Delta SkyMiles Gold Business American Express Card — Full Review [2021]

We may be compensated when you click on links from one or more of our advertising partners. Opinions and recommendations are ours alone. Terms apply to offers below. See our Advertiser Disclosure for more details.

Delta SkyMiles Gold Business American Express Card — Full Review [2021]

U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's 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 More Delta SkyMiles Quickly!"

Receive 2x miles on Delta purchases plus eligible business purchases, priority boarding, a free checked bag, and discounted access to the Sky Club Lounge, plus a suite of tools for your small business.

Learn More (at Amex's secure site)

Delta Air Lines is your first choice for business travel, and you’re always looking for more ways to earn Delta SkyMiles.

Being able to board the plane early and check your bag for free make all the difference for a smooth flight. Plus, getting discounts on Sky Lounge access and in-flight purchases keeps money in your pocket and your small business.

It’s for those reasons and more that you choose to make purchases with the Delta SkyMiles® Gold Business American Express Card.

Delta Gold Business Card — Snapshot

The Ideal Cardholder

Gold Delta SkyMiles Amex Perks
Get a 20% discount on in-flight purchases when you use the Delta Gold Business card. Image Credit: Maridav via Shutterstock

Welcome Bonus and Earning Miles

Between the great welcome bonus (see above table) and not having an annual fee for the first year ($99/year after that), the Delta Gold Business card has a lot to offer Delta frequent flyers.

Earn 5 miles per $1 spent on purchases made directly with Delta and 1 point per $1 for your other purchases. Your miles never expire!

Benefits of the Delta Gold Business Card

Delta travelers will delight in the many benefits offered with their convenience in mind.

Paying to check your luggage has made flying more expensive, but you can get your first bag checked free with the card.

This perk also applies to up to 8 other passengers on your reservation. This comes out to a $60 savings per person round-trip, for a total value of $540!

Instead of waiting to board the plane, you’ll get Zone 1 priority boarding on Delta flights. That means you skip ahead of passengers sitting in the main cabin and those flying economy.

Once on board, you’ll get a 20% discount on in-flight purchases. The discount will appear as a statement credit on your credit card bill.

You can also relax before your flight at the Delta Sky Club lounge for only $29. Enjoy this reduced fee for you and up to 2 companions when you hold a same-day airline ticket with any airline and use the card.

Delta Sky Club access includes complimentary drinks and snacks, private restrooms, newspapers and magazines, and satellite TV. Wi-fi access makes it easy to catch up on work while you’re waiting for your next flight.

Through December 31, 2021, cardholders will also get $10 back per month on U.S. wireless services when they enroll through Amex Offers.

Bottom Line: Benefits of the Delta Gold Business card include a free checked bag for up to 8 companions, priority boarding, a 20% in-flight discount, and discounted Sky Club passes!

Other Card Perks: Insurances and Services

Just like other American Express credit cards, the Delta business credit card offers many travel and shopping perks.

When you’re on the road, the car rental loss/damage insurance and global assistance hotline can make you feel more comfortable.  Shopping protections like return and purchase protections or extended warranties can protect your pocketbook too!

Plus, find out about the latest ticket presales and cardmember-only events in your city with entertainment access.

Rest easy knowing you won’t be responsible for fraudulent charges when you call the number on the back of your card. With fraud protection, you won’t even have to pay a deductible.

Bottom Line: Enjoy car rental, return, purchase, and warranty insurance as well as entertainment access and more with the Delta Gold Business card.

Benefits for Small Businesses

Running a small business can be a lot of work! Reduce some of that stress by taking advantage of the benefits available with the card.

First, add employee cards and earn more Delta miles. You won’t be charged an annual fee for employee cards, and you’ll have control over spending limits.

Access all your accounts from almost anywhere through the mobile and tablet apps–a useful feature when you’re always on the go. Also, receive your statements and review your purchase history online.

Other helpful services include account alerts to let you know when your payment is due or notify you about fraudulent activity on your card. ReceiptMatch can add receipts to your transactions, and dispute resolution is there if you get into a bind.

Bottom Line: Get employee cards with no additional fee, plus access to mobile apps and account alerts to help you manage your business finances with the Delta Gold Business card.

Combining Cards for More Value

Consider combining the Delta Gold Business card with an American Express personal card for even more value.

For more points, choose a Membership Rewards card that allows you to transfer points to Delta at a 1:1 ratio.

One option is The Platinum Card® from American Express, which includes complimentary access to Delta Sky Clubs. It also earns 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and on eligible hotels booked on

A similar card is The Business Platinum® Card from American Express which earns 5X Membership Rewards® points on flights and prepaid hotels on You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.

Bottom Line: Combining credit cards can be a powerful strategy. The cards you get depend on your own personal travel desires.

Great Card If

  • You prefer Delta Air Lines over other carriers
  • You and your employees travel regularly
  • You don’t want to bother with earnings categories

Don't Get If

  • You don’t want to pay an annual fee (after the first year)
  • You want more redemption options

Delta Gold Business Card — Fees

  • Annual Fee
    • $0 introductory annual fee for the first year, then $99
  • Foreign Transaction Fees
  • Interest Rates
    • 15.74% - 24.74% Variable
  • Late fees
    • 29.24% Variable
    • Up to $39
  • Cash Advance APR
    • 25.24% variable
    • Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Additional Info

Best Way to Maximize Delta SkyMiles

The fastest way to earn miles with an airline credit card is usually by purchasing airfare, and the same holds true for the Delta Gold Business card. After all, it earns 2x miles for Delta Air Lines purchases.

But what other strategies can your small business employ to earn more points with the card? Let’s take a look at some options for earning Delta miles.

Tip #1: Put as many of your small business expenses on the card as possible to accrue a lot of miles. As we discussed, you’ll get 2x miles for Delta purchases, but that’s not all.

Tip #2: Fly Delta and earn 2x miles for using the card, plus another 5x miles for being a SkyMiles member! That’s a total of 7x miles!

If you achieve elite status, you’ll be able to earn even more with extra bonus miles per $1: Silver (2x), Gold (3x), Platinum (4x), and Diamond (6x).

Even better, when you reach Platinum Medallion status you get to pick a Choice Benefit (2 with Diamond status). There are several Choice Benefit options, including up to 25,000 bonus miles!

Tip #3: Do you have any other personal or business American Express credit cards that earn Membership Rewards points? Well, you can transfer those points to your Delta SkyMiles account because Delta is a Membership Rewards transfer partner.

Here a few business credit cards that allow you to transfer points to Delta:

Tip #4: If you’re going to be making retail purchases with your card, try using the SkyMiles online shopping portal to earn extra rewards for your purchases.

Similarly, if you’re taking clients out to dinner, you could look up a restaurant that is part of the Delta Dining program so that you can maximize rewards.

Gold Delta SkyMilles Amex Hotel Partners
When you stay at one of the many Delta partner hotels (like Marriott and Hilton properties), you’ll earn more SkyMiles! Image Credit: Dragon Images via Shutterstock

Best Way to Redeem Delta SkyMiles

The primary method for redeeming miles earned with the Delta Gold Business card is on flights with Delta, Delta partner airlines, and Delta codeshare partners.

Unfortunately, Delta no longer publishes an official award chart, which makes it a bit of a challenge to figure out the lowest price available. We recommend using the old award chart included in our article on how to redeem Delta SkyMiles for max value.

Here are some other options for making the most of your SkyMiles:

Mileage Upgrade

Wouldn’t you love a shot to enjoy a more comfortable seat in another class, especially on the way back from a ton of meetings? Well, you can!

With a Mileage Upgrade Award, you can go from the main cabin or Delta Comfort+ to a seat in first class, the new Delta Premium Select, or Delta One.

Upgrade Your Seat

Upgrade your seat during your original booking (at or with a reservations specialist) and use your SkyMiles to pay the difference between main cabin fare and a business class, first class, or Delta One fare on eligible U.S. flights!

Join Delta Sky Club

Having access to the Delta Sky Club for a discounted price of $29 with a Delta business credit card is an excellent perk. But how about becoming a Sky Club member?

