Editorial and Partnership Disclosure
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 rewards business credit card comes with a $0 annual fee for the first year and offers rewards in several categories, including advertising and shipping. However, it lacks a 0% introductory Annual Percentage Rate (APR) and doesn’t allow balance transfers.
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $0 introductory annual fee for the first year, then $150 |
| Credit Needed | Excellent, Good |
- Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 7/15/26.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Enjoy your first checked bag free on Delta flights worldwide for you and up to 8 travel companions in your reservation. Plus, as a Basic Card Member, you can check your second bag for free on domestic Delta flights.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- NEW: Earn up to $10 back each month after your first Card renewal when using your enrolled Delta SkyMiles Gold Business card for U.S Rideshare purchases with select providers.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
- 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
(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.)
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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 ongoing rewards, introductory rewards, and additional card features. We also take into account the card’s annual fee and APRs.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 18 | 25 |
| Introductory Rewards | 20 | 25 |
| Additional Features | 20 | 20 |
| Annual Fee | 7 | 10 |
| Introductory APR | 0 | 10 |
| Ongoing APR | 5 | 10 |
| Total Score | 70 | 100 |
- Who the Delta SkyMiles® Gold Business American Express Card Is Best For
- Delta SkyMiles® Gold Business American Express Card Rewards
- Delta SkyMiles® Gold Business American Express Card Features
- Delta SkyMiles® Gold Business American Express Card Fees
- Delta SkyMiles® Gold Business American Express Card Alternatives
- Capital One® Spark® Miles for Business
- Ink Business Preferred® Credit Card
- Frequently Asked Questions (FAQs)
- Bottom Line
Who the Delta SkyMiles® Gold Business American Express Card Is Best For
- Those who fly with Delta Air Lines frequently: You can use the card to capitalize on Delta-related rewards and enjoy travel perks like in-flight savings, priority boarding, and a free checked bag.
- Those spending $10,000 per year: You can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
Delta SkyMiles® Gold Business American Express Card Rewards
- Welcome Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
- 2x miles: Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- 2x miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants
- 1x miles per dollar spent on all other purchases
Delta SkyMiles® Gold Business American Express Card Calculator
Use our calculator to compute the potential rewards you can earn with the Delta SkyMiles® Gold Business American Express Card—just input your projected monthly spending based on the categories.
Delta SkyMiles® Gold Business American Express Card Rewards Calculator
Your potential annual reward earnings are:
How to Redeem Delta SkyMiles® Gold Business American Express Card Rewards
You can redeem your miles through the Delta rewards portal and use them toward flights, seat upgrades, car rentals, or other Delta products or services. 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 Features
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.
Travel perks and protection
- First checked bag free: 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
- $0 introductory annual fee for the first year, then $150
- Save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn $150: Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card
Purchase protection
- 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
Delta SkyMiles® Gold Business American Express Card Fees
APR
- Introductory: None
- Ongoing: 19.49% to 28.49% 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: $0 introductory annual fee for the first year, then $150
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late payment: Up to $40
- Overlimit: None
- Returned payment: $40
Your due date is at least 25 days after the close of each billing period.
How to Make Payments
- Online or mobile banking: You can pay via the Amex website or mobile app.
- Phone: Call 800-472-9297, state your card information when prompted, and then follow the prompts.
- AutoPay: Log in to your online account and click “Payments” in the blue navigation bar, then choose “Manage AutoPay.”
- Wire transfer
Include your card member name, your American Express account number, and the following information when paying via this option: - Bank name: Chase Manhattan Bank
- Account name: American Express Card Member Wire Depository
- Address: 1 Chase Plaza, New York, NY 10081
- ABA number (routing number): 0210-0002-1
- Account number: 910-2-753036
- Mail: You can send your credit card bills 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 96001
Los Angeles, CA 90096-8000
Delta SkyMiles® Gold Business American Express Card Alternatives
Delta SkyMiles® Reserve Business American Express Card
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $650 |
| Credit Needed | Excellent, Good |
- Limited Time Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 7/15/26.
- Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- Earn 3 miles per dollar on eligible Delta purchases.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- Enjoy your first checked bag free on Delta flights worldwide – and on domestic Delta flights, your second bag flies free too.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
- With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
- Annual boost: Get $1 Medallion® Qualification Dollar for each $10 in purchases on your Delta SkyMiles® Reserve Business Card in a calendar year, making earning Medallion Status for next Medallion Year that much quicker.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight early with Zone 5 Priority Boarding.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
(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.)
The Delta SkyMiles® Reserve Business American Express Card is an excellent alternative for those who are loyal Delta Air Lines flyers and want premium Delta perks such as 15 Visits to Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year. While it charges a high annual fee of $650, it makes up for the statement credits you can get from notable brands needed for businesses and $0 foreign transaction fees.
Capital One Venture Business
| Intro APR | N/A |
|---|---|
| Regular APR | 24.49% (Variable) |
| Annual Fee | $95 |
| Credit Needed | Excellent |
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
If you prefer to earn fixed-rate miles rewards, then we suggest the Capital One Venture Business. With a low annual fee of $95 (waived for the first year), you can take advantage of the unlimited 2x miles on all purchases, which can be redeemed for travel purchases, gift cards, cash back, event tickets, and PayPal or Amazon shopping.
Ink Business Preferred® Credit Card
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 26.74% Variable |
| Annual Fee | $95 |
| Credit Needed | Excellent, Good |
- Earn 100k bonus points after you spend $8,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
- 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 United States 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
Consider including the Ink Business Preferred® Credit Card in your list of alternative cards if you are looking for a card that lets you earn 3x points rewards on the first $150,000 spent in combined purchases, including travel. You can also take advantage of its low annual fee and enjoy $0 foreign transaction fees.
Frequently Asked Questions (FAQs)
How can I apply for a Delta SkyMiles® Gold Business American Express Card?
You can apply online or by calling 877-673-6758. Note that you will need to provide the following information:
- Business’s legal name, address, phone number, and email address
- Federal tax identification number (TIN) or Social Security number (SSN)
- Type of industry your business is engaged in
- Company structure
- Number of years your company has been in business
- Number of employees
- Annual business revenue
- The name you would like to appear on the card
Can I request a credit limit increase for my Delta SkyMiles® Gold Business American Express Card?
Yes, you can request a credit limit increase in three ways: by going online, using the American Express mobile app, or calling customer service at 800-492-3344.
What is Delta SkyMiles® Gold Business American Express Card’s credit limit?
Your credit limit will vary depending on your annual income, credit history, and other factors. Some cardholders received a starting credit limit of $1,000, while others were granted a $20,000 limit or more.
Bottom Line
Delta SkyMiles® Gold Business American Express Card is a great choice for business owners who frequently travel with Delta Air Lines 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 than the Delta SkyMiles® Platinum Business and Delta SkyMiles® Reserve Business.
For more information on those cards, read our Delta SkyMiles® Platinum Business review and Delta SkyMiles® Reserve Business review.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
