2021 Review: Delta SkyMiles Gold Business American Express Card — Best for Delta?

Rewards
Balance transfers
Fees

How to Transfer a Balance on a Credit Card

Spending Rewards
2X SkyMiles per eligible dollar for: Purchases made directly with Delta Air Lines U.S. Shipping U.S. Advertising in select media Restaurants
1X SkyMile per dollar on other eligible purchases

Introductory Bonus
70,000 bonus miles and a $50 statement credit for spending $2,000 in the first 3 months (offer expires 11/20/2021)

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APRN/A
Regular Balance Transfer APRN/A
Balance Transfer FeeN/A

Fees

Penalty APR29.24% Variable
Late FeeUp to $39
Returned Payment Fee$39
Additional Cards Annual FeeN/A
Foreign Transaction FeeNone

The information related to Delta SkyMiles® Gold Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Our Rating: 4 Out of 5 Stars

We’re scoring the Delta SkyMiles Gold Business credit card at 4 out of 5 Stars. With solid rewards, good benefits, and a relatively low annual fee (that’s waived for a year), there’s not too much to complain about.

Why We Like It

Diverse 2X reward categories earn on purchases made directly with Delta, plus several other common business expenses
SkyMiles are worth a fairly good 1–1.5 cents when redeemed, typically
Great introductory bonus offer: 70,000 bonus miles and a $50 statement credit for spending $2,000 in the first 3 months (offer expires 11/20/2021)
SkyMiles can be redeemed for flights with Delta or its SkyTeam partners, and they never expire
First checked bag free and Main Cabin 1 priority boarding benefits cover the cardholder and up to eight others on eligible itineraries
20% back on in-flight purchases like food, drinks, and headsets (excludes WiFi)
Includes several useful protections, like baggage insurance, car rental coverage, extended warranty, and purchase protection
No foreign transaction fee (Rates & Fees)
Annual fee is waived the first year

Why It Could Be Better

Annual fee: $0 introductory annual fee for the first year, then $99
Benefits don’t really stand out for this fee tier
American Express network acceptance is limited compared to Visa and Mastercard, which could be a burden for international travelers

Insider Advice: Getting the Most Out of Your Card

Fly Delta: Book Delta flights with your Gold Business card, and you’ll get 7X SkyMiles per dollar — 2X from the card, 5X for being a general SkyMiles member.
Fly comfortably: When you book, use the SkyMiles number associated with your credit card to get Main Cabin 1 priority boarding and free first checked bags for you and up to eight passengers on your itinerary.
Sell yourself: Looking to spread your business’ message? The Gold card’s advertising category covers online, television, and radio media, allowing you to earn rewards with an ad plan tailored to your business.
Buy shipping: If you work with physical products, take advantage of the shipping category. Just know that it only covers U.S. shipping purchases made with courier, postal, and freight shippers, and not shipping costs tacked on to retail purchases.
Eat out: Planning a tasty tête-à-tête with your second-in-command, or looking to meet with a client over a meal? Swipe your SkyMiles Gold Business at the restaurant to earn 2X SkyMiles.
Score the welcome bonus: Reach the spending threshold for the welcome offer, and you’ll score a sizable pile of SkyMiles. You’ll get another bonus (this time with no spending threshold) after your first year as a cardholder, too.
Spend $10,000 annually: For an individual, $10,000 might be a lot to spend on one credit card in a year. For some businesses, that’s pocket change — and if you spend that much in a calendar year, you get a $100 Delta flight voucher.

The Rewards

The Delta SkyMiles Gold Business offers a pretty straightforward reward structure.

You’re typically getting a 2%–3% cash back equivalent in the card’s non-Delta 2X categories, assuming a value of 1 to 1.5 cents per SkyMile.

If you’re using your Gold card to book Delta flights or make other Delta purchases, however, you’ll also get at least 5X SkyMiles per dollar just for being a SkyMiles member, upping the potential cash back equivalent to 7%–10% or more.

Earning

Spending Rewards
2X SkyMiles per eligible dollar spent for: Purchases made directly with Delta Air Lines U.S. Shipping U.S. Advertising in select media Restaurants
1X SkyMile per dollar spent on all other purchases

Introductory Bonus Offer
70,000 bonus miles and a $50 statement credit for spending $2,000 in the first 3 months (offer expires 11/20/2021)

If you’re contemplating a co-branded Delta credit card, then you shouldn’t have much trouble taking advantage of the Delta spending category. Book flights on the Delta website, and you’ll get 2X SkyMiles per dollar from the card and 5X SkyMiles from your basic SkyMiles membership status (members at higher Medallion tiers earn more miles per dollar).

There are some fairly specific restrictions to keep in mind for the other categories. Take U.S. advertising for example — purchases must involve online, television, and/or radio advertising. Direct mail services, like lead and list generation, are excluded.

As for the U.S. shipping category, you’ll only earn miles with U.S.-based courier, postal, and freight shippers. That does not include shipping charges associated with retail orders, or for moving services.

The restaurant category works pretty much as you’d expect, so you shouldn’t have much trouble there. Eat with clients or coworkers, and use your Delta card to earn SkyMiles. Easy.

In addition to the card’s typical reward structure, the Gold Business serves up an appetizing welcome bonus that can offset the card’s annual fee for several years if you can get it without carrying a balance and incurring interest charges.

The Delta SkyMiles Gold Business American Express Card has a $0 introductory annual fee for the first year, then $99.

Redeeming

Delta gives you quite a few redemption options. You can’t transfer miles, but you can redeem with a variety of SkyTeam partner airlines. That’s fairly normal for a co-branded airline card. Pick a general business travel card if you’d prefer to have a point transfer option.

You’ll generally get the best redemption value if you redeem your Delta SkyMiles for flights, rather than the other options we’ll list below. No surprise, seeing as Delta’s an airline.

When you redeem SkyMiles for flights, you’ll typically receive a value of between 1–1.5 cents per mile, and sometimes even more, depending on the specifics of the flight (class, route, time, etc.). That’s not too bad, about standard for airline miles.

Redeeming for Airfare

You can redeem your SkyMiles for flights with both Delta and its partners on the Delta website. They make it easy, allowing you to view prices in either miles or cash, so you can weigh your options to find the best value.

There are a few other booking options, too: Miles + Cash and Pay With Miles. Both are fairly similar, and we don’t recommend either option over typical mile bookings.

Quick Guide

Miles + Cash vs. Pay with Miles

Though similar in name, Miles + Cash and Pay with Miles work a bit differently.

For Miles + Cash, Delta uses a cash surcharge to lower the flight’s mile price.

Pay with Miles allows you to book airfare with miles (but only in 5,000-mile increments) and then cover the rest with cash.

Something to keep in mind is that Miles + Cash flights are considered award tickets, while tickets purchased via Pay with Miles are not. That means you’ll earn rewards on the cash portion of a Pay with Miles ticket, but not for Miles + Cash.

Let’s look at a few examples of standard flight redemptions.

Here, we have a round-trip itinerary from New York (JFK) to Austin and back, showing the cash and miles prices. It’s a Basic Economy ticket.

You’re getting a value of roughly 1.23 cents per mile, and that’s without factoring the cash fee into the mix. That’s not that great for an airline card, but it could be worse.

A markedly different ticket, here’s a Main Cabin itinerary from Los Angeles to Mexico City.

The per-mile value jumps up a bit here, rising to about 1.56 cents per mile. But with a trip like this, the cash fee you’re required to pay is much higher. Factor it in, and you’re only getting 1.21 cents per mile. Very close to the example above.

We’ve listed a few more examples below, just so you have a good idea of what you’re in for as a Delta cardholder. Keep in mind that you’ll have to pay a cash fee for every award ticket, and we haven’t included that in our value calculations. That fee can vary, and is typically much higher for flights that leave the United States.

Round Trip Route	Class	Cash Price	Miles Price	Value Per Mile
CVG to PHL	Basic Economy	$286.60	26,000 + $11.20	1.1 cents
JFK to LAS	Main Cabin	$686.60	57,000 + $11.20	1.2 cents
SEA to YVR	Comfort+	$361.65	29,000 + $51.85	1.25 cents
JFK to AUS	First	$718.40	53,000 + $11.20	1.35 cents

Other Redemption Options

Aside from flights, SkyMiles can be redeemed for:

Delta Vacations
SkyMiles Experiences
SkyClub access
Airline-related fees, including ticket change fees, award ticket redeposit fees, Same-Day Confirmed fees, and external ticket charges
Delta gift cards
Charitable donations
Magazine subscriptions

We recommend you mostly avoid these options, because you’ll nearly always get a better value by redeeming miles for airfare.

