Delta SkyMiles® Gold Business American Express Card
This card is for small business owners who fly Delta a few times a year and want business categories to earn miles. It earns 2X on Delta purchases, at restaurants, at U.S. shipping providers and on U.S. advertising in select media, and 1X elsewhere. The annual fee is $0 the first year, then $150. The caveat: the shipping and advertising 2X each stop at $50,000 of purchases a year, and the rideshare credit begins after the first renewal.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- First checked bag free worldwide and second bag free on domestic Delta flights, for you and companions on your reservation
- Zone 5 priority boarding on Delta flights
- Up to $150 a year back on Delta Stays prepaid hotel and vacation rental bookings
- $200 Delta Flight Credit toward future travel after $10,000 of purchases in a calendar year
- $120 rideshare credit per year after your first renewal, paid as up to $10 a month
- 15% off the miles price of Delta award flights and 20% back on in-flight purchases
- No foreign transaction fees and a $0 introductory annual fee for the first year
- Annual fee: $0 introductory for the first year, then $150
- Purchase APR: 19.49% - 28.49% Variable, set by the issuer based on your creditworthiness
- Intro purchase APR: N/A
- Balance transfers: not offered on this card
- Cash advance APR: 28.74% Variable, fee is either $5 or 3% of each cash advance, whichever is greater
- Penalty APR: up to 29.99% Variable can apply after a late or returned payment, for at least 12 billing periods
- Late payment fee: Up to $39. Returned payment fee: Up to $39
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business ships or advertises and you want those bills to earn 2X Delta miles.
- You or your staff check bags on Delta a few times a year, which covers the fee on its own.
- You book work hotels through Delta Stays and can use the $150 credit each year.
- You should skip this card if your business spends heavily across many categories. A flexible business rewards card will earn more than 1X on the rest.
Delta SkyMiles® Gold Business American Express Card Review
The Delta SkyMiles® Gold Business American Express Card is the entry business card in Delta's line. This review covers the business earning categories, the airport perks and whether $150 a year makes sense for a company with a handful of Delta trips.
How You Earn
The 2X categories match common small business bills, with annual caps on shipping and advertising.
- 2X miles on purchases made directly with Delta
- 2X miles at restaurants worldwide, including takeout and delivery in the U.S.
- 2X miles at U.S. shipping providers, up to $50,000 in purchases per year
- 2X miles on U.S. advertising in select media, up to $50,000 in purchases per year
- 1X miles on all other eligible purchases
| Category | Earn rate |
|---|---|
| Delta purchases | 2X miles |
| Restaurants | 2X miles |
| U.S. shipping (up to $50,000 a year) | 2X miles |
| U.S. advertising (up to $50,000 a year) | 2X miles |
| Everything else | 1X miles |
How You Redeem
Miles post to the Delta SkyMiles account of the primary Card Member and redeem through Delta.
- Delta award flights at a 15% miles discount for Card Members
- Pay with Miles at $50 per 5,000 miles on paid Delta tickets
- Partner airline awards, Delta Vacations and upgrades
Benefits and Protections
The airport benefits mirror the consumer Gold card, with a larger Delta Stays credit.
- First checked bag free worldwide, second bag free on domestic Delta flights
- Zone 5 priority boarding
- Up to $150 Delta Stays credit each year
- $200 Delta Flight Credit after $10,000 of annual spend
- $120 rideshare credit per year after the first renewal
- 20% back on in-flight purchases
- No foreign transaction fees
Who This Card Is For
This card fits a small company with a few Delta trips a year and real shipping or advertising bills. It is not a status card and has no lounge access. Owners who fly Delta monthly should compare the Platinum Business and Reserve Business tiers.
- Owner-operators who fly Delta and check bags
- Businesses with shipping and advertising spend under $50,000 a year in each category
- Companies that want a first-year fee waiver
Comparison
| Feature | Delta SkyMiles® Gold Business | United℠ Business Card | Citi® / AAdvantage Business™ World Elite |
|---|---|---|---|
| Annual Fee | $0 first year, then $150 | $150 | $0 first year, then $99 |
| Welcome Offer | 90,000 miles after $6,000 in 6 months | Up to 110,000 miles plus 2,000 PQP, $5,000 in 3 months | 65,000 miles after $4,000 in 4 months |
| Rewards Rate | 2X Delta, dining, U.S. shipping and advertising | 2X United, gas, dining, office supply, transit | Miles on AA purchases, rate on issuer page |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Small businesses that fly Delta | United-flying small businesses | American-flying small businesses |
Issuer Comparison
| Feature | Delta SkyMiles® Gold Business | Delta SkyMiles® Platinum Business | Delta SkyMiles® Reserve Business |
|---|---|---|---|
| Annual Fee | $0 first year, then $150 | $350 | $650 |
| Welcome Offer | 90,000 miles after $6,000 in 6 months | 100,000 miles after $8,000 in 6 months | 200,000 miles after $20,000 in 6 months |
| Rewards Rate | 2X Delta, dining, U.S. shipping and advertising | 3X Delta and hotels, 1.5X transit and shipping | 3X Delta, 1.5X transit, shipping, office supply |
| Key Credits | $150 Delta Stays, $200 flight credit, $120 rideshare | $200 Delta Stays, $120 Resy, $120 rideshare, companion | $250 Delta Stays, $240 Resy, $120 rideshare, Sky Club |
| Best For | Small businesses that fly Delta | Business owners building Medallion status | Business travellers who live in Sky Clubs |
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