Is the Delta SkyMiles Gold Business card annual fee worth it?

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The Delta SkyMiles® Gold Business American Express Card is a great option for small-business owners, especially those who travel frequently on Delta. It’s currently offering an increased bonus of up to 70,000 Delta miles — 60,000 miles after you spend $2,000 on purchases in the first three months of account opening and an additional 10,000 bonus miles after your first cardmember anniversary.

The annual fee for the Delta SkyMiles Gold Business Amex Card is $99 and it’s waived the first year (See rates and fees).

If you fly Delta often, the Delta SkyMiles Gold Business Amex card’s benefits can save you a ton of cash and make your travels more comfortable, without an outrageous annual fee. This includes benefits like a free first checked bag on Delta flights, priority boarding and travel protections.

The Gold Delta SkyMiles Business card’s annual fee is worth paying even if you only fly Delta a handful of times each year. (Photo by agsaz /

Does the Delta SkyMiles Gold Business card annual fee make sense?

The Delta SkyMiles Gold Business Amex card’s 70,000-mile welcome bonus on its own is enough to make up for the $99 annual fee (See rates and fees) for several years, and that’s not counting the fact that the fee is waived for the first year. The bonus is enough for several round-trip economy flights within the U.S., or you can use them for an otherwise expensive long-distance trip. There are lots of ways to get solid value from Delta SkyMiles.

Besides the card’s introductory bonus, its other benefits make keeping the card a solid bet if you like earning and using Delta miles or fly Delta frequently.

Save money and stress with the card’s perks

Every time you hop on a Delta flight, you’ll start saving money as a Delta SkyMiles Gold Business Amex cardholder. 

To begin with, you can save a lot of money if you check bags on Delta flights. With the Delta SkyMiles Gold Business Amex card, you’ll get your first bag checked for free, along with the baggage of up to eight travel companions on the same reservation. That saves you up to $60 per person on each round-trip flight.

Plus, when you use your card to purchase food, alcohol and audio headsets on Delta-operated flights, you’ll receive 20% back in the form of a statement credit.

Save 20% off inflight purchases of food, drinks and headsets with the Gold Delta SkyMiles Business card. (Photo by ShutterStockStudio/Shutterstock)

Another attractive benefit of the card is escaping pesky extra charges when you spend overseas because the Delta SkyMiles Gold Business Amex card doesn’t add foreign transaction fees (See rates and fees).  

You can read more about the Delta SkyMiles Gold Business card’s benefits and perks here.

Earn SkyMiles for Delta purchases and everyday expenses

The Delta SkyMiles Gold Business Amex card’s two simple spending categories allow cardholders to earn more miles the more they spend on their travels.

  • 2 Delta miles per dollar on eligible Delta purchases
  • 2 Delta miles per dollar on eligible U.S. shipping and U.S. advertising
  • 2 Delta miles per dollar at restaurants
  • 1 Delta mile per eligible dollar everywhere else

Earning Delta SkyMiles through credit card spending, plus the card’s welcome bonus, can significantly boost your Delta account balance. You can use Delta miles toward award flights on Delta and partner airlines like Air France, KLM and Virgin Atlantic. As a Delta SkyMiles Gold Business Amex cardholder, you can also redeem for paid flights at a rate of 1 cent per mile through Delta Pay With Miles. Even better, Delta miles never expire, and you’ll never hit a limit on how many you can earn.

Bottom line

The Delta SkyMiles Gold Business Amex card is an attractive card for business owners who collect Delta miles and like to fly Delta and their partners. The Delta SkyMiles Gold Business Amex card’s $99 annual fee (See rates and fees , waived for the first year) is easily justified by its amazing welcome offer and excellent perks that save money and make the travel experience more civilized, like the free first checked bag for yourself and up to eight companions on the same reservation, 20% discount on inflight purchases and more.

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For the rates and fees of the Gold Delta SkyMiles Business Credit Card, please click here.

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and general travel. Her work has also appeared in The Points Guy.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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