Delta SkyMiles Gold Business American Express Card
Up to 85,000 miles + $350 in annual credits for Delta flyers
The Delta SkyMiles Gold Business card charges $150 annually ($0 intro first year) but delivers $350+ in credits and free checked bags for Delta-focused business owners. Earn 2X miles on Delta, restaurants, and shipping.
- Annual Fee
- $150
- Welcome Bonus
- As high as 85,000 miles — offers vary
- Top Rate
- 2X
Terms checked against the issuer on November 6, 2026
At a Glance
- Annual Fee
- $150
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Delta SkyMiles
- Point Valuation
- 1–1.2 cpp (mid: 1.2)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: As high as 85,000 miles — offers vary
Spend: $6,000
Period: 6 months
The issuer states this offer only as a maximum. Offers vary by applicant: you may be offered less, or no offer.
Earning Rates
- 2X
Dining
2X miles at restaurants worldwide — No annual cap
- 2X
Shipping
2X miles at U.S. shipping providers — Up to $50,000 per year
Cap: $50,000/annual
- 2X
Advertising
2X miles on U.S. advertising in select media — Up to $50,000 per year
Cap: $50,000/annual
- 2X
Delta
2X miles on Delta purchases — No annual cap
- 1X
All Other
1X miles on all other eligible purchases — No annual cap
Earning Scenarios
Earn 2X miles per dollar on Delta tickets
A $500 Delta ticket earns 1,000 bonus miles with this card vs. 500 miles with a basic card.
Earn 2X miles on restaurant purchases
Monthly business dinners totaling $1,200 earn 2,400 miles — worth 2-3 round-trip domestic flights annually.
Earn 2X miles on business shipping (up to $50K/year)
Ship $5,000 in business packages and earn 10,000 bonus miles. Cap resets each calendar year.
Earn 2X miles on U.S. advertising (up to $50K/year)
Spend $2,000/month on social media ads and earn 4,000 miles per month — 48,000 miles per year.
Earn 1X mile on all other purchases
Miscellaneous business expenses like office supplies earn standard 1X rate.
Benefits & Perks
Travel Benefits
5 perksGeneral Travel
Annual Credits & Statement Credits
4 creditsUp to
$490
in recurring credits (annual)
$200 Delta flight credit
Get a head-start on your next adventure, compliments of your Card. After you spend $10,000 in purchases on your Card in a calendar year, you can
$200
Annual
$150 Delta stays credit
Up to $150 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com.
$150
Annual
$10/mo rideshare
Up to $10 in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
$10
Monthly
20% back Delta in-flight
Get 20% back as a statement credit when you purchase food and beverages on board Delta flights with your card.
$20
Per transaction
Insurance & Protections
5 protectionsZero liability protection on fraudulent charges
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Up to $1,000 per item against damage or theft
$1,000
Reimbursement for purchases damaged or stolen within 90 days. Up to $1,000 per item, $50K annual max.
Extended warranty adds up to 1 year
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Secondary car rental insurance coverage
secondary
Secondary coverage for theft and collision damage on rentals up to 30 days. Skip rental counter insurance and save $15-40/day.
Baggage insurance up to $1,250 for carry-on items
secondary
Get reimbursed for lost or damaged baggage contents with coverage for carry-on ($1,250) and checked bags ($500) in excess of airline reimbursement.
Dining Out
2x at restaurants
SkyMiles
≈$2.40 in value on a $100 dinner, at our valuation of 1.2¢ per point
Annual fee: $150
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
SkyMiles
America's premium airline rewards program
Delta SkyMiles is the loyalty program of Delta Air Lines, serving over 100 million members worldwide. As a founding member of the SkyTeam alliance, SkyMiles miles can be earned and redeemed across 19 partner airlines including Air France, KLM, Korean Air, and Virgin Atlantic. The program offers revenue-based earning on Delta flights and status qualification through Medallion tiers. Delta operates the largest airline network in the United States with major hubs in Atlanta, Minneapolis, Detroit, Seattle, Los Angeles, and New York. SkyMiles members earn miles based on ticket price rather than distance, with Medallion elite members earning bonus miles on every flight. The program is known for strong premium cabin availability on domestic routes and competitive pricing for SkyTeam partner awards. SkyMiles partners with American Express for co-branded credit cards that offer accelerated earning, free checked bags, and priority boarding. Higher-tier cards grant automatic Medallion status and companion certificates worth up to $1,000 in travel value annually.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| US to South America in Economy | 10,000 | economy | South America |
| US to Canada in Economy | 10,300 | economy | United States |
| US to Hawaii in Economy | 10,900 | economy | United States |
| Domestic US in First Class | 12,500 | first | United States |
| US to Europe in Economy | 23,000 | economy | Europe |
| Intra-European Economy on Partners | 10,000 | economy | Europe |
| Intra-European Business on Partners | 25,000 | business | Europe |
| Middle East to Europe Business Class | 42,500 | business | Europe |
| Within Asia Business on Korean Air | 15,000 | business | Asia |
| Asia to Oceania Business Class | 65,000 | business | Australia Nz |
| LATAM Short-Haul Economy in South America | 6,400 | economy | South America |
| Delta Flash Sales to Europe | 34,000 | economy | Europe |
| Hawaiian Inter-Island Economy | 7,500 | economy | United States |
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesCategory Rankings (1 category)
Pros and Cons
Pros
- +First year free, then $150 annual fee
- +Free first checked bag for cardholder and up to 8 companions
- +Priority boarding in Main Cabin 1
- +2X miles on Delta, restaurants, U.S. shipping providers and U.S. advertising in select media
- +Second checked bag free on domestic Delta flights
- +$120 rideshare credit ($10/month after first renewal; enrollment required)
- +No foreign transaction fees
- +20% back on Delta in-flight purchases
Cons
- -$150 annual fee after first year with no waived option
- -No companion certificate included
- -No Delta Sky Club access
- -Only 1X on most business purchases
- -Miles locked to Delta SkyMiles program
Who It's Best For
Best For
- Business owners who fly Delta and check bags regularly
- Companies with high restaurant, U.S. shipping or U.S. advertising spending
- Small businesses seeking to separate personal and business Delta miles
- Business travelers who want priority boarding without premium fees
Not Ideal For
- Businesses that rarely fly Delta
- Those seeking companion certificates (need Platinum Business)
- Companies wanting flexible points with transfer partners
- Businesses requiring Sky Club access (need Reserve Business)
The Math: Is $150 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$294
Annual Fee
-$150
Net Annual Value
+$144
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
Payment Terms
| Purchase APR | 19.74%–28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Card Family
Delta Skymiles Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Delta Skymiles Platinum Business | premium | $350 | |
| Delta Skymiles Reserve Business | super premium | $650 |
Product changes available between family members without a new credit inquiry.
