Who is This Credit Card Best For?
Is turning their passion into a money-making venture
Diligently searches for the best products and delights in a good bargain
Prioritizes sticking to their budget while buying what they want and need
Hits the road often, whether for work or play
The Gold Delta SkyMiles Business Credit Card is best for business owners who frequently fly Delta and want to earn extra miles toward their flights. The card offers a simple way to maximize your business spending and help you save on upcoming travel. Because the annual fee is waived in year one, you can do a test run to see if you use it enough to make up for the fee the second year.
If you’re not flying Delta on the regular, though, once the year is up, you will probably find better value from other business credit cards that let you earn bonus points in your top spending categories.
Frequent flyer perks
Easy-to-reach welcome offer
No introductory rate on purchases
- Frequent flyer perks: Get one free checked bag for you and for up to eight travel companions—enough for the whole team. Cardholders also get priority boarding (up to eight companions can enjoy this perk, too).
- Easy-to-reach welcome offer: While the 30,000-mile offer is not especially high, you only have to spend $1,000 on the card in the first three months to get it. That’s just $334 per month of business expenses.
- No introductory interest rate on purchases: Although it’s uncommon for business airline cards to feature this perk, offering it would have been a nice way for the Gold Delta SkyMiles Business Credit Card to stand out since business owners could always use a bit of wiggle room when purchasing high-priced office equipment and supplies.
- Mediocre rewards: For a card with an annual fee, the rewards are just OK. Unlike other business airline cards that allow you to earn a higher rewards rate on some common business expenses, the only earnings boost you get here is on Delta purchases, and that’s just 2 miles per $1 spent.
Delta and American Express are relaunching the entire suite of SkyMiles cards effective Jan. 30, 2020. Among the changes coming for this card: 2 miles per $1 spent on restaurant purchases and on eligible U.S. shipping and advertising expenses. In addition, the annual fee will no longer be waived for the first year and will bump up to $99.
Gold Delta SkyMiles Business Credit Card Welcome Offer
You’ll earn 30,000 bonus miles after you spend $1,000 on your card within your first three months. You’ll also receive a $50 statement credit if you make a Delta purchase within that period.
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 this bonus would be worth $480. Combine that with the $50 credit, and you’d get an upfront value of $530.
Although there are much bigger sign-up bonuses from competing airline business cards (50,000 to 70,000 in some cases), these also require you to spend a lot more in your first three months. It should be relatively easy to hit the $1,000 threshold with this card.
Earning Miles & Rewards
If you’re booking any flights or making any purchases with Delta, it’s a no-brainer that you’ll want to use this card to earn 2 miles on every $1 spent. Beyond that, all other purchases award 1 mile per $1 spent.
You can add employee cards to your account so that their spending can help you accumulate even more miles.
The best way to redeem your miles is to book flights or put them toward flight upgrades. After all, that’s the whole point of having an airline credit card, right?
There is no cap on the amount of miles you can use. To book, go to the Delta website and check the box that says “Shop with Miles” when you search for airfare.
You can use a feature called Pay with Miles to pay for part of a ticket—or multiple tickets—as long as you have 5,000 miles per passenger available, and the passengers are on your itinerary.
You may also use miles to shop for magazines, merchandise, or to make donations to charity. However, these will likely provide much less value than the average of 1.6 cents per mile you’ll get when booking flights. 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 the 1.60 cents you’ll get 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.
How to Get The Most Out of This Card
Besides spending at least $1,000 in the first three months to earn the welcome offer, you can maximize this card by using it for all of your (and your employees’) Delta flights. The true value of this card is in what you’ll save on baggage fees and getting priority boarding privileges (which can better your chances for getting limited overhead bin space). If you’re someone who flies a lot and primarily uses Delta airlines for your travel, those two benefits alone could make the card worthwhile.
Consider pairing this card with a general business rewards credit card so that you can earn higher rates of either cash back or travel rewards in non-airline business spending categories.
Gold Delta SkyMiles Business Credit Card’s Excellent Perks
There are lots of potential benefits offered by credit cards, but some stand out for their exceptional value. The Gold Delta SkyMiles Business Credit Card offers four perks our editors consider “excellent”:
- Free checked bag: Card members can save up to $60 round trip by checking one bag for free, and you can also cover that fee for 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.
- Travel accident insurance: Get up to $100,000 in benefits for accidental death or dismemberment while on traveling on a common carrier on a trip paid for with this card.
- Insurance coverage for lost luggage: If your baggage is lost or stolen, you can get up to $1,250 for carry-on baggage and up to $500 for checked baggage.
Gold Delta SkyMiles Business Credit Card’s Other Features
- Discounts on in-flight purchases
- Roadside assistance hotline
- Rental car collision insurance (secondary to your own policy)
- Travel and emergency hotline
- Extended warranties
- Insurance for stolen or damaged purchases
- Amex Offers (discounts on shopping, dining, travel, and more)
American Express placed second out of 11 large credit card issuers in JD Power’s 2019 Credit Card Satisfaction survey. Cardholders have 24/7 access to customer support and there’s a mobile app to manage the account.
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.
The security features on this card are standard for the industry, including 24/7 fraud monitoring and zero liability for fraudulent purchases.
Gold Delta SkyMiles Business Credit Card’s Fees
As you would expect with an airline rewards card, this card doesn't charge foreign transaction fees. Fees for this card are comparable to others in the category.