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Updated September 29, 2016

Gold Delta SkyMiles Business Credit Card Review

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Do you travel for business? Is Delta your go-to airline? If so, the Gold Delta SkyMiles® Business Credit Card from American Express could be your ticket to travel-related rewards.

5/24/2017 Update: We're sorry, Gold Delta SkyMiles® Business Credit Card from American Express is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

Overall Score







5-point scale (the higher, the better)

Pros and Cons

  • Bonus Delta miles
  • Double miles on purchases made directly with Delta
  • Free checked bag
  • $95 annual fee

Bottom Line

Excellent airline business credit card for frequent Delta flyers

Delta Business Credit Card

Let’s weigh the benefits and disadvantages of the card so you can determine if it’s right for you.

Business owners who want to save on air travel with Delta should check out the Gold Delta SkyMiles Business Credit Card.

The card combines benefits – like a 30,000 mile bonus offer – with American Express customer service.

Below, I'll outline the features of this card, so you can decide whether the $95 annual fee is a good investment for your business.

Reasons to Get the Card

  1. Delta is your airline of choice.
    There’s no question that if you’re loyal to an airline, you should consider taking advantage of its cards, and the Gold Delta SkyMiles Business credit card is no exception.

    By earning 2 miles per dollar you spend on direct Delta purchases (for airline tickets, etc.), or 1 mile for every eligible dollar you spend elsewhere, your Delta airline miles rewards can add up significantly. You can then use those earned miles for award tickets and upgrades.

    And if you usually make in-flight purchases (such as buying a sandwich in-flight), you’ll get an extra 20% off those purchases when you use the card (savings in the form of a statement credit).

  2. You like the idea of 30,000 bonus miles to get you going.
    That’s a lot of bonus miles just for spending $1,000 within the first three months on your new card.

    You can make the bonus miles go far. One-way award tickets within and between the continental U.S., Alaska and Canada start at 10,000 miles (plus taxes and fees).

    The bonus mile offer makes this an useful business airline credit card, especially for business travelers near Delta hubs.

  3. Your first checked bag is free.
    Checked-bag fees can be costly. But with the Gold Delta SkyMiles card, your first bag flies free (that is not overweight and not oversize), and on a round-trip, that’s a $50 savings. Even if you’re only hauling around a carry-on, you might consider checking it anyway since your first checked baggage fee will be waived.

    This benefit applies to up to eight additional travelers on your reservation, so you can save money for a large group of employees.

  4. Being treated well when you travel matters to you.
    Flying can be nerve wracking for some people – even frequent business travelers.

    That’s evident by the rush of people lining up to board as soon as the announcement is made. You can alleviate some of that anxiety when you book your Delta flight with a Gold Delta SkyMiles Business Credit Card, because you’ll get priority boarding. You’re more likely to find room to store your carry-on in the overhead compartment and be comfortable in your seat before the majority of passengers without priority boarding status have handed their boarding pass to the attendant.

  5. You can’t always pay your balance off in full each month.
    Sometimes your business will need to get through a downtime, which is why having the option to hold a balance can be nice (versus a charge card where you always have to pay off what you owe).

    Of course, you’ll be charged interest (with a variable APR, currently 15.99% to 19.99%, depending on your creditworthiness), but at least you can make payments over time, if your business gets short on cash.

  6. $0 intro annual fee for the first year.
    Many business travel credit cards charge annual fees for the rewards and miles you’ll get in return, so it’s not unusual that the Gold Delta SkyMiles Business credit card does the same. However, you’ll get an introductory $0 annual fee for the first year – then you’ll pay $95 thereafter.

  7. You love a gift — especially an attainable one.
    Not only will you get bonus miles after you spend $1,000 on eligible purchases in the first three months, but you’ll get $50 knocked off your bill in the form of a statement credit if you use your new card for a Delta purchase – including tickets and in-flight entertainment – within your first 3 months of ownership.

  8. You travel overseas.
    If you’ve used a credit card in another country, you know how those foreign transaction fees (which average 3% of the amount you charge) can really add up.

    With the Gold Delta SkyMiles Business credit card, there are no foreign transaction fees. That’s a significant savings if you pull out the plastic often in another country – even Canada and Mexico.

  9. Pay with miles
    Pay with Miles is an exclusive benefit for SkyMiles members with certain American Express Delta credit cards including the Gold Delta SkyMiles Business Credit Card. Once you have collected enough miles, you can redeem them for a discount on Delta airfare. You usually get $100 off airfare for every 10,000 redeemed points. Visit Delta for more information including eligibility and restrictions.

© Ken Mist (CC BY 2.0) via Flickr


  • You rarely fly Delta.
    If you’re loyal to another airline or Delta doesn’t fly to the places you frequent (or it’s a costlier airline), you can find other airline rewards cards out there that will work better for you.

    Keep in mind, though, that if you’re a business traveler who often drives to your destinations (perhaps your work keeps you in-state), but you still need to stay overnight, you can also redeem your Delta SkyMiles for hotels, car rentals, select gift cards, and other perks.

  • You want a lower APR.
    You might do better looking for another card with a lower interest rate if you sometimes need to pay off your business expenses in installments. Even if you have stellar credit, the variable APR this card offers is currently 15.99% to 19.99%, which can add up to a lot of interest if you don’t pay off your balance in full each month.

  • You want to avoid paying an annual fee.
    While the annual fee is waived for the first year, you’ll pay it every year thereafter. With some business credit cards offering no annual fees, you have the potential to save some cash with another card. On the flip side, the $95 dollar annual fee for the Amex Gold Delta SkyMiles is lower than some other business cards, including Amex’s own Business Platinum Card, which charges a $450 annual fee.

  • Other business rewards cards programs are out there.
    If you like the notion of cash back in addition to travel rewards that don’t limit you to one airline, another business credit card will probably serve you better in the long run.

  • You don’t travel for business.
    Plain and simple, if you’re not a small business owner who travels, there’s really no reason to get this card. Consider a cash back credit card instead.

How it Compares

If you don't only fly Delta:
We understand you want an airline credit card, so why would we mention a hotel credit card?

With the AMEX Starwood business credit card, you can transfer Starwood (SPG) points to airlines, including Delta and American Airlines. For every 20,000 SPG points you transfer at a time, SPG will add 5,000 bonus points. That is the equivalent of earning 1.25 miles on your purchases when you transfer SPG hotel points to airline miles.

But you do lose the Delta airline-specific perks, such as priority boarding and the ability to check your first bag for free.

Do you prefer the AMEX Delta Personal Card instead?:
How does the Delta business credit card offer compare to the personal offer? In our opinion, the main advantage is the business card comes with the OPEN savings benefit.

Bottom Line

In our opinion, this is a great card for business owners who travel extensively with Delta airlines to earn miles and save on baggage fees. If you're not a frequent traveler, you may want to consider another rewards card. Terms and limitations apply

5/24/2017 Update: We're sorry, Gold Delta SkyMiles® Business Credit Card from American Express is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

David R is a contributing writer at CreditDonkey, a credit card comparison and financial education website. Write to David R at Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on March 30, 2012. This content may have been updated on September 29, 2016. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.

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Compare Gold Delta SkyMiles Business Credit Card to:

The Enhanced Business Platinum Card from American Express
Apply for The Enhanced Business Platinum Card from American Express
At American Express' Secure Site
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • New: Get 5X Membership Rewards® points on flights and prepaid hotels on
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each qualifying purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2016
  • Terms Apply
  • See Rates & Fees
Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConciergeDiscount Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft Assistance Roadside Assistance
Card TypeAnnual Fee
Business Charge Card

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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