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NerdWallet > Business Credit Cards > Gold Delta SkyMiles®Business Credit Card from American Express OPEN
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Gold Delta SkyMiles®Business Credit Card from American Express OPEN
American+Express Gold+Delta+SkyMiles+Business Credit Card

(3.5/5 - 113 Votes)
Net Annual Rewards
$269
of Delta Miles
Reward Rate
1.00%
Annual Fee
$0 the first year, then $95
Signing Promo
20,000 Delta Miles Bonus - 20,000 miles with first purchase.
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.
APR, variable*
Min APR:
15.24%
Max APR:
19.24%
Default:
27.24%
Cash Adv:
21.24%
Intro APR Promotions
Purchase:
None
Transfer:
None
Summary
  • Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free-for up to 8 people on your reservation-on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

Compare To Our Most Popular Cards For The Category

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Compare To Capital One® Spark℠ Miles for Business

Why do we think you should consider this card?

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Reward Details & Calculator

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Rewards Type: Delta Miles

Signing Promotion
($200=20,000 miles)/2 yrs
$100
Estimated Annual Rewards
$21,600 * 1.00%
$216
Annual Fee, 2 yr avg
$48
Annual Rewards (Rewards less Fees)
$269

Details

  • Earn 1 mile per $1 spent on purchases
  • 2 miles per $1 spent on Delta and Northwest flights
  • 1 mile per $1 spent elsewhere
  • $99 Companion Certificate upon renewal

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 0.0%
$0
APR, 24 months
$3,538
Total
$3,538

*Average APR for Balance Transfers of 15.2% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 0 months
0.00%
Ongoing EAR, 24 months
16.35%
Total EAR, 24 months
16.35%

APR Rankings

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APR
15.24%
ranks #1525 out of 1751 cards.
Average is 11.78%.
Balance Transfer Fee
N/A
Cash Advance APR
21.24%
ranks #524 out of 1002 cards.
Average is 18.74%.

Rewards Rankings

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Annual Fee
$95
ranks #1743 out of 1773 cards.
Average is $9.
Base Reward Rate
1%
ranks #69 out of 963 cards.
Average is 0.99%.
Effective Reward Rate
1%
ranks #187 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
$200
ranks #33 out of 1762 cards.
Average is $33.
Credit Card Review: Gold Delta SkyMiles®Business Credit Card from American Express OPEN


Author:
NERDBOT

Get an unbiased review of the Gold Delta SkyMiles®Business Credit Card from American Express OPEN from the nerds who know finance! We'll give you our take on the perks and drawbacks of this card and tell you how it stacks up against the Ink Cash℠ Business. (Want to check your credit score first? Ask the nerds!)

NerdWallet Review: The Gold Delta SkyMiles®Business Credit Card from American Express OPEN

No spending threshold for bonus: You'll get your bonus right away, instead of having to spend a certain amount. This is ideal for those looking to take take some free money and run.

Annual fee: The Gold Delta SkyMiles®Business Credit Card from American Express OPEN does come with an annual fee. Many people reject cards with fees out-of-hand, but that's not always the best strategy. Many rewards cards, for example, give better payouts in exchange for an annual fee, so if you spend a lot, it's worth it. Credit cards for bad credit will often carry annual fees as well, and are pretty much a necessary evil if you're looking to build credit.

Credit Card Showdown: Gold Delta SkyMiles®Business Credit Card from American Express OPEN vs. Ink Cash℠ Business

Larger cash advance interest rate: The card's cash advance APR is higher than the Ink Cash℠ Business's. If you withdraw cash from a teller at a bank or from an ATM, you'll pay more. Keep in mind too that cash advances start accruing interest that very day, so the difference in interest rates gets worse if you wait to pay it back.

Bigger signup bonus: The Gold Delta SkyMiles®Business Credit Card from American Express OPEN has a bigger signup bonus than the Ink Cash℠ Business. While there are of course other factors to look at, there's nothing wrong with getting psyched about a big signup bonus.

No promotional APR: The card doesn't have an introductory APR promotion. This puts it at a disadvantage for business owners looking to furnish a new office, or otherwise make a big purchase they'll need time to pay down.

Lower late fee: It comes with a lower late payment fee, which you incur if you can't make a payment or don't make the minimum. No one's late on purpose, but in case it happens, it's nice to know these guys won't slam you with fees.

Read the full review of the Ink Cash℠ Business on our blog

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