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Gold Delta SkyMiles Business Credit Card Review: An Inexpensive Way to Up Your Benefits When Traveling With Delta

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Gold Delta SkyMiles Business Credit Card Review: An Inexpensive Way to Up Your Benefits When Traveling With Delta

Ethan SteinbergGold Delta SkyMiles Business Credit Card Review: An Inexpensive Way to Up Your Benefits When Traveling With DeltaMillion Mile Secrets Team

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INSIDER SECRET: If you’ve already had the Gold Delta SkyMiles® Credit Card from American Express (personal card), you’re still eligible to get the welcome bonus on the business version.

The Gold Delta SkyMiles® Business Credit Card from American Express is a great way to stock up on Delta miles — 30,000 of them to be exact — after meeting minimum spending requirements — while keeping your costs low. You’ll also earn a $50 statement credit after making your first Delta purchases in the first three months.

It won’t cost you anything to try out, because the $95 annual fee is waived the first year (See Rates & Fees).

If you frequently fly with Delta, it’s a good card to consider because it offers a first checked bag free, priority boarding and a 20% rebate for inflight purchases. Even if you don’t fly with Delta often, it can be great choice because Delta’s SkyTeam partners can help you fly to many destinations all over the world, or you can redeem these miles during one of Delta’s award sales to get even more bang for your buck.

You can apply for the Gold Delta SkyMiles Business Credit Card from American Express here. Here’s our Gold Delta SkyMiles Business Credit Card review.

You can use the miles from your Gold Delta SkyMiles Business Credit Card to jump on an award sale to Asia — here’s our full review. (Photo by Eugeneonline/iStock by Getty Images)

Gold Delta SkyMiles Business Credit Card Review: 30,000 Valuable Delta Miles

Apply Here: Gold Delta SkyMiles® Business Credit Card from American Express

With the Gold Delta SkyMiles® Business Credit Card from American Express, you’ll earn 30,000 Delta SkyMiles after spending $1,000 on purchases in the first three months of account opening. You’ll also earn a $50 statement credit after making a Delta purchase in the same time frame. 

That’s enough miles for a one-way coach flight to Europe or multiple short hops around the US, but we’ve also seen Delta selling flights as far away as Australia for only 44,000 miles round-trip with its flash award sales. If you’re able to save your miles for one of these deals, you’ll end up with a much better value for your Delta miles.

At minimum, this welcome bonus is worth $300 in Delta flights when you book using Pay With Miles. Amex Delta card holders have this option to book paid flights using their miles at a rate of 1 cent each with no blackout dates, so it’s worth considering if you aren’t flexible with your travel dates or can’t find award seats.

American Express only lets you earn the bonus on a card once in your lifetime, so you’ll want to make sure to apply when the bonus is higher than normal. The good news is that personal and business cards are considered separate products, so even if you’ve had the personal Gold Delta SkyMiles Credit Card in the past, you can still apply for the business version.

How to Earn Miles With the Gold Delta SkyMiles Business Credit Card

The Gold Delta SkyMiles Business Credit Card earns miles at the following rates:

  • 2 Delta miles per dollar on Delta purchases
  • 1 Delta mile per dollar everywhere else
  • Terms Apply

Obviously, this doesn’t come close to the earnings you could get booking your travel with a card like the Chase Sapphire Reserve or The Platinum Card® from American Express. Although the Gold Delta SkyMiles Business Credit Card offers a great welcome bonus, it’s not necessarily a card you’ll want to keep in your wallet for day-to-day spending. However, if your main focus is to earn Delta SkyMiles and you don’t have other cards that earn a bonus in certain categories, it’s a good pick.

How to Use Delta SkyMiles

Delta was the leader in the nefarious trend of dynamic pricing, with United and American Airlines following suit. Delta doesn’t publish an award chart. Instead, the price for award flights varies day to day just like the price for cash tickets.

This makes it hard to talk about how to use Delta miles in detail, and instead, we have to focus on pricing trends. A good way to see this variability for yourself is to look at the five-week calendar view when searching Delta awards. Take this example of one-way economy flights from New York (JFK) to London (LHR). Some days, the flights are as low as 25,000 miles, whereas other days, they’re 2.6x more expensive at 65,000 miles each way.

If you want to see this at its most extreme, look at some of Delta’s ultra-long-haul flights like Atlanta (ATL) to Johannesburg (JNB). Here, one-way business-class awards cost 465,000 miles, which is more than you would earn if you opened every single Delta credit card right now.

Your best bet for stretching the value of your SkyMiles is to watch for Delta SkyMiles deals award sales. My personal favorite was the US to Australia for only 44,000 miles round-trip in economy. Delta has really stepped up the pace of these sales, and we’re now seeing one or two domestic and international sales each month.

Keep in mind, Delta miles do not expire, so even if you don’t have plans for an immediate award trip, your miles are safe sitting in your account until you’re ready.

Gold Delta SkyMiles Business Credit Card Benefits

The Gold Delta SkyMiles Business Credit Card has a $95 annual fee that’s waived for the first year. In exchange for that, you get a number of elite-like perks with Delta that will make your travel much more enjoyable. The good news is that most of these benefits are linked to your SkyMiles account, so you don’t need to use your card when purchasing airfare to get these perks.

First Checked Bag Free

You and up to eight companions traveling on the same reservation will enjoy a first checked bag free, a savings of $30 per bag.

Priority Boarding

Get Zone 1 priority boarding for you and up to eight companions traveling on the same reservation.

Medallion® Qualification Dollar (MQD) Waiver

One of the hardest parts of earning airline elite status is meeting the pesky revenue requirements. For Delta, in addition to flying a certain number of Medallion® Qualification Miles (MQMs) or Medallion® Qualification Segments (MQSs), you also need to spend a certain amount. However, you can get around this requirement by using your SkyMiles credit card. You’ll receive an MQD waiver for Silver, Gold and Platinum Delta status by spending $25,000 on your card in a single year, and a waiver for Diamond status if you spend a whopping $250,000.

20% Inflight Savings

Receive 20% back in the form of a statement credit when you use your Gold Delta SkyMiles Business Credit Card for inflight purchases on Delta (not including Wi-Fi).

Purchase Delta Sky Club Access

Cardholders and up to two companions can purchase Sky Club airport lounge access for $29, though you could also get in free if you have an Amex Platinum card and are flying Delta that day.

Baggage Insurance Plan

Pay for your ticket with the Gold Delta SkyMiles Business Credit Card, and you’re covered if your bags are lost, damaged or stolen up to $1,250 for carry-on luggage and $500 for checked luggage. You can read about important restrictions and exclusions here.

Car Rental Loss and Damage Insurance

When you use your Gold Delta SkyMiles Business Credit Card to pay for a car rental, you’ll get secondary car rental insurance coverage up to $50,000 if your car is damaged or stolen. Here are important details and restrictions.

Travel Accident Insurance

If tragedy strikes on the road, you could be covered for losses resulting from accidental death or dismemberment. Your immediate family (spouse, dependent children under 23, etc.) are also covered on an eligible trip.

To be eligible for this insurance you’ll need to pay for your entire travel fare (cruise, ticket, etc.) with your Gold Delta SkyMiles Business Credit Card. You can read the full terms of this card’s travel accident coverage here.

Extended Warranty

When you make an eligible purchase with the card, Amex will extend the original manufacturer’s warranty up to two additional years on eligible warranties of five years or less. