Delta SkyMiles® Gold Business American Express Card Review

The Delta SkyMiles® Gold Business American Express Card is a business credit card with travel rewards for Delta Air Lines. If you’re looking to earn miles to help your business save money on trip expenses, this could be the right card for you. With a low annual fee, a reasonable APR and exciting travel perks, this card could help your business spend less on travel. On the other hand, the rewards aren’t as enticing as some other cards on the market.

Take a look at our breakdown of the best and most exciting features of the Delta SkyMiles Gold Business American Express Card to help you decide if it’s right for you and your business.

Down to business with the Delta SkyMiles Gold Business American Express Card

  • APR: 17.24%-26.24% variable.
  • Annual Fee: $0 for the initial year, then $99.
  • Rewards Rates: Receive 2x miles for every dollar you spend on Delta purchases, specific advertising purchases, as well as domestic shipping and dining expenses. Receive 1x mile for everything else.
  • Intro Offer: Gain 60,000 bonus miles when you spend $2,000 in the first 90 days, and another 10,000 after your account has been open for at least a year.

Perks and features of the Delta SkyMiles Gold Business American Express Card

  • One complimentary checked bag: Check in one piece of luggage without paying the fee on each flight you take with Delta, which can save you $30 each way.
  • Priority boarding: Board the plane early with Main Cabin 1 Priority Boarding passengers on any Delta flight.
  • $100 flight credit: After you spend $10,000 each year, you’ll receive a $100 voucher toward any Delta flight.
  • Save while flying: Save 20% on in-flight purchases on any Delta trip in the form of a statement credit.
  • No foreign transaction fees: Never pay to swipe your card when you travel abroad, which can save you up to a 3% fee per transaction.
  • Travel protection: Get baggage insurance when you book a reservation on any transportation service (bus, train, plane or ship) using this card. You’ll get up to $1,250 for damage, loss or theft of carry-on luggage and up to $500 for anything you check in. You’ll also receive car rental collision coverage when you book with this card.

Is the Delta SkyMiles Gold Business American Express Card right for my business?

If you want to maximize the benefits of the Delta Skymiles Gold Business American Express card, you’ll need to spend $2,000 in the first three months after opening your card to receive 60,000 bonus miles. This spending requirement is low compared to some other cards.

You’ll also want to use this card for all Delta purchases, as well as for different reward categories including U.S. shipping merchants (courier, postal and freight shippers only; does not include shipping for retail purchases or moving services), U.S. advertising in media (online, television and radio advertising only; does not include direct mail services like lead or list generation) and U.S. restaurants (does not include restaurants inside another establishment or cafeterias, bars, nightclubs and convenience stores).

This card is excellent for your company if you already travel with Delta Air Lines or could be convinced to switch to the airline. Furthermore, you’ll receive employee cards at no additional fee and built-in expense management tools brought to you by American Express. This card could help your company stay on top of its spending while earning rewards at the same time.

However, if you’re looking to stretch out your rewards with your business credit card, you may want to consider the Spark Miles Credit Card from Capital One. For a slightly lower annual fee of $95, you’ll get a higher rewards rate of 2x miles for every purchase, along with 5x miles for hotel and rental car purchases.

With the Spark Miles Credit Card from Capital One, you don’t have to track categories to maximize your rewards. The annual fee is also waived for the first year with this card and the APR will likely be lower, at 18.49% variable. You’ll also get a $100 statement credit when you purchase Global Entry or TSA Pre✓ ® with the Spark Miles Credit Card from Capital One. However, you don’t receive a free checked bag on each flight and this Capital One card isn’t airline-specific, which could be a drawback depending on your needs.

The bottom line

If you are in the market for a Delta co-branded credit card with a low annual fee, a decent APR and solid rewards, the Delta SkyMiles Gold Business American Express Card is a great option. For business owners who are interested in consistently flying with Delta, this card could help your business earn miles to use toward future travel. Additionally, the cost savings of a checked bag every time you or your employees travel is fantastic — up to $60 for every roundtrip.

If you don’t travel much for business, this might not be a compelling card for you. The rewards program on the Delta card is complicated, as it carries several stipulations on which vendors qualify for bonus rewards. If you’re looking for a more straightforward program, you should consider another travel business credit card like the Spark Miles Credit Card from Capital One. For anyone who doesn’t want to keep track of rewards to earn miles or doesn’t spend much in advertising or shipping, there are other travel business credit cards in the market that could be a better fit for you.