The Bottom Line: If you’re a Delta flyer, you could save money with this card, even after the annual fee. But also look at general travel cards, especially if you don't fly solely with Delta.
Waived first year
17.99% - 26.99% Variable APR
recommended credit score
Quick FactsView rates and fees
Waived first year
- Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
- Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
- Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Pros & Cons
No foreign transaction fee
Has annual fee
Alternate Pick: Fancy option
The Business Platinum® Card from American Express
Luxury travel, with points that transfer to Delta
This card earns 5 points on flights and prepaid hotels booked through the American Express Travel website; 1.5 points per dollar on individual purchases of $5,000 or more; and 1 point per dollar spent on everything else. Terms apply. Annual fee: $595.Read our review
The Gold Delta SkyMiles® Business Credit Card from American Express can be an asset to business owners who are also loyal Delta flyers, with perks that help offset its annual fee.
Spending rewards are lackluster, but the card is practical. It helps with common business-travel hassles while flying Delta — especially dealing with luggage, whether you check your bag or carry on.
If you don’t need a business credit card, the personal version of a similar Delta Air Lines card may also work for you.
Gold Delta SkyMiles® Business Credit Card from American Express: Basics and benefits
Card type: Small business
Introductory annual fee: $0 for the first year, then $95.
Welcome bonus: Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months. Terms Apply.
Rewards: Earn 2 miles per dollar spent directly with Delta and 1 mile per dollar spent on all other purchases. Terms apply.
Delta SkyMiles are worth an average of 1.4 cents each for domestic travel and 2.7 cents each for international flights, according to NerdWallet valuations.
Foreign transaction fee: None.
APR: The ongoing APR is 17.99% - 26.99% Variable APR.
First checked bag free for you and up to eight others on your reservation.
Priority boarding for you and up to eight others on your reservation.
Highlights of the Gold Delta SkyMiles® Business Credit Card from American Express
Free checked bags
The checked-bag benefit is especially generous with this card. You’ll get a first checked bag free for you and up to eight others on your reservation. Terms apply. You might rarely have that many traveling companions, but fully used, that’s a savings of up to $540 on a round-trip flight ($30 per person each way). You would break even on the annual fee with just a few traveling partners, assuming you would have otherwise paid to check bags.
If you don’t typically check bags, then priority boarding that comes with the card will get you on the plane earlier — in this case, Main Cabin 1 Priority Boarding. Terms apply. That means you’re more likely to find overhead bin space for your roll-aboard. Some flyers like to board earlier to get settled in their seat before the cabin fills. Either way, priority boarding can be a welcome perk.
» MORE: NerdWallet's best airline cards
New-cardholder bonuses can change periodically, but the card typically gives you enough miles to snag a domestic award flight, assuming you can meet the required spending. The current bonus: Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months. Terms Apply.
Note that if you've had this American Express credit card in the past, you’re unlikely to qualify for the bonus. And you might be rejected for the bonus because of other account history with American Express.
The Gold Delta SkyMiles® Business Credit Card from American Express is decidedly unflashy, but it comes with a few other notable perks:
In-flight discount. Get 20% savings in the form of a statement credit on such purchases as food, alcoholic beverages and audio headsets onboard. Note that in-flight wireless Internet access does not count.
Airport lounge discount. Get into Delta Sky Clubs for a per-visit rate of $29 per person. Delta no longer sells single-visit passes to regular flyers, but for reference, they used to cost $59 per person.
No foreign transaction fees. Good travel cards generally don’t charge this fee — 3% is common — for making purchases abroad. This Delta card doesn’t, either. However, this card operates on the American Express network, which isn’t as widely accepted abroad as, say, Visa and Mastercard.
Drawbacks of the Gold Delta SkyMiles® Business Credit Card from American Express
The introductory annual fee of $0 for the first year, then $95, is typical for this type of business airline card. Terms apply. But be sure you can extract more value from the card than you’re paying to hold it.
If your goal is to earn flights or upgrades to a premium cabin for business trips, additional miles from credit card purchases are one way to accomplish that. But Delta has fallen behind its main competitors in expanding the types of spending that earn double miles.
With this card you earn 2 miles per dollar spent on eligible purchases made directly with Delta and 1 mile on every eligible dollar spent on other purchases. Terms apply. A competing business credit card from United, for example — the United℠ Explorer Business Card — also offers double miles on purchases at restaurants, gas stations and office supply stores. Those are practical categories for small-business owners.
Typically, the best redemption options for Delta SkyMiles are award flights and seat upgrades on Delta and its SkyTeam partners. That’s limiting compared with general travel business credit cards, which allow you to apply rewards to a wide range of travel-related expenses.
Gold Delta SkyMiles® Business Credit Card from American Express: Alternatives
Perhaps you don't need a business credit card. The similar personal version of the Delta Air Lines card is the Gold Delta SkyMiles® Credit Card from American Express. Welcome bonuses can change often, but because the cards are so similar, you might consider going with one that has a higher bonus. More generally, personal cards offer more consumer protections than do business credit cards.
If you mix your flying with airlines other than Delta, a general travel card might be a better fit. Good choices for small businesses include the Capital One® Spark® Miles for Business.
An option with an annual fee of $0 includes the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
Is the Gold Delta SkyMiles® Business Credit Card from American Express right for you?
The Gold Delta SkyMiles® Business Credit Card from American Express offers useful rewards and perks for Delta business flyers that can quickly make up for the annual fee. But the card is lackluster for routine business spending. So if you don’t value the free checked bags and priority boarding — and aren't an avid collector of SkyMiles — you might be better off with a general travel card.
To view rates and fees of the Gold Delta SkyMiles® Business Credit Card from American Express, please visit this page.
To view rates and fees of the Gold Delta SkyMiles® Credit Card from American Express, please visit this page.
To view rates and fees of The Business Platinum® Card from American Express, please visit this page.
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