Delta SkyMiles® Gold Business American Express Card Review

The Delta SkyMiles® Gold Business American Express Card is a travel rewards card that targets business owners. For a business traveler who frequently uses Delta, the card provides reward perks that could be worth pursuing. However, for the more general business traveler, the card’s benefits are a bit uninspired. Additionally, the card’s APR is slightly higher than those of some of its competitors, but its annual fee is on par with the rest.

The Essentials of the Delta SkyMiles® Gold Business American Express Card

  • APR: 17.24% – 26.24% variable
  • Annual Fee: $0 for the first year, then $99
  • Primary Feature: Earn 2 miles for every eligible dollar spent on Delta and 1 mile for all other purchases
  • Introductory Bonus Offer: Earn 60,000 bonus miles after spending $2,000 in the first 3 months ($50 statement credit is no longer available, new offer is: $100 Delta Flight credit when you spend $10,000 on the card in a calendar year.

What’s Interesting about the Delta SkyMiles® Gold Business American Express Card

The Delta SkyMiles® Gold Business American Express Card offers bonuses for frequent Delta business travelers. For example, the airline gives cardholders their first checked bag free of charge, and the same for any other passengers traveling under the same reservation. Up to 8 passengers can get a free checked bag. A first checked bag on Delta costs $30 one-way, so this could save a lot for a group trip or for a card member who travels often.

Also, cardholders qualify for early boarding — specifically, Main Cabin 1 Priority Boarding. This helps members find space for carry-on baggage and to get comfortable before the plane becomes crowded. While on board, you can also get 20% off select in-flight purchases.

Additionally, the card charges no foreign transaction fees, which can be useful for international travelers. Plus, members can gain access to the Delta Sky Club for a discounted rate of $29 per passenger. Unfortunately, however, this benefit is only set to last through January 30, 2020, when Delta plans to discontinue its sale of individual lounge tickets.

Things to Consider

If you don’t travel solely with Delta, this card might not be worth pursuing. It’s not the best option for general business spending since you can’t obtain double the miles on routine purchases like office supplies or restaurants. Other cards offer double miles for purchases like these.

Moreover, American Express isn’t as widely accepted around the world as other card networks like Visa or MasterCard. This limitation could make it a less convenient choice for global business travelers.

How to Get the Most from this Card

If you are a regular business flyer on Delta, the bonuses like a free checked bag and priority boarding could make this card worth it for you. Earn 60,000 bonus miles after spending $2,000 in the first 3 months ($50 statement credit is no longer available, new offer is: $100 Delta Flight credit when you spend $10,000 on the card in a calendar year.

The rates fall between 17.24% – 26.24% variable APR on the Delta SkyMiles® Gold Business American Express Card. These rates are decent but a bit higher than other similar credit cards. Also, the card has no reduced introductory APR like some others do. If you’re a business traveler who flies a variety of airlines, you might consider a broader travel rewards card that you can use on more than one airline.

If your goal is to become an elite Delta traveler, this card can help you get there. You can receive a waiver of Delta’s minimum Medallion Qualification Dollar amount — the total you have spent with Delta that’s tied to your member number — if you spend $25,000 on qualifying purchases in a calendar year. Nonetheless, Delta plans to end this waiver program at the end of 2019.

Other Card Options that Might Interest You

Not sure the Delta SkyMiles® Gold Business American Express Card is for you? We have 2 other card options that might interest you: the United℠ Business Card and The Business Platinum® Card from American Express.

The United Explorer Business Card allows you to earn 2 miles per $1 spent in places like restaurants, office supply stores and gas stations. Plus, you get 1 free checked bag per flight as well as 2 one-time-use United Club℠ passes each year, which United sells for $59 per pass. The annual fee for this card is also $99, and it comes with a similar APR of 17.99% – 24.99%.

The Business Platinum Card from American Express provides 5x Membership Rewards points on flights and prepaid hotels on amextravel.com. Additionally, you get a $200 credit toward flight incidentals on the airline of your choice each year. The Business Platinum Card from American Express has no interest rate because you pay the card off in full each month unless you sign up for the Pay Over Time option. You can also get an array of other travel perks, such as access to WeWork shared offices and up to a $100 credit for Global Entry or TSA Pre-check at the airport every 5 years.

However, the Business Platinum Card from American Express costs $595 annually, so it’s not a great option for small businesses or infrequent travelers.

The Final Word

Who could get the most out of this card? A business flyer who travels solely on Delta could find the perks of this card worth the fee. However, the rewards are changing at the end of January this coming year. Both the offers for the reduced-priced entry ticket to the Delta lounge and the Medallion Qualification Dollar Waiver are ending on January 29, 2020. So, be sure to factor these upcoming changes into your considerations when selecting a credit card.

A casual flyer or a person who travels using multiple airlines could find a better fit with a more general travel rewards credit card.

Tiffany Verbeck

Personal Finance Contributor

Tiffany Verbeck is a personal finance expert. She uses her storytelling skills gained from a master’s degree in writing to run a freelancing business focused on helping people make and manage their money.