Quick Guide

Alternative Redemption Options

Though we don't recommend redeeming for anything other than flights, you may still want an idea of the value you'll get with some of these alternatives.

Delta gift card redemptions are a great first example. They'll typically give you 0.9 cents per mile at best, and that’s only if you redeem for a $1,000 gift card. The smaller the gift card, the lower the redemption value.

Redeeming for Delta Sky Club access is a marginally better deal, offering a flat 1 cent per mile. Swap 84,500 miles for a one-year Executive Membership (normally $845) or 54,500 for a one-year Individual Membership (normally $545).

However, if airport lounge access means that much to you, you’re probably better off just applying for the Delta SkyMiles Reserve Business, which gets you into Delta Sky Club and Centurion Lounges for free.

The Benefits

You’re not getting anything out of the ordinary when it comes to Gold’s credit card benefits, but some of these perks can be pretty useful. They include:

First checked bag free: Book flights using the SkyMiles number associated with your credit card, and Delta will waive the price of your first checked bag (usually $25). This perk applies to up to eight other passengers on the same itinerary.
Main Cabin 1 priority boarding: Board earlier (along with up to eight passengers on your itinerary, once again) when you book airfare with your SkyMiles number.
20% back on in-flight purchases: Get a 20% discount, in the form of a statement credit, on in-flight Delta purchases like food, drinks, and headsets (excluding WiFi).
$100 Delta flight credit: After spending $10,000 in a calendar year with your Gold card, you’ll get a $100 credit good for Delta flight and vacation package reservations.
Baggage Insurance Plan: Purchase the entire fare for any common carrier ticket (that includes tickets for travel by plane, train, ship, or bus) and get coverage for carry-on bags and checked luggage.
Car Rental Loss and Damage Insurance: Pay for an eligible rental car with your Gold card and decline the collision damage waiver provided by the rental agency for coverage.

Enrollment required for select benefits; terms and limitations apply.

The Terms & Fees

Purchase APR	Balance Transfer APR	Cash Advance APR
15.74% - 24.74% Variable	None	25.24% Variable

Annual Fee	Foreign Transaction Fee
$0 introductory annual fee for the first year, then $99	None

Balance Transfer Fee	Cash Advance Fee
None	Either $5 or 3% of the amount of each cash advance, whichever is greater

Penalty APR	Late Fee	Returned Payment Fee
29.24% Variable	Up to $39	$39

Delta SkyMiles® Gold Business American Express Card (Rates & Fees)

The SkyMiles Gold card’s annual fee is waived the first year, which can be very useful. That gives you a chance to evaluate just how well the card actually fits your spending habits.

Plus, like many great travel rewards cards, the SkyMiles Gold Business charges no foreign transaction fee. The catch? Because it’s an American Express card, its acceptance will probably be limited abroad anyway.

Read more Best Business Credit Cards With No Foreign Transaction Fees

The Bottom Line

Love flying Delta? Love scoring rewards on flight purchases and common business expenses? It’s tough to go wrong with the Delta SkyMiles® Gold Business American Express Card. Perfectly suited for Delta enthusiasts, the card packs enough into its reward structure and benefits package to justify its annual fee, but only if you’re flying Delta (or its partners) frequently.

It’s not the flashiest business travel rewards card in the industry by any means, but if you’re not keen on a card with a several-hundred-dollar annual fee, the SkyMiles Gold Business is worth your consideration.

How to Apply for the Delta SkyMiles Gold Business American Express Card

You can apply for the Delta SkyMiles Gold Business by clicking the “Apply Now” button below. Then, fill out and submit the application, which requires both personal and business information. American Express will conduct a hard inquiry, and will likely let you know whether you’re approved or denied immediately.

In some cases you may have to wait while Amex evaluates your application, or you may be asked for more information before a decision can be made.

What Credit Scores Do You Need for the Delta SkyMiles Gold Business American Express Card?

The Delta SkyMiles Gold Business card is geared toward cardholders with good personal credit. That’s a score of at least 670 with FICO, and 700 or higher for VantageScore.

Credit scores that meet (or exceed) these standards won’t guarantee approval, however. Each decision incorporates a variety of additional information, like your income, and you may be denied if you don’t quite meet the credit card issuer’s requirements.

