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Delta SkyMiles® Gold Business American Express Card Review

overall rating

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Refreshed by an updated rewards structure and new incentives, the Delta SkyMiles® Gold Business American Express Card has a $99 annual fee (waived for the first year) and provides rewards of 2 miles per dollar spent on Delta purchases and select business expenses. There's a welcome bonus to earn Earn 75,000 bonus miles after you spend $3,000 in purchases on your new Card within your first 3 months (offer ends 3/29/23).

See rates and fees

Delta SkyMiles® Gold Business Card

Overall Rating
Delta SkyMiles® Gold Business Card
On American Express' Secured Site.
Current Offer

Earn 75,000 bonus miles after you spend $3,000 in purchases on your new Card within your first 3 months. Offer ends 3/29/23.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.49% - 29.49% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per dollar spent on eligible purchases made directly with Delta, U.S. shipping and advertising purchases, and at restaurants. Earn 1 mile on every eligible dollar spent on other purchases.
Cash Advance APR (%) 29.99%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
how this card stacks up
When compared among all business cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Delta SkyMiles Gold Business Card is not one of our top-rated airline credit cards. You can review our list of the best airline credit cards for what we think are better options.

Full Review of Delta SkyMiles Gold Business American Express Card

  • Annual statement credit that justifies the card’s annual fee after year one

  • Easy-to-earn one-time offer

  • Lacks luxury benefits

Pros Explained

  • Annual Statement Credit That Justifies the Card's Annual Fee After Year One: If you spend at least $10,000 on the card, the Delta SkyMiles Gold Business from American Express annually gives you a $100 Delta eCredit, in addition to the points you earn on those purchases., for a goal that most businesses should be able to reach fairly easily—since it’s an average of only about $834 a month in spending. 
  • Easy-to-Earn Bonus Offer: Earn 75,000 bonus miles after you spend $3,000 in purchases onyour new Card within your first 3 months (offer ends 3/29/23). The offers with competing cards often require spending more than $3,000.

Cons Explained

  • Lacks Luxury Benefits: Like most of its airline-card competitors, the Delta SkyMiles Gold Business American Express card provides such flight extras as priority boarding and a free checked bag. Still, it lacks the luxury benefits found on other, albeit more expensive, Delta SkyMiles cards. Those pluses include the likes of an annual companion certificate and access to the Amex and Delta airport lounges. If such items are priorities for you, you may want to consider paying extra to get the Platinum or Delta Reserve cards. 

This Card is Best For

  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for International Traveler Persona
    Travels outside of U.S. on occasion or frequently
    International Traveler
  • Avatar for Business Owner Persona
    Earning a primary or side income from a small business
    Business Owner

The Delta SkyMiles Gold Business American Express is best suited to small businesses and their employees who fly Delta and its partners, but not often enough that a pricier Delta card would make financial sense. It's a better fit if your business regularly spends a lot on dining or domestic shipping and advertising, since those purchases, too, earn the same 2 miles per dollar as Delta transactions.

You needn’t spend a lot in those 2-mile-per-dollar reward categories to recoup this card’s $99 annual fee. Charging just over $3,200 a year on a combination of Delta flights, shipping, and advertising would do the trick, based on estimates from The Balance's credit card points valuation data Delta SkyMiles are worth 1.44 cents each.

This card might also be a worthwhile acquisition for occasional Delta fliers who check a bag whenever they fly domestic. With their first checked bag free on such flights, cardholders would save $60 on a round-trip flight, and up to eight companions on their reservation would also qualify for the benefit.

Delta SkyMiles Gold Business American Express Card Bonus 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). We calculate the value of the offer at $720 when used to buy flights through Delta. The bonus miles post to your account in the form of a statement credit between 8 and 12 weeks after you meet the minimum spending threshold.

You also earn a $100 Delta flight credit if you spend $10,000 on the card within the first calendar year of ownership.

Rewards Earning Details

Cardholders earn 2 miles per dollar spent on Delta purchases, including Delta flights, Sky Club membership or passes, in-flight purchases, seat upgrades, and Delta Vacation packages. The card also earns 2 miles per dollar on U.S. shipping, advertising, and at restaurants.

All other purchases on the card earn 1 mile per dollar. Delta SkyMiles do not expire.

Rewards Redemption Details

In order to redeem miles, you must be a member of the Delta SkyMiles rewards program. Miles can be redeemed through Delta's website, by phone, or at a Delta ticket counter.

You can use your miles balance towards flights, seat upgrades, Delta vacation packages, Sky Club membership, gift cards, and experiences. It's also possible to send SkyMiles to friends and family or donate them to charity. 

Transferring Points

It isn't possible to transfer points from Delta to other loyalty programs directly. You can, however, transfer points from other loyalty programs to Delta and convert them to SkyMiles. Points can be converted from car rental and hotel partners. Before you convert points to Delta's airline loyalty program, bear in mind that conversions can be costly and may come with an additional fee. 

