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Is the Delta SkyMiles Gold Business American Express Card Worth Its Annual Fee?

Feb. 6, 2020
Airline Credit Cards, Travel, Travel Credit Cards
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Back in September, we reported on the relaunch of — and changes to — all Delta AmEx credit cards, including the Delta SkyMiles® Gold Business American Express Card. The time for change has come. Read on to find our breakdown of whether or not the Delta SkyMiles® Gold Business American Express Card is worth the annual fee.

» Learn more: Gold Delta SkyMiles Business review: Decent perks and rewards

How much is the annual fee?

The annual fee of the Delta SkyMiles® Gold Business American Express Card is now $0 intro for the first year, then $99. This represents an increase from $95, which is similar to most airline credit cards. Terms apply.

Do you plan to fly with checked bags?

One perk of the Delta SkyMiles® Gold Business American Express Card that can have a serious impact on your bottom line is the free checked bag benefit. Cardholders receive the first checked bag free, which can save upward of $60 round-trip. This means you only need to fly round-trip on Delta twice a year to offset the annual fee.

And to sweeten the deal, up to eight additional passengers traveling on the cardholder’s reservation qualify for this benefit. Terms apply.

The welcome offer

Here’s the current welcome offer for new cardmembers of the Delta SkyMiles® Gold Business American Express Card: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months. Terms Apply.

In addition, cardholders who make a Delta purchase with their Delta SkyMiles® Gold Business American Express Card in the first three months will also receive a complimentary $50 statement credit added to their Delta account. Terms apply.

Additional card perks

The Delta SkyMiles® Gold Business American Express Card has several additional benefits to consider when deciding whether the annual fee is worth it:

Add employee cards at no cost

You can add additional employee credit cards for free. Many business cardholders like this perk because it creates more ways to earn points or miles.

American Express® Business App access

The Delta SkyMiles® Gold Business American Express Card offers complimentary access to the American Express® Business App, which allows users to oversee business card transactions and expenses directly from a smartphone. Users can add receipts, save notes, manage transaction categories and create expense reports, all within the app.

Simplify paying vendors with Bill.com

Vendors can be paid automatically when you enroll your Delta SkyMiles® Gold Business American Express Card in payment management through a special partnership with Bill.com. This perk is free for the first user.

General perks for all cardholders

Beyond business-centric perks, the Delta SkyMiles® Gold Business American Express Card also offers the following:

  • Priority boarding. Cardholders and up to eight travel companions on the same reservation can join the other happy flyers in the Main Cabin 1 boarding group.
  • Discounts on in-flight purchases. In-flight food, drink and audio headset purchases onboard will earn you a 20% statement credit with this card. Just remember to pay with your Delta SkyMiles® Gold Business American Express Card.
  • No foreign transaction fees. Buh-bye, unexpected expenses from your credit card while traveling overseas. Terms apply.

» Learn more: NerdWallet’s best cards with no foreign transaction fees

How to earn points on the Delta SkyMiles® Gold Business American Express Card

You can rack up Delta miles quickly when you use your Delta SkyMiles® Gold Business American Express Card to earn 2X miles on direct Delta purchases, as well as spending on U.S. shipping and advertising and at restaurants. All other purchases earn 1 mile per $1 spent. Terms apply.

The bottom line

With as many as 5,500 daily flights to more than 300 destinations in over 50 countries, Delta can make a great airline choice for many travelers. This extensive flight network (which doesn’t even include its expanded partner route network) makes a compelling reason to earn Delta SkyMiles through the Delta SkyMiles® Gold Business American Express Card if you find yourself flying often.

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:

Planning a trip? Check out these articles for more inspiration and advice:
Find the best airline credit card for you
Which Delta Air Lines credit card should you get?
Delta Air Lines SkyMiles program: The complete guide

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