FAQs
How many SkyMiles are needed for a free flight?
You can find Delta awards for as little as 4,200 miles. If you have a Delta co-branded credit card, you get a 15% discount, bringing some flights down to 3,570 miles. Taxes are usually low as well, often just $5.60 for a one-way domestic ticket.
How to earn Delta SkyMiles fast?
The [Delta SkyMiles Reserve Business](https://pointsnav.com/credit-cards/delta-skymiles-reserve-business) card has the highest regular signup bonus. You can earn 80,000 SkyMiles after spending $10,000 in the first six months. You’ll also earn at least 10,000 miles from that spend. Delta has offered elevated 100,000-mile bonuses in the past.
How do I get into a Delta lounge?
You can access Sky Clubs with Diamond Medallion status or by flying in a premium cabin when you hold Gold or Platinum status. Certain cards also provide access, including the Delta Reserve (personal and business) and the Amex Platinum ( [personal](https://pointsnav.com/credit-cards/american-express-platinum-personal) and [business](https://pointsnav.com/credit-cards/american-express-platinum-business)).
How do I know if I have Delta SkyMiles?
Log in to your Delta SkyMiles account to see your mileage balance. On the website, your name and miles appear at the top right. In the app, tap “Account” to view your balance. If you don’t have a SkyMiles account, you won’t have any Delta miles yet.
Can I claim miles from past flights in Delta?
Yes. You can request mileage credit after you've flown, even if you didn't have a SkyMiles account at the time. Log in and visit the [Request Mileage Credit page](https://www.delta.com/myskymiles/request-mileage-credit). As long as your flight was at least 7 days ago and within the last 9 months, you can receive credit.
Media & Resources
Video Reviews
8 videosYeah, Amex NEVER Expected I Use My Delta Gold Card Like This…
Amex Delta Business Gold - Get Approved INSTANTLY
Okay, The Amex Delta Gold Card is Way BETTER Than Expected
Why I Cancelled My Amex Delta Gold Skymiles Business Credit Card...
Amex Gold Card vs Delta Gold (2026)
Most Delta Flyers Pick the Wrong Amex Card | 2026 Strategy
Delta SkyMiles Gold Business Card Review 2025 | Worth It or Leave It?
Third-Party Articles & Reviews
Delta SkyMiles Gold Business Card Amex review
Yahoo Finance review focuses on the card's appeal for small business owners who fly Delta frequently. Breaks down the welcome bonus value and annual credits.
Delta SkyMiles Gold Business American Express Card
US News Money's review analyzing the card's value proposition, fees, and benefits for business owners. Includes comparison with competing business travel cards.
Delta SkyMiles Gold Business American Express Card review
The Points Guy's comprehensive breakdown of bonus miles, benefits, and earn rates. Compares against other Delta business cards and helps determine if this card fits your flying patterns.
Which Delta Credit Card is Right for You?
The Points Guy's comprehensive comparison of all Delta cards (personal and business) to help determine which offers the best fit based on flying frequency and spending patterns.
Delta SkyMiles Gold American Express Review
CNN Underscored's review of the Delta Gold card (personal version). Useful for comparing personal vs. business card features and understanding the Delta card family.
Delta SkyMiles® Gold Business American Express Card
DailyDrop's take on the card's strengths (free bags, priority boarding) and weaknesses (limited earning categories). Recommends complementary cards for non-Delta spending.
Delta SkyMiles Gold Business Amex Card Review 2026
Kudos reviews the card's value for business owners with recurring Delta travel. Analyzes the $150 annual fee against the $350 in annual credits and free checked bags.
Delta Business Cards: Which is Best for You?
Nav's guide to Delta business cards recommends the Gold card for those seeking solid travel perks at lower cost. Compares the Gold vs. Platinum business cards.
Delta SkyMiles Gold Business AmEx: 2026 Review
NerdWallet's detailed review covering earn rates, perks, and who should apply for this card. Highlights that it's solid for Delta frequent flyers but lackluster for routine spending.
Delta SkyMiles® Gold Business American Express Card
CompareCards review with detailed breakdown of earning rates, statement credits, and airport benefits. Includes side-by-side comparison with other Delta cards.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| American Express | — | American Express |
| Delta Partner | — | Delta Partner |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page | |
| American Express | — | American Express |
| American Express | American Express: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.