Delta SkyMiles Gold Business American Express Card

Quick Snapshot

• Annual Fee: $150
• APR: 21.49%-30.49% variable
• Rewards: 3X Delta, 2X restaurants/supermarkets, 1X everything else
• Bonus: 75,000 bonus miles after $3,000 in purchases in 6 months
• Best For: Business owners who fly Delta regularly and want checked bags, priority boarding, and strong everyday earning
• Credit Needed: Good to Excellent (670+)

Overview

The Delta SkyMiles Gold Business American Express Card is the business counterpart to the personal Delta Gold card, offering the same core benefits with the added advantage of being a separate product that does not count against Amex's personal card limits. For $150 per year, business travelers get 3X miles on Delta purchases, 2X at restaurants worldwide and U.S. supermarkets, and 1X on everything else, plus the essential Delta flight-day perks.

The 75,000-mile welcome bonus after $3,000 in spending over six months is worth approximately $975 in Delta flights. The generous six-month window makes it easy to meet organically through normal business spending. The free first checked bag on Delta flights extends to companions on the same reservation, saving $35 per person per direction. Priority boarding ensures overhead bin space during busy flights.

The card also earns Medallion Qualification Miles through spending, helping business owners who are chasing Silver or Gold Medallion status. For business travelers who fly Delta 3 to 8 times per year and want the core flight-day benefits on a business card, the Gold Business card delivers strong value. It also allows you to keep personal and business Delta spending separate for accounting purposes while still earning SkyMiles into a single account.

APR Breakdown

• Purchase APR: 21.49%-30.49% variable
• Balance Transfer APR: N/A
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. American Express does not charge a penalty APR on this product.

Benefits Overview

SkyMiles Earning

• 3X miles on Delta purchases
• 2X miles at restaurants worldwide
• 2X miles at U.S. supermarkets
• 1X miles on all other eligible purchases

Flight-Day Benefits

• First checked bag free on Delta flights for you and companions on the same reservation
• Priority boarding in Main Cabin 1
• 20% back as a statement credit on eligible Delta in-flight purchases
• No foreign transaction fees

Business Tools

• Employee cards at no additional cost
• Spending controls and limits for employee cards
• Year-end spending summaries for tax preparation
• Separate business and personal Delta spending for accounting

Status and Travel

• Earn Medallion Qualification Miles through card spending
• Trip delay insurance
• Baggage insurance plan
• Car rental loss and damage insurance

Rewards & Points

• 3X miles on Delta purchases
• 2X miles at restaurants worldwide and U.S. supermarkets
• 1X miles on all other eligible purchases

The business version of the Delta Gold card allows you to hold both this card and the personal Delta Gold simultaneously, earning separate welcome bonuses and maintaining independent credit lines. All SkyMiles earned flow into a single Delta SkyMiles account regardless of which card earns them.

Welcome Bonus

Earn 75,000 bonus miles after you make $3,000 in eligible purchases on your new card within the first 6 months of card membership. At average Delta redemption values, this bonus is worth approximately $975 toward domestic and short-haul international Delta flights. The $3,000 requirement over 6 months is very manageable for business spending.

Fees Summary

• Annual Fee: $150
• Employee Card Fee: $0
• Balance Transfer Fee: N/A
• Cash Advance Fee: Either $5 or 3% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Business travelers on Delta who fly 3 to 8 times per year and check bags
• Restaurant and dining businesses that spend heavily on client dinners and team meals
• Business owners seeking status who want MQMs through card spending toward Medallion
• Dual-card holders who want both personal and business Delta Gold cards

Not Good For

• Infrequent flyers who fly Delta fewer than 3 times per year
• Sky Club seekers who need lounge access for business travel
• Carry-on-only travelers who never check bags and do not benefit from the primary perk

Key Pros & Cons

Pros

• Free first checked bag saves $35 each way for you and companions on the reservation
• 75,000-mile welcome bonus worth approximately $975 with a generous 6-month window
• 3X on Delta purchases accelerates SkyMiles earning on business flights
• 2X at restaurants and supermarkets covers common business expenses
• Priority boarding ensures overhead bin access on busy flights
• Employee cards at no extra cost for team travel
• Separate business accounting while earning into a single SkyMiles account
• Earn Medallion Qualification Miles through card spending
• No foreign transaction fees for international business trips

Cons

• $150 annual fee requires regular Delta flying to justify
• 1X base rate on non-bonus spending is below average
• No companion certificate or Sky Club access
• No Medallion status included automatically
• Supermarket bonus limited to U.S. locations
• No introductory APR offer
• Miles locked into the Delta ecosystem
• Welcome bonus requires opening as a business product

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $1,695 including welcome bonus at $975, checked bag savings at $350 (estimated 5 round trips for two), and points earned, minus the $150 annual fee. Based on SkyMiles at 1.3 cents each.

Should You Get This Card?

You Should Get It If...

• You fly Delta for business 3 or more times per year and check bags
• You want a business card separate from your personal Delta card
• You spend significantly on client dining and want 2X at restaurants
• You are pursuing Medallion status through combined flight and spending MQMs
• You need employee cards for team members who also fly Delta
• You want to earn a welcome bonus separate from your personal Delta card bonus

You Should Skip It If...

• You fly Delta fewer than 3 times per year for business
• You never check bags on Delta flights
• You want Sky Club lounge access for business travel
• You prefer flexible travel points over airline-specific miles
• You already have the personal Delta Gold and do not need a duplicate benefits set
• You want a companion certificate, which requires the Platinum or Reserve business card

Apply Now

Apply for Delta SkyMiles Gold Business American Express Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.