Delta SkyMiles Gold Business Credit Card Review

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The Delta SkyMiles Gold Business Credit Card from American Express is the most basic of the small business cards offered by Delta Air Lines. Cardholders can earn frequent flyer miles on more than just airfare, and if they’re on a plane often enough, the travel perks more than make up for the annual fee.

Delta SkyMiles® Gold Business Card

overall rating
3.1
Delta SkyMiles® Gold Business Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.24% - 26.24% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per dollar spent on eligible purchases made directly with Delta, U.S. shipping and advertising purchases, and at restaurants. Earn 1 mile on every eligible dollar spent on other purchases.
Cash Advance APR (%) 26.74%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
Ratings Breakdown
for Interest
1.9
for Fees
1.5
for Rewards
4.8
for Credit
2.2

Current Offer:

Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 10,000 bonus miles after your first anniversary of Card Membership. Offer expires 04/01/2020.

Who Is This Credit Card Best For?

  • Avatar for Entrepreneur Persona
    Is turning their passion into a money-making venture See more cards
    Entrepreneur
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need See more cards
    Savvy Saver
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior

If you’re a regular business traveler who likes Delta, the Delta SkyMiles Gold Business Credit Card may be a worthwhile option, especially if your business budget is heavy on shipping, television or online ads, and dining out with clients—all of which are rewarded with the same double miles as Delta purchases. The card carries a $99 annual fee (though it’s waived the first year), but if you fly Delta at least a couple of times a year, you’ll more than recoup that cost in waived baggage fees. Plus, if you charge at least $10,000 in a calendar year, you’ll qualify for a $100 annual credit toward a Delta flight.

On the other hand, anyone who’s not married to Delta or doesn’t fly enough to worry much about travel perks like priority boarding is likely to find better options. Other small business credit cards have more potential to earn rewards, more redemption flexibility, and bigger sign-up bonuses.

Pros
  • Frequent flyer perks for the entire team

  • Respectable, easy-to-earn welcome offer

  • Flight credit

Cons
  • Nothing extra for gas purchases

  • No airport lounge access

Pros Explained

  • Frequent flyer perks for the entire team: As a cardholder, each time you fly you’ll be able to check one bag for free (Delta otherwise charges $30 per bag, each way) and get priority boarding privileges in the main cabin. Both perks apply to as many as eight travel companions on the same reservation, so you can bring the whole team.
  • Respectable, easy-to-earn welcome offer: While 60,000 miles isn’t the biggest bonus on the market, it’s not bad, and you only have to charge $2,000 in your first three months to qualify for it. That’s just $667 per month of business expenses. Plus, you’ll later get another 10,000 miles just for having the card one full year.
  • Flight credit: If you spend $10,000 on eligible purchases in a calendar year, you’ll earn a $100 credit toward future travel on Delta. That means as long as your monthly business budget is at least $834, you’ll recoup your annual fee. (The flight credit is only valid for Delta airfare purchased directly from Delta, not incidental fees. It expires one year from the date of issuance.)

Cons Explained 

  • Nothing extra for gas purchases: This card has started paying double miles on more than just airline purchases, putting it on par with other airline cards that reward dining out and other business expenses. But gasoline purchases are notably missing from the list. This makes other cards more appealing if you drive frequently during your business travel.
  • No airport lounge access: You used to be able to get into Delta Sky Club airport lounges for $29 per visit with this card, but that perk has gone away. Some travel cards with similar annual fees provide limited lounge access, like two free passes per year.

Delta SkyMiles Gold Business Credit Card Welcome Offer

You’ll earn 60,000 bonus miles if you spend $2,000 on your card within your first three months. Once you renew your card, you’ll get another 10,000 miles for a total bonus of 70,000 miles.

Delta’s miles are worth an average 1.60 cents each when redeemed for flights, according to The Balance’s latest analysis of travel reward values, so we value this bonus at a very respectable $1,120. Viewed another way, 70,000 miles should be enough for a U.S. round-trip flight in economy or first class, depending on routes and travel dates. 

Keep in mind there are bigger sign-up bonuses on competing airline business cards (up to 100,000 miles in some cases), though these require you to spend at least $5,000 in your first three months. At least this spending threshold should be relatively easy to hit.

Earning Miles & Rewards

For every $1 you spend on flights or other purchases with Delta, you’ll earn 2 miles—a standard rewards rate among major airline cards. As of Jan. 30, 2020, you’ll also get those double miles on your restaurant tabs, your U.S. shipping purchases, and on U.S. advertising expenses with television, radio and other select media. All other purchases will earn 1 mile per $1 spent.

You couldn’t earn double miles on non-airline purchases previously, so by offering the above categories, the Delta SkyMiles Gold Business card is taking a big step toward being more competitive with other airline and general travel credit cards. That said, some of Delta’s biggest airline competitors include gasoline purchases on their lists of bonus categories. Office supply stores and transit costs also get double miles on some cards. 

Redeeming Rewards

The best way to redeem your miles is to book flights. After all, that’s the whole point of having an airline credit card, right? 

