7 Things You Should Know Before Getting the Delta SkyMiles Gold Business AmEx

June CasagrandeFebruary 5, 2020
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The Delta SkyMiles® Gold Business American Express Card offers a lot of great perks in the tradition of a classic airline co-branded card.

The welcome bonus is pretty substantial: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months. Terms Apply.

You’ll earn 2 SkyMiles per $1 spent on direct Delta SkyMiles purchases, dining, U.S. shipping and advertising purchases. There is also a $100 Delta flight voucher if you spend $10,000 in the first year. Other benefits include a free checked bag and priority boarding. Terms apply.

But, like every other travel rewards card, this one requires some careful consideration before you apply. Here are seven things you should know before getting the Delta SkyMiles® Gold Business American Express Card.

Free checked bags for you and up to eight travel companions

A free checked bag is a great perk, saving a Delta passenger $60 round-trip. But if you travel with family or friends, the savings don’t end there. Cardholders and up to eight travel companions on the same reservation get the first checked bag free of charge. For a large crew traveling together, that can mean a savings of up to $540 round-trip.

No foreign transaction fees

For anyone who travels abroad, a card with no foreign transaction fees is a must-have. Some credit cards charge you around 3% on every purchase made abroad. That can add up fast.

The Delta SkyMiles® Gold Business American Express Card charges no foreign transaction fees, which means more money stays in your pocket. Terms apply.

Year two will be here before you know it

The annual fee on this card is $0 intro for the first year, then $99. Terms apply.

But time flies, and year one will be over before you know it. And because annual fees can eat into the bottom line benefits of a travel rewards card, it’s worth looking ahead to the expenses you’ll incur after the first year.

1 point per $1 in most spending categories

If you don’t spend a lot on Delta flights or the previously mentioned bonus categories, racking up SkyMiles could be slow going with this card. It earns just 1 mile per $1 spent outside of those categories. Terms apply.

If you tend to spend more at grocery stores, gas stations or hotels, there might be cards better suited to your spending. Shop around and compare.

Some merchants don’t accept American Express

The good news is that, in 2018, more than 1.6 million new places began accepting American Express. The bad news is that AmEx feels compelled to broadcast this fact, meaning the company still has to deal with the negative perceptions created by merchants that don’t accept AmEx.

If this will be the only card you get for your company, be aware that it might not be accepted in as many places as Visa or Mastercard.

The Delta SkyMiles® Platinum Business American Express Card might be better for frequent Delta flyers

If you spend a decent amount on Delta tickets every year, compare the Delta SkyMiles® Gold Business American Express Card with its pricier counterpart, the Delta SkyMiles® Platinum Business American Express Card.

With this card, you'd earn 3 miles per $1 spent on hotels and direct Delta purchases. The annual fee is higher at $250, but so is the welcome bonus: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months. Plus, earn a $100 Statement Credit after your first Delta purchase on your new Card in the first 3 months. Terms Apply.

So do the math to estimate which card will work out better based on your future flight purchases.

No chart for flight award redemptions

The number of SkyMiles you need for a flight are based not on a traditional award chart but on a variety of factors, including demand. Those can change with the breeze, but tend to be lower during off-peak travel times and higher on peak travel dates.

Consider when and where you’ll travel, then check redemption rates for some flights you might want to book. That will give you an idea of whether this award pricing method works best for you.

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:

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