The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.


  • Delta SkyMiles® Gold Business American Express Card

    Great rewards for Delta loyalists


    • 1–2 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $99Annual Fee
    • Good–ExcellentRecommended Credit

    Delta SkyMiles® Gold Business American Express Card

    Terms, rates and fees apply

The Delta SkyMiles® Gold Business American Express Card is a prime selection for businesses on the go, particularly those frequently flying with Delta. Whether you're dining out or investing in U.S. advertising, this card ensures your spending translates to rewarding miles. Alongside notable travel perks with Delta, this card further sweetens the deal with practical travel protections and no annual fee for its initial year. While it may not be the universal rewards card for everyone, it’s an efficient, bespoke travel partner with advantages for those aligned with its perks. Dive in to discover how it can elevate your business travels.

Delta SkyMiles® Gold Business American Express Card Overview

When choosing a credit card, understanding its array of features is key to maximizing benefits and avoiding pitfalls. Our unbiased analysis of the Delta SkyMiles® Gold Business American Express Card aims to equip you with the nuanced insights you need to determine if it's the right fit for your business and travel needs.

  • Rewards rate: Earn 2 miles per dollar on direct Delta purchases and at restaurants and select U.S. advertising and shipping purchases, amplifying the value for businesses in these domains. Then 1 mile per dollar on other purchases.
  • Welcome offer: Earn 50,000 Bonus Miles after spending $2,000 in the first 3 months
  • Regular APR: 20.99% – 29.99% Variable
  • Annual fee: $99, $0 intro annual fee for the first year
  • Intro APR offer: None

Important Card Details

Each business credit card comes with unique features designed to cater to different needs. Our in-depth analysis of the Delta SkyMiles® Gold Business American Express Card aims to clarify its perks and explore the pros and cons to help you make an informed decision tailored to your business and travel lifestyle.

  • rewards icon

    Rewards Rates

    The Delta SkyMiles® Gold Business American Express Card offers a tailored reward structure, perfect for those frequently engaging with Delta or dining out. Earning 2X miles on Delta purchases, as well as at restaurants and on select U.S. advertising and shipping purchases. While the 1X miles on all other spending is standard, the specialized 2X categories provide an opportunity for strategic spenders to maximize benefits, especially when aiming to reduce travel costs.

  • airplane icon

    Delta Perks

    Delta loyalists will benefit from exclusive perks like free checked bags, priority boarding, 20% off in-flight purchases and a 15% saving on Delta-operated flights when redeeming miles. The additional $100 Delta Flight Credit after significant annual spending offers a direct incentive for loyalty to Delta. These perks create a cohesive travel experience, adding comfort and savings, and making the card an appealing option for frequent Delta flyers.

  • travel icon

    Travel Protections

    The Delta SkyMiles® Gold Business American Express Card offers sound travel protection policies that demonstrate a commitment to travelers' peace of mind. These include travel accident insurance, car rental insurance and roadside assistance. With a card that covers various travel contingencies, the cardholder can travel with a greater sense of security and focus on the business at hand.

  • annualFee icon

    Annual Fee

    The annual fee of $99, $0 intro annual fee the first year, presents an attractive entry point, especially compared to the benefits provided. Considering the value-added Delta perks, reward rates and travel protections, the fee represents a modest cost that can be easily recouped — particularly for businesses with frequent travel needs or those focusing on U.S. advertising and shipping.

How the Delta SkyMiles® Gold Business American Express Card Compares

Our comparison of the Delta SkyMiles® Gold Business American Express Card and its competitor offers a comprehensive perspective, helping you identify which card best aligns with your unique financial and travel objectives.

How This Card Compares

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Delta SkyMiles® Gold Business American Express Card

  • Rewards rate: Earn 2 miles per dollar on direct Delta purchases and at restaurants and select U.S. advertising and shipping purchases, then 1 mile per dollar on other purchases
  • Welcome offer: Earn 50,000 Bonus Miles after spending $2,000 in the first 3 months
  • Regular APR: 20.99% – 29.99% Variable
  • Annual fee: $99, $0 intro annual fee for the first year
  • Intro APR offer: None
  • Best for: Businesses with a strong alignment with the specialized rewards categories, mainly those frequently flying Delta, who can take full advantage of the travel perks and initial no-annual-fee offer.
creditCard1 icon

Ink Business Preferred® Credit Card

  • Rewards rate: 3:1 travel, shipping, internet, cable, phone services and advertising purchases ($150,000 combined purchases yearly). 1:1 general purchases
  • Welcome offer: 100,000 points after spending $8,000 in the first three months
  • Regular APR: 21.24% – 26.24% Variable
  • Annual fee: $95
  • Intro APR offer: None
  • Best for: Businesses with significant spending in the card's high-reward categories like travel and advertising, and those that can meet the substantial initial spending requirement to capitalize on the generous welcome bonus.

About Grace Pilling


Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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