Delta SkyMiles® Gold Business American Express Card Review for 2023
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This article is part of a larger series on Best Small Business Credit Cards.
The Delta SkyMiles® Gold Business American Express Card is designed for business owners who fly with Delta Air Lines frequently and want to access in-flight savings and a free checked bag. This travel business credit card comes with a low annual fee of $99 and offers rewards in several categories, including advertising, shipping, and dining. However, it lacks a 0% introductory APR and doesn’t allow balance transfers.
If you wish to compare one card over another, simply choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Delta SkyMiles® Gold Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Delta Air Lines flyers and earning rewards outside of Delta purchases
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
- NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
- NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
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 first consider the ongoing rewards, introductory rewards, and additional card benefits. We also take into account the card’s annual fee, introductory and ongoing annual percentage rates (APRs), and other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 18 | 25 |
Introductory Rewards | 20 | 25 |
Additional Features | 25 | 25 |
Annual Fee | 8 | 10 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Other Fees | 5 | 5 |
Total Score | 79 | 100 |
Who the Delta SkyMiles® Gold Business American Express Card Is Best For
- Business owners who fly with Delta Air Lines frequently and prefer a low annual fee card: Business owners who fly primarily with Delta Air Lines can use this card to capitalize on Delta-related rewards and enjoy travel perks like a free checked bag, in-flight savings, and priority boarding.
- Business owners with advertising, shipping, and dining expenses: This card offers unlimited rewards when you use it to pay for advertising in select media, US shipping purchases, and dining at restaurants.
If you think this card isn’t right for you, go to our recommended alternatives below to find suitable options.
Delta SkyMiles® Gold Business American Express Card Fees
APR
- Introductory: None
- Ongoing: 20.24% to 29.24% variable, which changes with the Prime rate
- Cash advance: 29.74% variable, which changes with the Prime rate
- Penalty: 29.99% variable, which adjusts with the Prime rate; will be applied to your account if you do one of the following:
- Make two or more late payments within the 12-month period
- Fail to pay the minimum payment due by the closing date of the billing period
- Make a payment that’s returned
Fees
- Annual: $99; waived for the first year
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance: $5 or 3%, whichever is higher
- Late payment: Up to $39
- Overlimit: None
- Returned payment: $39
How To Make Payments in the Delta SkyMiles® Gold Business American Express Card
- Online banking: Pay either via the Amex website or the Amex Android or iOS app.
- Phone: Call (800) 472-9297, state your card information when prompted, then follow the prompts.
- AutoPay: Log in to your online account and click “Payments,” located in the blue navigation bar, and then choose “Manage AutoPay.”
- Mail: Send your payment via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference.
First Class Mail
American Express
PO Box 650448
Dallas, TX 75265-0448
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
Delta SkyMiles® Gold Business American Express Card Rewards
- Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
- 2x miles on every dollar spent on eligible purchases made directly with Delta
- 2x miles per dollar spent at restaurants, shipping providers, and for advertising in select media
- 1x miles per dollar spent on all other purchases
- $100 Delta flight credit to use toward future travel after you spend $10,000 in purchases in a calendar
You can redeem your miles through the Delta rewards portal and use them toward flights, seat upgrades, car rentals, merchandise, and gift cards. Redemption should be in increments of 5,000 miles, with a minimum of 5,000 miles per redemption. The redemption value of your Delta miles may vary depending on what you’re purchasing.
Delta SkyMiles® Gold Business American Express Card Additional Features
Travel
- First checked bag free: The card allows you to check your first bag for free and save up to $60 on a round-trip Delta flight.
- Main Cabin 1 priority boarding: You can board early―when Main Cabin 1 priority boarding is called―when flying with Delta.
- 20% in-flight savings: You can enjoy 20% savings in the form of a statement credit on select in-flight purchases aboard a Delta flight when you use your card.
- Baggage insurance plan: This provides coverage in case your bag is stolen, lost, or damaged. You can be reimbursed up to $1,250 for carry-on baggage and up to $500 for checked baggage. New York State residents have a $10,000 aggregate maximum limit for all covered persons per trip.
- Car rental loss and damage insurance: Use your American Express business card to rent a car. Then, decline the collision damage waiver from the rental company to be eligible for coverage.
Expense Management
- QuickBooks Integration: When you add your credit card to QuickBooks, your business transactions are tagged with your QuickBooks categories automatically.
- Year-end summary: American Express offers a complete summary of all of your spending after the end of the year. This is categorized by the month and purchase type, which will help you track your business expenses down to the last detail.
Other Protections
- Extended warranty: This offers a warranty of one additional year and is available for purchases with original manufacturer’s warranties of five years or less.
- Purchase protection: Your items are covered for up to 90 days from the date of purchase if they’re stolen or damaged. The coverage has a maximum limit of $1,000 per occurrence, up to $50,000 per person, per calendar year.
Delta SkyMiles® Gold Business American Express Card Alternatives
Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Capital One® Spark® Miles for Business card is an excellent alternative if you want to earn unlimited 2x miles on all business-related purchases
- Charges a low annual fee of $95, which is also waived for the first year
- Allows balance transfers, making it a better option if you need to access balance transfer services
- Is our top pick for the leading business credit cards for travel and best business cards for miles
Chase Ink Business Preferred®
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
20.24% - 25.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the US manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts – and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
N/A
Regular APR
20.24% - 25.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the US manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts – and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Chase Ink Business Preferred® is a great option if you spend on expenses such as travel, shipping purchases, advertising on search engines and social media sites, internet, cable, and phone services
- Charges a $95 annual fee
- Has no foreign transaction fee
- Allows balance transfers
- Is one of our top-recommended business cards with no foreign transaction fees
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
- NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
- NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
- Delta SkyMiles® Platinum Business American Express Card is an excellent alternative if you want to enjoy discounted access to the Delta Sky Club
- Allows you to receive a reduced fee of $39 per Delta Sky Club visit
- Offers a companion certificate for a domestic main cabin round trip each year upon renewal of your card
- Comes with an annual fee of $250
- Has no foreign transaction fee
- Is one of our leading business credit cards for travel and best business cards for miles
If you need more options, head over to our Credit Card Marketplace and see our roundup of the best small business credit cards. You may also want to check out other American Express business credit cards.
Bottom Line
The Delta SkyMiles® Platinum Business American Express Card is a great choice for business owners who travel with Delta Air Lines frequently and want to enjoy travel rewards and perks. It’s a good option if you don’t need to access the Delta Sky Club because it charges a lower annual fee compared to the Delta SkyMiles® Platinum Business and Delta SkyMiles® Reserve Business cards from American Express.
