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Updated September 29, 2016

Gold Delta SkyMiles Business Credit Card Review

Read more about Gold Delta SkyMiles® Business Credit Card from American Express, a CreditDonkey advertiser
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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.

Gold Delta SkyMiles Business Credit Card
Apply Now

Overall Score

3.8

Rewards

4.0

Fees

3.5

Benefits

4.0
5-point scale (the higher, the better)

Pros and Cons

  • Bonus Delta miles
  • Double miles on purchases made directly with Delta
  • Free checked bag
  • 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 bonus mile offer - with American Express customer service.

Below, I'll outline the features of this card, so you can decide whether the $95 annual fee (See Rates & Fees) 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 eligible purchases made directly with Delta (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 bonus miles.

    Gold Delta SkyMiles® Business Credit Card from American Express

    Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
    Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.

    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) on Delta flights. On a round-trip, that's a $60 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 carry 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, 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, then $95.
    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 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 (See Rates & Fees). That's a significant savings if you pull out the plastic often in another country - even Canada and Mexico.

  8. 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

5 REASONS TO CONSIDER ANOTHER CARD

  • 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 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 interest charges (See Rates & Fees) can add up quickly 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 $595 annual fee (See Rates & Fees).

  • 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 Marriott Bonvoy business credit card, you can transfer points to airlines, including Delta and American Airlines.

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

Take a look at our side-by-side comparison below.

 

Gold Delta SkyMiles Business Credit Card

Marriott Bonvoy Business Credit Card

 

Interest Rates and Fees

Purchase APR17.49% to 26.49% Variable based on your creditworthiness and other factors17.49% to 26.49% Variable based on your creditworthiness and other factors
Annual Fee$0 introductory annual fee for the first year, then $95$125 annual fee
Terms Apply. See Rates & FeesTerms Apply. See Rates & Fees
 

Benefits and Features

Airline DealIntroductory Bonus Airline Rewards: Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
 
Hotel Deal Introductory Bonus Hotel Rewards: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
AirlineAirline Rewards: Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. 
Bonus Hotel Rewards Bonus Hotel Rewards: Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Hotel Hotel Rewards: 6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
Airline StatusAirline Status: Check your first bag free on Delta flights. Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding. 
Hotel Status Hotel Status: Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
Gas Gas Rewards: 4x points at U.S. gas stations
Restaurant Dining Rewards: 4x points at U.S. restaurants
Airline Transfer Partners Airline Transfer Partners: Marriott Bonvoy airline transfer partners include Aegean Airlines, Aeroflot, AeroMexico, Air Canada, Air China, Air France/KLM, Air New Zealand, Alaska Airlines, Alitalia, ANA, American Airlines, Asiana Airlines, Avianca, British Airways, Cathay Pacific, China Eastern Airlines, China Southern Airlines, Copa Airlines, Delta SkyMiles, Emirates, Etihad, Frontier Airlines, Hainan Airlines, Hawaiian Airlines, Iberia Plus, Japan Airlines JAL Mileage Bank, Jet Airways, JetBlue, Korean Air, LATAM Airlines, Lufthansa, Qantas, Qatar, Saudia Airlines, Singapore Airlines, South African Airways, Southwest Airlines, TAP Air Portugal, THAI Airways, Turkish Airlines, United, Virgin Atlantic, and Virgin Australia.
 Apply NowApply Now

Do you prefer the AMEX Delta Personal Card instead?:
How does the Delta business credit card offer compare to the personal offer? Let's compare the current promotions:

 

Gold Delta SkyMiles Business Credit Card

Gold Delta SkyMiles

 

Interest Rates and Fees

Purchase APR17.49% to 26.49% Variable based on your creditworthiness and other factors17.49% to 26.49% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.49% to 26.49% Variable based on your creditworthiness and other factors
Annual Fee$0 introductory annual fee for the first year, then $95$0 introductory annual fee for the first year, then $95
Terms Apply. See Rates & FeesTerms Apply. See Rates & Fees
 

Benefits and Features

Airline DealIntroductory Bonus Airline Rewards: Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Introductory Bonus Airline Rewards: Earn 60,000 Bonus Miles after you use your new Card to make $2,000 in purchases 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. Offer expires 10/30/2019.
AirlineAirline Rewards: Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.Airline Rewards: Earn 2 miles on every eligible dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
Airline StatusAirline Status: Check your first bag free on Delta flights. Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.Airline Status: Check your first bag free on Delta flights - that's a savings of up to $240 per round trip for a family of four.
Receive Main Cabin 1 Priority Boarding on your Delta flights, stow your carry-on bag and settle in sooner.
 Apply NowApply Now

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

Next Step: View the issuer's official application, terms, and details

David R is a contributing writer at CreditDonkey, a credit card comparison and reviews website. Write to David R at davidr@creditdonkey.com

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.

Editorial Note: 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 any card issuer. This site may be compensated through the Advertiser's affiliate programs.

For rates and fees of the Gold Delta SkyMiles card, please click here.
For rates and fees of the American Express Business Platinum card, please click here.
For rates and fees of the Gold Delta SkyMiles Business Credit Card, please click here.
For rates and fees of the Marriott Bonvoy Business Credit Card, please click here.

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Gold Delta SkyMiles Business Credit Card from American Express
Apply for Gold Delta SkyMiles Business Credit Card from American Express
At American Express' Secure Site
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Introductory Bonus Airline RewardsAirline RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card Replacement Identity Theft Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.49% - 26.49% Variable
$0 introductory annual fee for the first year, then $95

Compare Gold Delta SkyMiles Business Credit Card to:

Compare Gold Delta SkyMiles Business Credit Card vs American Express Business Platinum
Apply for The Business Platinum Card from American Express
At American Express' Secure Site
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
  • See Rates & Fees
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Card TypeAnnual Fee
Business Charge Card
$595

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