Gold Delta SkyMiles Business Credit Card Review

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The Gold Delta SkyMiles Business Credit Card from American Express is an airline card that’s poised to help you save on Delta Airlines flights, but it may not offer the best value. Still, even with an annual fee kicking in after year one, you might find room in your wallet for this card if you fly Delta a lot and can take advantage of the card’s key benefits, like free checked bags.

Gold Delta SkyMiles® Business Credit Card

overall rating
3.2
Gold Delta SkyMiles® Business Credit 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 (%) 17.49% - 26.49% variable
Annual Fee $0 for the first year, then $95
Cash Advance APR (%) 26.99%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
Ratings Breakdown
for Interest
1.5
for Fees
3.4
for Rewards
3.7
for Credit
4.0

Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new Card within your first 3 months, and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.

Top Rated For

  • Best Delta Credit Cards

Who is This Credit Card Best For?

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

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.

Pros

  • Frequent flyer perks

  • Easy-to-reach welcome offer

Cons

  • No introductory rate on purchases

  • Mediocre rewards

Pros Explained

  • 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 $1000 on the card in the first three months to get it. That’s just $334 per month of business expenses.

Cons Explained

  • 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.

Gold Delta SkyMiles Business Credit Card Welcome Offer

Earn 30,000 Bonus Miles after you spend $1,000 on purchases, and receive a $50 statement credit after you make a Delta purchase with your new card within your first three months of account opening.

According to The Balance’s miles valuation, 1 SkyMile is equal to 1 cent when redeemed for travel, so 30,000 SkyMiles are worth $300. Combine that with the $50 credit you’ll get from making a Delta purchase within the first three billing cycles, and you’ll get an upfront value of $350.

Although there are bigger sign-up bonuses from competing airline business cards, most also require a much higher minimum spend. The $1,000 required on the Gold Delta SkyMiles Business Credit Card should be easy to hit.

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.

Redeeming Rewards

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. 

Award Travel seats are limited and may not be available on all flights or in all markets.

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.

To use Pay with Miles to buy part of a ticket, you must redeem miles in increments of 5,000. If you redeem fewer than that, the number of miles redeemed will be rounded up to the nearest 5,000. That means you could lose as much as $49.99 in miles value if you’re not careful during redemption.

You may also use miles to shop for magazines, merchandise, or to make donations to charity. However, these will likely provide less value than the 1 cent per mile you’ll get when booking flights. Because Delta miles don’t expire, you’re better off saving them up for airfare.

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 
  • Reduced rate for a day pass to the Delta airport lounge until Jan. 30, 2020 ($29 per person with up to two guests). American Express is removing this perk from the card after that date.
  • 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)

Customer Experience

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. 

Security Features 

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, and it’s nice that the annual fee is waived in the first year. However, if that last perk piques your interest, apply for this card before Jan. 30, 2020. Starting that day the annual fee is going up to $99 and won't be waived for the first year you have your account.

For Gold Delta SkyMiles® Business Credit Card

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CURRENT CARD
Gold Delta SkyMiles® Business Credit Card
overall rating
3.2
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 (%) 17.49% - 26.49% variable
Annual Fee $0 for the first year, then $95
Cash Advance APR (%) 26.99%

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.