Executive Membership gives you unlimited access (including 2 guests each time you visit) and requires 70,000 miles.

Individual Membership gives you unlimited access for yourself. If you want to bring up to 2 guests, it will cost $29 per guest per visit. You’ll need to redeem 47,000 miles for this option.

Pay With Miles

With the DeltaGold Business card, you can Pay With Miles to reduce the price of a ticket. Start redeeming at 5,000 miles; every 5,000 miles will reduce the cost of your ticket by $50.

Use Miles to Shop

Whether you want to get a magazine subscription, shop the SkyMiles Marketplace, or bid on a once-in-a-lifetime experience, all it takes is the right amount of SkyMiles!

Delta Private Jets

OK, this option is a little more extravagant than the others! But for 2.5 million miles (yes, million), you can redeem a $25,000 Delta Private Jets card! See Private Jet Travel terms and conditions for more info.

Although the card doesn’t have specific partners, there are plenty of travel partners in the SkyMiles program.

Airline Partners

AeroflotGaruda Indonesia
Aerolineas ArgentinasKenya Airways
Air EuropaKorean Air
Air FranceMiddle East Airlines
AlitaliaSaudia Airlines
Delta Air LinesTarom
China AirlinesVietnam Airlines
China EasternXiamen Airlines
Czech Airlines

Non-Alliance Partners: Alaska Airlines, Great Lakes Airlines, Hawaiian Airlines, Virgin Australia, GOL, Virgin Atlantic, WestJet

Other Partners

Hotel Partners: Marriott, IHG, Accor Hotels, Hyatt, Langham, Maritim, Millennium, New Otani, Nikko, Okura, Shangri-La, Taj, Worldhotels, Hilton, Prince, JAL City, Radisson

Car Rental Partners: Hertz, National, Europcar, AlamoEnterprise

Alternative Cards to the Delta Gold Business Card

You really need to fly Delta regularly to get value from the Delta Gold Business Card.

Without flying Delta, you won’t be able to earn as many miles and won’t be able to redeem for Delta flights, which is the redemption option with the highest value.

In that case, you are better off with another business credit card like the Business Green Rewards Card from American Express.

With it, earn 2x points for travel booked on American Express Travel (not just Delta), and 1x points for everything else.

Bottom Line: If you’re not flying Delta frequently, the Delta Gold Business card might not offer you enough value. There are great alternative cards to choose from.

For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.

The Gritty Details: Everything Else You Need to Know

No matter which business credit card you use, it’s important to be aware of the rules.

Be sure to pay your balance in full each month so you don’t lose any SkyMiles you’ve earned for that cycle.

One of the great things about Delta SkyMiles is that there are no blackout dates. However, keep in mind that there may be blackout dates on partner carriers.

Remember you’ll earn 2x SkyMiles for Delta purchases, including upgrades, Delta Sky Club passes or membership, most inflight purchases, and more on Delta-operated flights.

Inflight purchases that are not covered include wireless internet access, movies and shows, and charitable contributions.

Bonus miles post in approximately 8 to 12 weeks as long as your account is active.

Other Unique Features

The following business benefits come with American Express business cards:

Online statements – Check your account and view your purchase history online with online statements.

ReceiptMatch – Add photos, tags, and notes to transactions on your online statement.

Account alerts – Set up account alerts to warn you when your due date is near and monitor employee card use.

Dispute resolution – If there is fraudulent activity on your card or an issue with incorrect charges, American Express will resolve the problem.

Mobile and tablet apps– Access your account on mobile and tablet apps from anyplace.

Account manager – Assign an account manager (18 or older) to manage employee cards, make payments, review statements, and other tasks.

American Express also makes a variety of benefits available to cardholders, such as:

Return protection – If you are unable to return an item purchased with the card to the merchant from whom you made the purchase within 90 days, you may be entitled to a refund. The maximum refund is $300 per item and $1,000 per year.

Purchase protection – If an item is stolen or damaged within 90 days after purchase, you may be covered.