Qualifications and Requirements

Must be 18 to apply
Business information: Legal business name, business name on card, business address, business phone number, industry, company structure, years in business, employee count, annual business revenue, federal tax ID, role in company
Personal information: Name, date of birth, Social Security number
Address and contact information: Email address, home address, home phone number
Financial information: Total annual income, non-taxable annual income
Delta SkyMiles number (if you already have one)

Delta SkyMiles® Gold Business American Express Card

Our rating:

Rewards
Balance transfers
Fees

How to Transfer a Balance on a Credit Card

Spending Rewards
2X SkyMiles per eligible dollar for: Purchases made directly with Delta Air Lines U.S. Shipping U.S. Advertising in select media Restaurants
1X SkyMile per dollar on other eligible purchases

Introductory Bonus
70,000 bonus miles and a $50 statement credit for spending $2,000 in the first 3 months (offer expires 11/20/2021)

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APRN/A
Regular Balance Transfer APRN/A
Balance Transfer FeeN/A

Fees

Penalty APR29.24% Variable
Late FeeUp to $39
Returned Payment Fee$39
Additional Cards Annual FeeN/A
Foreign Transaction FeeNone

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Alternatives to the Delta SkyMiles Gold Business American Express Card

While the SkyMiles Gold Business is a good credit card for its target audience, it may not be an exact fit for your business. We’ll discuss a few high-quality alternatives here, including other options for Delta devotees, and more generally focused travel cards that nonetheless allow you to redeem points for flights.

Delta SkyMiles® Platinum Business American Express Card

Our rating:

Why We Picked It
Rewards
Key Features

The Delta SkyMiles® Platinum Business American Express Card (Review) is a higher-end sibling of the SkyMiles Gold Business. It’s pretty simple — you pay a higher annual fee, and you get different rewards and enhanced benefits.

This is another card that’s only for Delta die-hards. If that sounds like you, the Platinum Business is a powerful contender.

Spending Rewards
3X SkyMiles per dollar for: Eligible purchases made directly with Delta Eligible purchases made directly with Hotels
1.5X SkyMiles per dollar for single eligible purchases of $5,000 or more, up to 50,000 miles per year
1X SkyMile per dollar for other eligible purchases

Introductory Bonus
90,000 bonus miles, 10,000 MQMs, and a $100 statement credit for spending $3,000 in the first 3 months (offer expires 11/20/2021)

This card’s reward structure is surprisingly different from the Gold’s. Instead of earning SkyMiles in various business-focused categories, the Platinum ramps up your earnings with Delta, and then adds 3X per dollar at hotels. It’s a more traditional travel rewards card in this respect.

Annual Companion Certificate: A certificate for a domestic, round-trip Main Cabin flight upon card renewal
Global Entry or TSA PreCheck fee credit: A statement credit for the application fee of Global Entry ($100 every four years) or TSA PreCheck ($85 once every four-and-a-half years)
First checked bag free: Covers you and up to eight traveling companions on Delta flights
Main Cabin 1 priority boarding: Board earlier alongside up to eight travel companions.
Delta Sky Club access: Visit Delta Sky Club airport lounges with up to two travel companions at an exclusive rate of $39 per person.
20% discount on in-flight purchases: 20% off purchases like food, beverages, movies, and audio headsets in the form of a statement credit (on Delta flights)
Status Boost: Earn 10,000 MQMs for every $25,000 in eligible purchases, up to twice annually.
Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Extended Warranty, Purchase Protection
No foreign transaction fee
Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Platinum Business American Express Card (Rates & Fees)

The information related to Delta SkyMiles® Platinum Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Delta SkyMiles® Reserve Business American Express Card

Our rating:

Why We Picked It
Rewards
Key Features

Rounding out Delta’s selection of business credit cards, the Delta SkyMiles® Reserve Business American Express Card (Review) flaunts a somewhat stripped-down reward structure in exchange for a healthy batch of premium benefits, including airport lounge access.

It’s expensive, but if you spend a ton of time in airports, it could easily be worth it.

Spending Rewards
3X SkyMiles per dollar for eligible purchases made directly with Delta Air Lines
1.5X SkyMiles per dollar on other eligible purchases for the rest of the year after spending $150,000 in a calendar year
1X SkyMile per dollar on other eligible purchases

Introductory Bonus
80,000 bonus miles, 20,000 MQMs, and a $200 statement credit for spending $5,000 in the first 3 months (offer expires 11/10/2021)

The Reserve carries over the Platinum’s 3X reward rate on direct Delta purchases, but that’s the only bonus category. Otherwise, the only time you’ll get more than 1X SkyMile per dollar is if you spend $150,000 in a calendar year. After you reach that $150K threshold, you’ll get 1.5X SkyMiles per dollar on everything (aside from Delta purchases) until that year ends.