How to Maximize Your Rewards

To get the most out of the Delta SkyMiles Gold Business card, use it for all of your Delta purchases, U.S. shipping costs, U.S. advertising expenses, and restaurant charges. You'll earn 2 miles per dollar on those categories, and spending a combined $3,214 a year on them will allow you to justify the annual fee. It also makes sense to use the card to take advantage of the welcome bonus: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.

Finally, obtain additional cards for employees who make purchases on behalf of the company in order to further increase the miles earned on the account. Of course, depending on your company policy, those employees may be entitled to retain rewards earned on their travel for their personal use. If so—or in order to allow your employees to get a perk—you can enroll your business in Delta’s corporate SkyBonus program, provided at least five employees have cards and they together spend at least $5,000 annually on Delta flights. The program, which is free, allows both the employee and their employer to earn miles rewards on Delta flights.

Average Case

Let's assume that you use this card to book four round-trip domestic Delta flights per year to attend business conferences, spending the national average cost of around $360 per round-trip flight. In addition, you use this card for a combination of shipping, advertising, and restaurant purchases that total $1,000 per month.

Such spending would earn you 26,880 miles with this card, rewards that we estimate would be worth $568—or more than five times the annual fee that is charged after the first year—when redeemed for Delta flights. Let’s assume that for each flight you check a suitcase full of company literature to distribute at the conference. The card’s waiver of fees for those bags would add an extra $240 to the financial benefit of using it.

Aspirational Case

In addition to the scenario above, where you earned 26,880 miles with this card, let's assume you have four employees who also represent the company at conferences. You then leverage the free additional employee cards that come with this account, giving one to each employee, and also enroll in the SkyPlus program that allows both the employees and their employer to earn rewards.

The additional four employees with cards then use them to buy a combined $3,000 per month of shipping, advertising, and restaurants. All four employees also take a round-trip domestic flight once per quarter, spending $360 on each round-trip domestic flight. In total, including the primary cardholder, the five employees and the business itself would earn more than 110,400 miles within the calendar year worth $1,700.

Delta SkyMiles Gold Business Card’s Outstanding Benefits

  • Main-cabin priority boarding
  • Baggage insurance plan*
  • First checked bag is free
  • 20% in-flight savings on food, beverages, and audio headsets
  • Free employee cards

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Underwritten by AMEX Assurance Company.

Standard Benefits

  • Rental car collision insurance (secondary to your own policy)
  • 24/7 global assist hotline*
  • Access to exclusive cardmember-only events
  • Expense management solutions
  • Dispute resolution for fraudulent or incorrect charges

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Card Members are responsible for the costs charged by third-party service providers.

Cardholder Experience

American Express ranked first overall for customer satisfaction in J.D. Power's 2020 U.S. Credit Card Satisfaction Survey, with a score of 838 out of 1,000.

Card members can access and manage their accounts online, through the American Express app or by phone. Customer service is available by phone 24/7. Personal card members can call 1-800-528-4800 for help.

Security Features

Like all Amex credit cards, the Delta SkyMiles Gold Business card offers a range of standard security precautions. Amex will monitor your account for fraudulent activity and send alerts if any irregular activity is detected.

Amex also uses their SafeKey feature, which is an authentication service. You might be prompted to provide a dynamic one-time code (OTC) to verify your identity when making online purchases.

Our Verdict

The Delta SkyMiles Gold Business card from American Express is the least expensive Delta-branded credit card. It offers a business which has occasional travelers on the airline an opportunity to earn both decent rewards and enjoy some basic extras on their trips.

A respectable one-time offer that combines a points bonus and a statement credit, along with a fee waiver, makes the first year with the card especially worthwhile. In subsequent years, you'll get a $100 credit that covers the annual fee, provided your business spends at least $10,000 with the card.

If, however, you and/or your employees travel frequently on Delta, you might consider the Delta SkyMiles Platinum card. The annual fee is a heftier $250, but it offers valuable extra benefits like an annual domestic main-cabin round-trip companion certificate upon renewal.

Alternatively, if your business isn't loyal to Delta, consider a non-branded business card. One of these can provide higher rewards and more flexibility when it comes to redemption. For example, the Chase Ink Business Preferred card offers 3 points per dollar on travel, shipping, Internet, cable, phone services, and on advertising with social media sites. It also has an 100,000-bonus-point bonus offer.

To see the rates and fees for the Delta SkyMiles® Gold Business Card please see the following link: Rates and fees

Next Steps
For Delta SkyMiles® Gold Business Card
on American Express' Secured Site.
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Delta SkyMiles® Gold Business Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.49% - 29.49% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per dollar spent on eligible purchases made directly with Delta, U.S. shipping and advertising purchases, and at restaurants. Earn 1 mile on every eligible dollar spent on other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.