Delta SkyMiles® Gold American Express Card

Why consider it: For Delta trips where the first checked bag and priority boarding can offset repeat airport costs.

Trade-off: Baggage benefits have reservation conditions; this tier does not provide a Sky Club membership. Benefits you actually use must justify the annual fee.

Annual feeNo annual fee the first year
$0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,210Annual fee rebated$150Total$1,360Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,360
Welcome offer+ $250 statement creditEarn up to 80,000 bonus miles and a $250 statement credit after $3,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
Up to 80,000 points
Ends Nov 4, 2026
Apply Now

on American Express's website

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
—
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn up to 80,000 bonus miles and a $250 statement credit after $3,000 in eligible purchases in the first 6 months. Amex discloses your exact eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150.
  • Delta SkyMiles Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • No Foreign Transaction Fees.
  • With Send & Split, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Read full review
Rewards
Rate
Groceries
2x
Restaurants
2x
Delta flights
2x
Benefits
Annual credit
Included
Travel insurance
Coverage
Lost Baggage
$1,250
Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
Auto Rental Collision (secondary)
$50,000 · 30 days
Read full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 80,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Fewer premium perks

Maximize Your Delta Travel Benefits with the SkyMiles® Gold American Express Card

  • As high as 80,000 bonus miles after $3,000 in eligible purchases in the first 6 months, plus a $250 statement credit after the same spending requirement. Amex discloses your eligible miles after application and before acceptance; you may not qualify for the maximum. Offer ends November 4, 2026.
  • 2× miles on Delta purchases, at restaurants worldwide and U.S. supermarkets
  • 1× mile on all other eligible purchases
  • $0 intro annual fee for the first year, then $150
  • No foreign transaction fees
  • First checked bag free for you and up to 8 companions on Delta flights
  • Priority boarding with Zone 5 access
  • 20% savings on in‑flight food, beverages and audio headsets
  • $200 Delta flight credit after $10,000 in card spend per year
  • $100 annual Delta Stays credit for prepaid hotel stays or vacation rentals
  • 15% miles back on Award Travel booked through delta.com or the Fly Delta app

This card delivers powerful perks for Delta flyers—from generous sign‑up miles and annual credits to standout baggage and boarding privileges. Whether you’re checking multiple bags, dining in the sky or booking award travel, you’ll enjoy seamless rewards and travel savings in every corner of the Delta network. Manage your account in the AmEx app and make every trip more rewarding.

Read full review
Delta SkyMiles® Gold Business Card

Why consider it: Business card. For Delta business travel where checked-bag savings and priority boarding are used repeatedly.

Trade-off: Check eligible reservations and business purchases; this card is not a substitute for lounge membership. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual feeNo annual fee the first year
$0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,080Annual fee rebated$150Total$1,230Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,230
Welcome offerAfter $6,000 in 6 months
90,000 points
Ends Nov 4, 2026
Apply Now

on American Express's website

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
—
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
  • $0 introductory annual fee for the first year, then $150
  • Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
  • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • Earn 1 Mile on every eligible dollar spent on other purchases.
  • Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
  • Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.
Read full review
Rewards
Rate
Restaurants
2x
Delta flights
2x
Benefits
Annual credit
Included
Travel insurance
Coverage
Lost Baggage
$1,250
Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
Auto Rental Collision (secondary)
$50,000 · 30 days
Read full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 90,000 points
  • 2x at restaurants

Cons

  • Fewer premium perks

Maximize Your Delta Business Travel with the SkyMiles® Gold Business American Express® Card

  • 90,000 bonus miles after $6,000 in purchases within your first 6 months (limited-time offer, ends 11/4/26)
  • 2X miles on Delta purchases, U.S. shipping & advertising (up to $50,000 per year) and at restaurants
  • 1X mile on all other eligible purchases
  • First checked bag free for you and up to eight companions on Delta flights
  • $200 annual Delta flight credit after $10,000 in spend per calendar year
  • Add employee cards at no extra cost to earn more miles
  • Complimentary AmEx® Business App for expense tracking and reporting
  • No foreign transaction fees
  • $0 intro annual fee first year, then $150

Whether you’re booking client travel or rewarding top performers, this card turns everyday business expenses into valuable SkyMiles. Enjoy seamless booking, automatic baggage waivers and powerful digital tools that streamline expense management—all while accelerating your path to elite status and award flights.