Delta Sky Club and Centurion Lounge access: Get complimentary access to Delta Sky Clubs, with up to two guests at $39 each, plus complimentary access to Centurion Lounges, with up to two guests at $50 each. Includes two free Delta Sky Club one-time guest passes.
Annual Companion Certificate: A certificate for a Domestic First Class, Delta Comfort+, or Main Cabin round-trip flight
Status Boost: Earn 15,000 MQMs for spending $30,000, up to four times per calendar year.
First checked bag free on Delta flights: For you and up to eight traveling companions
Priority Boarding on Delta flights: Get on the plane more quickly with Main Cabin 1 priority boarding.
Complimentary upgrades: If you don’t have Medallion status you can still get some upgrades for free.
20% in-flight discount on Delta flights: A 20% discount on eligible in-flight purchases, like food, beverages, movies, and audio headsets
Global Entry or TSA PreCheck fee credit: Get a statement credit that covers the application fee for Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years)
No foreign transaction fee
Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)

The information related to Delta SkyMiles® Reserve Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Ink Business Preferred® Credit Card

Our rating:

Apply Now

securely on the issuer's website

Highlights
Why We Picked It
Rewards
Key Features

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

If you’re looking for a business credit card with excellent rewards and solid benefits that won’t cost you hundreds of dollars annually, the Ink Business Preferred® Credit Card (Review) is about as good as it gets.

There’s an annual fee, but what you get for the price is good enough that it’s basically a non-issue. The card’s key downfall is the $150,000 annual spending limit on its 3X categories.

Spending Rewards
5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
3X Ultimate Rewards points per dollar on up to $150,000 spent per year for: Travel Shipping purchases Internet, cable, and phone services Advertising purchases made with social media sites and search engines
1X Ultimate Rewards point per dollar on all other purchases

Introductory Bonus Offer
100,000 bonus points for spending $15,000 in the first 3 months after account opening

It’s likely no surprise why the Ink Business Preferred is such a hit with small business owners. The 3X category is impressively diverse, covering a plethora of purchases considered essential by businesses around the world.

The card’s $150,000 spending limit isn’t awful, either — certainly a step up from the $50,000-ish limits you see with most no annual fee business cards.

Redemption bonus: Points are worth 25% more when redeeming for travel expenses through Chase Ultimate Rewards.
Point transfer: Transfer points at a 1:1 rate to a variety of airline and hotel loyalty programs, including British Airways, United, Marriott Bonvoy, and Hyatt.
Cell phone protection: Pay your monthly cell phone bill with your Ink Business Preferred for coverage against theft and damage, up to $600 per claim with a $100 deductible.
Shopping and travel protections: Other insurance perks include purchase protection, extended warranty protection, trip cancellation/trip interruption insurance, auto rental collision damage waivers, and more.
Annual fee: 95

American Express® Business Gold Card

Our rating:

Why We Picked It
Rewards
Key Features

The American Express® Business Gold Card (Review) looks a bit like the Ink Business Preferred at first glance. Its spending categories are similar, and those categories even feature the same $150,000 combined annual spending limit.

With that said, there are several important differences. The Amex Gold’s annual fee is much higher, for example, and its reward structure works differently.

Last, but certainly not least, the Gold is naturally part of the American Express Membership Rewards program rather than Chase Ultimate Rewards. Partner loyalty programs differ, and your most valuable redemption options may vary between each program, though both types of points tend to lean toward the more valuable side.

Spending Rewards
4X Membership Rewards points per dollar in the two categories with the highest spend per billing cycle (up to $150,000 in combined purchases per year, then 1X): Airfare purchased directly from airlines U.S. advertising purchases: online, TV, radio U.S. providers of computer hardware, software, and cloud solutions U.S. gas stations U.S. restaurants U.S. shipping
2X Membership Rewards points per dollar for eligible purchases from Amex Travel
1X Membership Rewards point per dollar for other eligible purchases

Introductory Bonus
70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership

The Business Gold tailors itself to your spending habits. Wherever you spend the most out of the above categories is where you earn 4X points.