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Delta SkyMiles Gold Business American Express Card — Full Review [2025]
Jarrod West
Jarrod West
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 7 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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Delta SkyMiles® Gold Business American Express Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
$0 introductory annual fee for the first year, then $150
19.99% - 28.99% Variable
Good to Excellent
Delta SkyMiles® Gold Business American Express Card
Receive 2x SkyMiles on Delta purchases, priority boarding, a free checked bag, and discounted award flights.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
If Delta Air Lines is your first choice for business travel, and you’re always looking for more ways to earn Delta SkyMiles, this could be a great card option.
Being able to board the plane early and check your bag for free makes all the difference for a smooth flight. Plus, getting discounts on inflight purchases keeps money in your pocket and your small business.
Card Details
Card Snapshot
Welcome Bonus & Info
Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
2x SkyMiles per $1 on purchases made directly with Delta and at restaurants
2x SkyMiles per $1 on U.S. purchases for advertising in select media and on U.S. shipping purchases on up to $50,000 in eligible purchases per category, per year.
$200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
Up to $150 Delta Stays Credit after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
First checked bag free for you and up to 8 traveling companions
Zone 5 Priority Boarding on Delta flights
20% inflight savings
Baggage insurance
Rental car insurance
Purchase protection
Extended warranty coverage
Cons
Doesn’t earn transferable rewards
Doesn’t offer as many perks for rewards as other Delta cards
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as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
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Great Card If
You prefer Delta Air Lines over other carriers.
You and your employees travel regularly.
You want perks like free checked bags and priority boarding.
Don’t Get If
You rarely fly with Delta.
You want a card that earns flexible rewards.
Delta Gold Business Card — Is It Worth It?
The Delta Gold Business card can be great for business owners who often fly with Delta. Not only does it help you earn more miles on your Delta flights and everyday purchases, the card also offers a variety of perks.
These perks include a $200 annual Delta flight credit (after you spend $10,000 in purchases on your card in a calendar year), up to $150 in annual Delta stays credit, 15% off when booking award travel with miles, your first checked bag free, priority boarding, a 20% discount on in-flight purchases, and more.
Holding the Delta Gold Business card doesn’t just help you earn more miles, it also enhances the experience and savings you receive on each Delta flight you take.
Delta Gold Business Card Top Benefits
Delta Gold Business Card Travel Benefits
Cardholders of the Delta Gold Business card enjoy the following travel perks:
$200 Delta Flight Credit: With your Delta Gold Business card, you can receive a $200 Delta flight credit toward future travel after spending $10,000 in purchases in a year.
Up to$150 Delta Stays Credit: The Delta Gold Business card offers cardholders the ability to earn up to $150 back each year on prepaid hotels and vacation rental bookings made through Delta.com.
TakeOff 15: Cardholders receive a 15% discount on the number of miles needed to book an award ticket (but this does not apply to partner-operated flights or the taxes-and-fees portion of the ticket).
Free Checked Bags: Get your first checked bag free for you and up to 8 traveling companions on the same reservation. Delta charges $35 to check a bag, allowing you to save up to $315 per flight.
Priority Boarding: Receive automatic zone 5 priority boarding on Delta flights.
20% Back on In-Flight Purchases: Receive a statement credit when you use your Delta Gold Business card to purchase food, beverages, or Wi-Fi on board.
Hot Tip:
Depending on how much you spend on your card and your travel preferences, the $200 annual Delta flight credit and up to $150 annual Delta Stays credit can easily offset the annual fee to hold the Delta Gold Business card each year.
Delta Gold Business Card Travel and Purchase Protections
Baggage Insurance: If your baggage is lost or damaged during transit, you’re covered up to $1,250 for carry-on bags and up to $500 for checked bags, for up to $10,000 per trip.
Car Rental Loss and Damage Insurance: Receive secondary rental car insurance that covers theft and collision damage to your rental vehicle.
No Foreign Transaction Fees: Use your card for overseas purchases without needing to worry about additional fees being tacked on (rates and fees).
Extended Warranty Protection: Products purchased with your card that have extended warranties of 5 years or less are extended by 1 additional year.
Purchase Protection: Purchases made with your card are covered in the event of theft or accidental damage for up to 90 days from the purchase date, up to $1,000 per claim and $50,000 per year.
Best Way To Earn and Redeem Delta SkyMiles
Using the Delta Gold Business card can be a solid way to earn more Delta SkyMiles, since it earns 2 miles per $1 spent on Delta purchases, 2 miles on eligible purchases at shipping providers and advertising purchases in select media, and 1 mile per $1 spent on all other purchases. That said, in addition to using your card, you’ll also want to make use of some of the other great ways to earn Delta SkyMiles.
Once you’ve built up a large stash of Delta SkyMiles and are ready to redeem them for your next vacation, take a look through our guide to the best ways to redeem Delta SkyMiles for inspiration and tips on how to maximize your points. Don’t forget that you also receive a 15% discount on Delta-operated award tickets thanks to your Delta Gold Business card.
Alternative Cards to the Delta Gold Business Card
Delta SkyMiles® Platinum Business American Express Card
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
70,000 miles
Up to $840
$350
19.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Cardholders earn 3x SkyMiles per dollar for purchases with Delta and access benefits, including no foreign transaction fees, priority boarding, and a free checked bag for each flight (rates & fees).
Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!
Pros & Cons
Pros
Save 15% on award travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
3x SkyMiles per $1 spent on Delta and hotel purchases
1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to $100,000 per year
Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
If you are a frequent Delta flyer and want a card that offers even more Delta benefits, then the Delta Platinum Business card might be a better fit for you.
It helps you earn even more Delta SkyMiles by offering 3x miles on Delta purchases, 1.5x miles on transit and eligible U.S. shipping and purchases on transactions larger than $5,000 (up to $100,000 spent), and 1x miles on all other purchases.
Not to mention the Delta Platinum Business card offers significantly more perks than the Gold, including an annual companion certificate, up to $120 annual Resy credit, up to $120 ride-share credit, complimentary upgrades on Delta flights, Hertz 5-star status, and more.
The Blue Business® Plus Credit Card from American Express
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
Up to $330
No annual fee
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.
Financial Snapshot
APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
If you prefer a business card that doesn’t require you to keep track of bonus categories and helps maximize every purchase you make with the card, then you should consider the Amex Blue Business Plus card.
With it, you earn 2 points per $1 spent on all purchases on up to $50,000 in annual spend (and 1x thereafter). More importantly, these points come in the form of Amex Membership Rewards points which includes access to over 20 Amex transfer partners — including Delta. This means you aren’t limited to a specific airline program when you go to redeem your points.
The card also has extended warranty coverage, purchase protection, and has a $0 annual fee (rates & fees).
For the baggage insurance plan benefit of the Delta SkyMiles® Gold Business American Express Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the car rental loss and damage insurance benefit of the Delta SkyMiles® Gold Business American Express Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the extended warranty benefit of the Delta SkyMiles® Gold Business American Express Card, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection benefit of The Blue Business® Plus Credit Card from American Express, when an American Express® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the extended warranty benefit of The Blue Business® Plus Credit Card from American Express, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
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