Extended warranty – Make a purchase with the card and add up to a year to the warranty.

Baggage insurance plan – Members can be confident their checked bags are protected against loss, damage, or theft up to $500. Carry-on bags are also covered up to $1,250

Travel accident insurance – Use your card to book a trip and you’ll be covered in case of accidental death or dismemberment.

Global assist hotline – Call the global assist hotline for help if you become ill, lose a passport, or have another travel problem when at least 100 miles from home.

Roadside assistance hotline – Stay safe on the road with roadside assistance, a service that provides help recharging batteries, changing flat tires, and more.

Car rental loss and damage insurance – Use the card to book and pay for your rental car, and receive protection if it is lost or stolen.

Frequently asked questions

Why should I get the Delta Gold Business card?

The card earns 2x SkyMiles for Delta purchases, eligible U.S. purchases for advertising in select media,  eligible U.S. shipping purchases, and on ever eligible dollar spent at restaurants. Plus, earn 1x miles for everything else.

Redeem SkyMiles for travel on Delta and SkyTeam member airlines as well as with other travel and non-travel partners.

This card comes with benefits like a free checked bag, Main Cabin 1 priority boarding, and discounted passes to the Sky Lounge.

As a cardholder, you also get access to a suite of small business tools like online statements, mobile and tablet apps.

The annual fee of $99 is waived for the first year.

What are the benefits of the Delta Gold Business card?

Benefits of the card include a free checked bag and priority boarding.

The card also comes with a suite of small business tools and a variety of shopping and travel insurances.

Does the Delta Gold Business card have a foreign transaction fee?

No, there are no foreign transaction fees with the card.

What small business benefits come with the Delta Gold Business card?

Small business benefits that come with the card include online statements, account alerts, ReceiptMatch, mobile and tablet apps, and the account manager feature.

What is the annual fee for the Delta Gold Business card?

The annual fee is $99 per year, but your first year is free.

Can I earn Membership Rewards with the Delta Gold Business card?

No, the card only earns Delta SkyMiles.

Does the Delta Gold Business card have any travel partners?

No, there are no travel partners with the Delta business card specifically. However, the Delta SkyMiles program has airline, hotel, and other travel partners.

Delta is also a member of the SkyTeam Alliance.

Do SkyMiles earned with the Delta Gold Business card expire?

No, your SkyMiles will not expire as long as you keep your account open and in good standing.

How long does it take Delta SkyMiles to post to my Delta Gold Business card account?

It can take up to 12 weeks for SkyMiles to post, but it is often much sooner.

How much are Delta SkyMiles worth?

It depends on what you redeem them for, but Delta SkyMiles can be valued from $0.005 to $0.015 each.

How can I get a companion ticket with the Delta Gold Business card?

There is no companion ticket offer for this card.

How do I log in to my account with the Delta Gold Business card?

Log in to your account at

Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

Travel prices are about to surge from pent-up demand.

Use this points strategy to lock in pennies-on-the-dollar pricing in 2021, all without being a frequent flyer...

How do I only pay $30 to go to Hawaii, $200 for business class to Asia or just $150 to Europe?

Discover the real-life strategies that anyone can use to enjoy limitless travel (even on a limited budget!)

Just sign up below and I’ll send you the Limitless Travel Playbook instantly:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Yvonne J Burr December 18, 2020

    I applied for this card when I booked a flight through Delta airlines and I was approved. The only reason I applied is because I was offered a $200 discount on my reservation if I was approved and when I looked at my reservation the 200 discount was not applied. That is false advertisement! I am very upset and want to cancel my application and not deal with your company at all. Why was I offered that discount and then it wasn’t applied?


    • Hi Yvonne,

      I’m sorry that you’ve had this experience, but we do not have any affiliation with American Express or Delta. We are Upgraded Points, a website that publishes helpful travel information. With that said, it is most likely the case that you will receive the $200 as a statement credit, but it might take a few weeks to post to your account. If you want to speak to someone directly I recommend you call the customer service number on the back of Delta SkyMiles Gold card, and they should be able to assist you.


Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.