Delta SkyMiles® Gold Business Card

Pros & Cons

Pros

+Welcome Bonus: 60,000 points
+Purchase protection included
+No foreign transaction fees

Cons

–High annual fee ($150/yr)
–No lounge access

Our Review

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

60,000 bonus miles after $4,000 in purchases within your first 6 months
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.

Rewards

All Spending

1x

Delta SkyMiles pts per dollar

Restaurants

2x

Delta SkyMiles pts per dollar

Delta flights

2x

Delta SkyMiles pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries1x

$700/mo

Gas & EV1x

$200/mo

Transit1x

$100/mo

Restaurants2x

$300/mo

Pharmacy1x

$50/mo

Travel1x

$150/mo

Bills & recurring payments1x

$250/mo

Telecom1x

$150/mo

Entertainment & streaming1x

$100/mo

Office supplies1x

$0/mo

All other spending1x

$500/mo

Points Earned

33,600

Delta SkyMiles/yr

Estimated Value

$336

After Fees

+$186

1st Year Value

$786

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts

Gas & EV$2,400/yr × 1x2,400 pts

Transit$1,200/yr × 1x1,200 pts

Restaurants$3,600/yr × 2x7,200 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 1x1,800 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 1x1,200 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year1.12x

Total points earned33,600 pts

Value of points accumulated in the first year≈ $336

Perks & Benefits

Priority Boarding

Included

Luggage credit

Included

Travel Credits

Included

Additional Benefits

Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; the coordination and assistance services are offered at no additional charge, but Card Members are responsible for the costs charged by third-party service providers (Global Assist Hotline Benefit Guide). Employee Cards; Connect to QuickBooks®; Account Manager; Year-End Summary; Online Statements; Vendor Pay by BILL. Travel benefits: First checked bag free on international and domestic Delta flights and second bag free on domestic Delta flights; Zone 5 Priority Boarding; Take 15% off Award Travel booked with miles on delta.com and the Fly Delta app; Pay with Miles; 20% back on eligible Delta in-flight purchases; No Foreign Transaction Fees; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Global Assist® Hotline. Travel credits: $200 Delta Flight Credit after you spend $10,000 in purchases in a year; $150 Delta Stays Credit annually on eligible prepaid Delta Stays bookings on delta.com; $120 Rideshare Credit (up to $10 in statement credits each month on U.S. rideshare purchases with select providers, after your first Card renewal).

Travel Insurance

Lost Baggage

Up to $1,250

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary)

Up to $50,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

Annual Fee
$150
Foreign currency conversion fee
0%

Terms & Conditions

Card Features

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 7/16/25.
$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.