travel frequently. With this card, you can earn maximum travel rewards and have access to several additional travel perks.
  • American Express® Business Gold Card: This card is best for business owners who want to earn rewards in the two spending categories where they spend the most each month. Cardholders will also have a number of American Express travel perks.
  • The Plum Card^® from American Express: A great card option for business owners that want a charge card. You can receive early pay discounts or opt-in to free financing terms.
  • American Express Blue Business® Plus Credit Card: Best for business owners who want to earn rewards on their everyday expenses. Cardholders will also receive additional card features, such as account management tools.
  • Hilton Honors American Express Business Credit Card: This card is best for businesses that primarily stay with Hilton hotels and resorts. You can receive a complimentary Hilton Honors membership status and American Express travel perks.
  • American Express Marriott Bonvoy Business^TM Credit Card: Best for business owners who book all of their stay with Marriott Bonvoy hotels and resorts. You can receive a complimentary membership status and earn points for your Marriott Bonvoy purchases.

• • Delta SkyMiles® Reserve Business American Express Card: An excellent card option for businesses that do all their flying with Delta Airlines. Cardholders can earn Delta SkyMiles and have access to several Delta Sky Clubs.
  • Delta SkyMiles® Platinum Business American Express Card: Another business credit card option best for business owners who only fly with Delta. Cardholders will have access to both Delta and American Express travel benefits.

• Amazon Business Prime American Express Card: An excellent card for business owners with existing Amazon Prime memberships. You can earn points rewards for your purchases at Amazon owned businesses.
• Amazon Business American Express Card: Best for business owners without an Amazon Prime membership. You can earn points for your purchase at Amazon owned businesses. To unlock better rewards, consider opening an Amazon Prime account.
• American Express Business Green Rewards Card: An excellent business credit card for businesses with low annual spend amounts. Cardholders can earn points rewards for purchases related to American Express travel.
• American Express Lowe’s Business Credit Card: Best for business owners who do a lot of their shopping at Lowe’s hardware stores. Cardholders can earn rewards for Lowe’s-related purchases and in-store discounts.

Alternatives to the Delta SkyMiles® Gold Business American Express Card

Some business owners may find that the Delta SkyMiles® Gold Business American Express Card isn’t right for their business because they don’t travel with Delta enough. If that’s the case for your business, consider other business credit cards that may offer better rewards for your spending needs and more favorable terms.

3 Alternatives to the Delta SkyMiles® Gold Business American Express Card

For rates and fees on the Delta SkyMiles® Gold Business American Express Card, please click here.