How to Maximize the Delta SkyMiles Gold Business AmEx

The bonus spending categories and Delta perks are key to making the most of this card.

Ramsey QubeinOctober 8, 2020
Make the Most of the Delta SkyMiles Gold Business American Express Card

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

The Delta SkyMiles® Gold Business American Express Card has a modest $0 intro for the first year, then $99 annual fee, which can be earned back in award travel and other perks in no time. You don’t have to own a traditional business to have a business credit card either. Many freelancers find value in them, too. If you’re considering applying for the Delta SkyMiles® Gold Business American Express Card or already carry it, here’s how to get the most out of this card. Terms apply.

Learn how far your SkyMiles can take you

Delta award flights can vary greatly in the number of miles you need to book a ticket. High-demand routes during busy times can require a lot of SkyMiles, while less-busy routes might be a steal. Visit Delta’s website and search for some hypothetical flights you might like to take to get an idea of how far your welcome bonus miles can take you and how many more you’ll need to earn for your next dream trip. The current welcome bonus is: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20. Terms Apply.

Earn double SkyMiles on Delta purchases

With this card, you earn 2 SkyMiles for every dollar you spend with Delta. This includes flights, upgrades, paid seat selection and lounge memberships purchased directly from the airline using your card. Terms apply.

Get double SkyMiles on shipping and advertising

With the Delta SkyMiles® Gold Business American Express Card, you’ll earn 2 miles for every dollar you spend on U.S. purchases for advertising in select media and on U.S. shipping services. American Express defines select media as U.S. providers of online, television and radio advertising. If this is an area where your business spends a lot of money, use this card to get the most rewards out of that spending. Terms apply.

Use the card at restaurants

Dining is also a double-mile category, which could help you when entertaining prospective clients, for example. Of course, you can rack up the bonus miles on personal dining, too. If you spend more money at grocery stores than you do with restaurants, look at the consumer version of this card: The Delta SkyMiles® Gold American Express Card provides double miles at U.S. supermarkets. For all other purchases, you earn 1 SkyMile per dollar spent. Terms apply.

Take advantage of a free checked bag for up to nine travelers

Purchase a Delta flight with this card and you’ll get a free checked bag for yourself and up to eight travel companions on the same reservation. The free bag perk applies even to the most restrictive basic economy tickets. Terms apply.

Because a checked bag normally costs $30 each way, you can more than recoup the annual fee in just two round trips if you’re traveling alone. Travel with companions and you’ll come out ahead even faster.

Board the plane early

If you have Delta Medallion status, you already get complimentary priority boarding. But if you don’t, this card’s priority boarding perk gets you on the plane sooner, meaning you can easily find space for a carry-on bag. Terms apply.

Buy food and drinks in-flight

On the plane, you can purchase drinks and snacks at 20% back when paying with the card. The discount does not appear instantly, but rather as a statement credit around eight to 12 weeks later. Terms apply.

Earn $100 off a Delta flight

Spend more than $10,000 on this credit card within the calendar year and you will receive a $100 voucher that you can apply toward tickets on a Delta flight. Terms apply.

Shop abroad without the fees

When traveling overseas, you can use this card without incurring foreign transaction fees, which otherwise add about 3% of the cost of every purchase. Terms apply.

Say no to insurance at the car rental counter

When you use this card to pay for a rental car and decline to purchase insurance offered by the rental agency, your card comes with loss and damage insurance in the form of a secondary collision damage waiver. Secondary coverage relies on your personal insurance plan first before providing any support. Liability coverage is not included. Terms apply.

Shop with peace of mind

Business owners often buy a lot of big-ticket items like computers, electronics or machinery. This card takes some of the risk out of these purchases by extending product warranties of five years or less by an extra year. Also, if an item you bought with the card is lost, accidentally damaged or stolen, this card’s coverage will pay to repair or replace it up to 90 days from the purchase date. Terms apply.

Worry less about your luggage

If an airline loses your bag, this card will protect your checked luggage for up to $500 and carry-on bags for up to $1,250. When filing a claim, it is important to have a record of what was inside the bag to ensure you are properly compensated. Terms apply.

Get help in a travel emergency

When you travel more than 100 miles from home and need help with an emergency, the Delta SkyMiles® Gold Business American Express Card gives you access to a global help hotline. Available 24/7, the hotline helps with things like medical referrals, lost luggage and advice on how to handle a lost passport or credit card. Terms apply.

The bottom line

The Delta SkyMiles® Gold Business American Express Card is ideal for buying things in bonus categories like dining, shipping and advertising. SkyMiles do not expire, so you can take as long as you need to redeem them. Take advantage of other perks like a free checked bag and $100 travel voucher and you’ll more than make up for the cost of this card. Terms apply.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2020, including those best for:

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.