Terms apply. See issuer for details.

Read full review
Citi® / AAdvantage Business™ World Elite Mastercard®

Why consider it: Business card. For American Airlines business travel that uses checked-bag and boarding benefits while earning AAdvantage miles.

Trade-off: Business rewards and employee-card terms need checking; baggage benefits remain subject to itinerary restrictions. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual feeNo annual fee the first year
$0 $99
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$942Annual fee rebated$99Total$1,042Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,042
Welcome offerAfter $4,000 in 4 months
65,000 miles
Apply Now

on Citibank's website

Features
Issuer
Citibank
Network
Program
AAdvantage
Fees and terms
Annual Fee
$99/yr
Min. annual income
—

Issuer terms

  • Designed for businesses
  • For a limited time, earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • No Foreign Transaction Fees
Read full review
Rewards
Rate
Gas
2x
Telecom
2x
Read full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 65,000 miles

Cons

  • Fewer premium perks

Maximize Business Travel with the Citi® / AAdvantage® Business Credit Card

Limited-Time Offer: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening!

The Citi® / AAdvantage® Business Credit Card is designed for businesses that want to maximize travel rewards and reduce travel costs. With this business-focused card, you’ll enjoy:

  • First checked bag free on domestic American Airlines itineraries
  • 25% savings on American Airlines inflight Wi-Fi
  • Preferred boarding on American Airlines flights
  • No foreign transaction fees for international business…
Read full review

Complete Guide

Credit cards with no annual fee in the first year

Compare US credit cards whose annual fee is waived in the first year. Review the fee charged in subsequent years and the offer conditions.

A first-year fee waiver is temporary. Compare the renewal fee with benefits you expect to use after the introductory period.

3

Cards listed

Oct 2026

Last updated

USD

Currency

Our Methodology

Cards closed to new applicants and code-only offers whose terms cannot be verified are excluded. Only cards matching a category can be curated or sponsored on its page. A configured editorial selection replaces the calculated list. Otherwise, category cards are ordered by monthly selection, then first-year welcome-bonus cash value, then lower annual fees. Unknown values follow known values. Sponsored, exclusive, and featured placements then move first, in that order, with labels identifying them. Position is therefore not a universal quality score. The hub shows the first 5 cards from each list. Interest, eligibility, and your own use can change which card suits you.

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⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which card should I choose from this table?

Start with your spending and eligibility. Read each card’s reason and trade-off, then compare its fees and terms. First position does not guarantee the best fit for your situation.

2How is the order determined?

Cards closed to new applicants and code-only offers whose terms cannot be verified are excluded. Only cards matching a category can be curated or sponsored on its page. A configured editorial selection replaces the calculated list. Otherwise, category cards are ordered by monthly selection, then first-year welcome-bonus cash value, then lower annual fees. Unknown values follow known values. Sponsored, exclusive, and featured placements then move first, in that order, with labels identifying them. Position is therefore not a universal quality score. The hub shows the first 5 cards from each list. Interest, eligibility, and your own use can change which card suits you.

3Are business cards suitable for everyone?

No. They require eligible business activity and may carry a personal guarantee. A large welcome offer does not make a business card suitable for personal spending.

4Where should I verify offers and benefits?

The table and card details read the site’s catalogue. Also check current issuer terms before applying: welcome offers, required spending, and lounge-access rules can change.

5Does a no-fee card guarantee savings?

No. Interest and other charges can outweigh rewards. Compare the full cost and, when possible, pay your statement balance in full.

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