To book, go to the Delta website and check the box that says “Shop with Miles” before you search for tickets. There is no cap on the number of miles you can use, and one-way reward flights can range from under 10,000 miles (these are often limited-date SkyMiles Deals) to more than 300,000 for international flights in first class.

When looking for rewards flights, be flexible about your travel dates, if possible. For example, a first/business class ticket from Atlanta to Los Angeles could cost as much as 125,000 miles if booked one month out or 47,000 when booked two months in advance, according to The Balance’s research.

Miles can be used in other travel-related ways as well. You can:

  • Pay for part of a ticket—or multiple tickets on the same itinerary—on eligible flights. When you use the Pay with Miles feature, the airfare is shown in dollars and you use your miles like cash, redeeming them in 5,000-mile increments to reduce the price by $50 per increment. (Miles redeemed will be rounded up to the nearest 5,000-mile mark.)
  • Upgrade your Delta seats to business or first class
  • Buy a Delta Sky Club airport lounge membership for 54,500 miles
  • Fly on more than 20 partner airlines, including Air France, Virgin Atlantic, Hawaiian Airlines and Korean Air, by booking through Delta.

You may also redeem your miles to shop for merchandise, buy gift cards, get backstage VIP access at events, make donations to charity, and more. However, these kinds of options will likely provide less value than the average of 1.60 cents per mile you’ll get when booking flights, our analysis shows. Because Delta miles don’t expire, you’re better off saving them up for airfare.

The benchmark value for rewards seekers is 1 cent per point or mile, so getting 1.60 cents per mile for flights isn’t half bad. That said, we found that miles offered by competitors including United Airlines and American Airlines are worth more than 2 cents apiece, on average.

How to Get The Most Out of This Card

Besides spending at least $2,000 in the first three months to earn the welcome offer, make sure to use this card for at least $10,000 in charges each calendar year (as long as your business budget accommodates) to get the $100 flight credit. This alone will offset the cost of the annual fee.  

In addition, consider adding employee cards to your account so that their purchases help you accumulate more miles and qualify for the credit more quickly.

For more information about getting the most out of your Delta frequent flyer rewards, read our complete guide to the SkyMiles program

Delta SkyMiles Gold Business Credit Card’s Excellent Perks

There are lots of benefits offered by credit cards, but The Balance editors have a narrowed-down list of those that offer exceptional value. The Delta SkyMiles Gold Business Credit Card has three such perks:

  • Free checked bag: You’ll save $60 per round trip when the fee for your first checked bag is waived. Even better, the same fee is covered for as many as eight more people in your travel party.
  • Priority boarding: Frequent travelers are going to like having this VIP perk, which allows them to board first and snag that coveted overhead compartment space in the main cabin. Again, this benefit applies to as many as eight people traveling with you on the same reservation.
  • Insurance coverage for lost luggage: As long as you’ve used your card to pay for your trip, you’ll be covered if your baggage is lost, damaged, or stolen while traveling on an airline or other common carrier. You’ll get up to $1,250 for carry-on and up to $500 for checked baggage.

Delta SkyMiles Gold Business Credit Card’s Other Features 

  • Discounts on in-flight purchases 
  • Rental car collision insurance (secondary to your own policy)
  • Extended warranties
  • Insurance for stolen or damaged purchases
  • Travel and emergency hotline
  • Amex Offers (discounts on shopping, dining, travel, and more)

Customer Experience

American Express placed second out of 11 large credit card issuers in J.D. Power’s 2019 Credit Card Satisfaction survey, rating “among the best.” Cardholders have 24/7 access to customer support and there’s a mobile app to manage their accounts. 

There are also several expense management tools designed to help business owners. For instance, you can set spending limits on your employee cards and easily connect transaction data to QuickBooks. American Express also offers a free credit score and other credit monitoring tools via its free MyCredit Guide service. 

Security Features 

The security features on this card are standard for the industry, including 24/7 fraud monitoring and zero liability for fraudulent purchases.

Delta SkyMiles Gold Business Credit Card’s Fees 

Fees on this card are comparable to others in the category. Like most airline cards, this one doesn’t charge a foreign transaction fee when you make purchases abroad.

For Delta SkyMiles® Gold Business Card
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CURRENT CARD
Delta SkyMiles® Gold Business Card
overall rating
3.1
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.24% - 26.24% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per dollar spent on eligible purchases made directly with Delta, U.S. shipping and advertising purchases, and at restaurants. Earn 1 mile on every eligible dollar spent on other purchases.
Our Methodology
  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. American Express. "Delta SkyMiles Gold Business American Express Card." Accessed Jan. 30, 2020.

  2. American Express. "Delta SkyMiles Gold Business American Express Card Terms & Conditions." Accessed Jan. 30, 2020.

  3. Delta Air Lines. "Upgrades and More." Accessed Jan. 30, 2020.

  4. Delta Air Lines. "Baggage & Travel Fees." Accessed Jan. 30, 2020.

  5. American Express. "Baggage Insurance Plan." Accessed Jan. 30, 2020.

  6. J.D. Power. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Power Finds." Accessed Jan. 30, 2020.