Delta SkyMiles® Gold Business American Express Card Review

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The Delta SkyMiles® Gold Business American Express Card is the entry-level business card from Delta, carrying the lowest annual fee of Delta's business cards, and offering fewer benefits than it’s more expensive siblings.

Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold Business American Express Card
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Rates & Fees
(Terms apply)
Delta SkyMiles® Gold Business American Express Card
Annual Fee$0 introductory annual fee for the first year, then $99
Welcome Offer Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
  • Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
  • Additionally, take $100 off your next Delta flight - after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
  • Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you travel overseas.
  • $0 introductory annual fee for the first year, then $99.
  • Terms and limitations apply
  • Rates & Fees
  • 2X Miles per dollar spent on purchases made directly with Delta
  • 2X miles per dollar on eligible U.S. purchases for advertising in select media
  • 2X miles per dollar on eligible U.S. shipping purchases
  • 2X miles per dollar on dining
  • 1X miles per dollar on all other purchases

Highlights of the card include a rewarding welcome bonus, free first checked bag, priority boarding, and the annual fee waived for the first year (Rates & Fees). In addition to the Business Gold Delta Amex, the Delta credit card family offers two cards:

The Business Gold Delta Amex has some great features if you regularly fly Delta and can make use of the benefits, or if you live in a Delta hub and need to fly Delta. But does it offer stand-alone value for the average small business owner? We’ll dig into the details and let you decide.Delta Airlines Aircraft

Welcome Bonus of Limited Time Offer: Earn 60,000 bonus miles SkyMiles

New cardholders of the Business Gold Delta Amex can earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.

The 60,000-mile offer on the Business Gold Delta Amex has an achievable minimum spend, well within the spending threshold of most business owners. Bear in mind, you're only eligible for a welcome bonus once per lifetime for each American Express product.

Earning Potential Outside the Welcome Bonus

One of the drawbacks of the card is the lackluster bonus categories and no additional methods of earning bonus miles on spending. The card earns 2 miles per dollar spent on purchases made directly with Delta, and 1 mile for every dollar spent on other purchases. In January 2020, Amex added 2X earning categories for eligible U.S. purchases for advertising in select media, eligible U.S. shipping purchases, and dining at restaurants worldwide.

While this is certainly an improvement, it doesn't put the card in the same league as other business cards that earn 3X or more in similar categories. For example, if you make frequent online ad buys or shipping purchases, you could earn 3X points on the first $150,000 in combined purchases in those categories with the Ink Business Preferred® Credit Card. Not only is 3X better than 2X, but the Ultimate Rewards earned by the Ink Preferred are significantly more valuable and versatile than Delta SkyMiles.

Delta Benefits That Could Save You Hundreds of Dollars a Year

One of the motivating factors for keeping the Business Gold Delta Amex is the first checked bag free on every Delta flight which could save you up to $60 per round-trip. The card charges a $0 introductory annual fee for the first year, then $99, so you only need to take two round-trip flights on Delta with checked baggage to offset the card’s out-of-pocket expense for the first two years.

Another benefit of the card tackles one of the pain points of regular air travel: boarding. No need to worry about the typical herding in long lines to enter the aircraft because the Business Gold Delta Amex offers priority boarding, allowing you early access to the plane to get settled, and mitigating the chance of a full overhead locker in which to stash your carry-on.

You also get a 20% discount on in-flight meals, alcoholic beverages, and entertainment options when paid for with your Business Gold Delta Amex, returned as a statement credit against your next monthly account.

Who Should Apply for the Business Gold Delta Amex?

With a decent welcome bonus, the first year with the annual fee waived, free checked bag, and in-flight discounts, the Business Gold Delta Amex is an easy to understand airline rewards card with tangible benefits that have a measurable dollar value.

The card is a good fit for small business owners that value simplicity, and, with the affordable annual fee which is waived for the first year, low out-of-pocket expenses (additional employee cards cost $0 - Rates & Fees).

It also presents another rewards card option that doesn’t show up on your Chase 5/24 count, leaving you in a position to move on good Chase rewards cards when the bonuses are high.

Downsides to the Business Gold Delta Amex Card

This one should be a no-brainer, but; if you don’t fly Delta, this is not the card for you. Additionally, if you already have Delta Elite status, or you are looking to gain it, then the Business Platinum Delta Amex or Business Delta Reserve cards may be a better option as they earn Medallion Qualifying Miles.

Another downside is Delta’s lack of transparency and limited high-value redemptions. It is hard to know if you are getting top value for your SkyMiles when there is no award chart to compare what rates are available, and we need to mention Delta’s recent history of unannounced award changes.

If you fly airlines other than Delta you will be better off with business cards that earn high-value flexible points like the Ink PreferredThe Business Platinum Card® from American Express, or Marriott Bonvoy Business™ American Express® Card.

Final Thoughts

The Delta SkyMiles® Gold Business American Express Card is a solid low-cost airline miles card with a 60,000-mile welcome bonus and some great benefits for everyday Delta flyers.

If you are looking for account simplicity, free checked bags, and a way of adding miles to your SkyMiles account, have a closer look at the Business Gold Delta Amex benefits on the Amex website to see if it's right for you.

For rates and fees of the cards mentioned in this post, please visit the following links: Delta SkyMiles® Gold Business American Express Card (Rates & Fees)

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Comments

  • I would wait for a higher bonus, too. I have seen up to 70k.

  • I barely fly them I would much rather wait for a higher sign up bonus

  • Delta seems to target current SkyMiles program members for the higher sign-up bonuses, so it’s worth it for anyone who isn’t already a member to sign up. I received a 60k mile offer about a month ago even though I rarely fly Delta.

  • Really hope to see another co-branded Canadian Delta SkyMiles card.

  • Delta’s “no award chart” policy just gives me pause in getting these miles

  • I’ll get this at some point. Currently offered 50k, but I want to see if I can get 70k.

  • 30k is no great offer

  • I would only get this card for the sign up bonus only when they go to 60k at least. The card is only worth using regularly if you fly Delta a ton (in which case the free checked bag is likely useless). As it is the SPG card has the same earning on regular purchases of 1 point/mile per dollar, however they give a 25% transfer bonus to Delta for 20K transactions. So unless Delta purchases make up at least 25% of your spending on the card, the SPG will come out ahead. Also I wouldn’t want to be limited to a single awards program miles and Delta has been known as one of the stingiest when it comes to redeeming miles.

  • I would definitely wait for a higher bonus. Frankly 70K is seen relatively often. Pretty sure that’s what I signed up for years ago.

  • I have never had the Gold Delta Skymiles Business Credit Card. I will wait until they offer at least 50k miles.

  • 30k is kind of the standard offer isn’t it? I believe bonuses for this card have been as high as 60 and 75k. With the once-a-lifetime limit that AmEx imposes, particularly for personal cards, it would be wise to wait for a better offer.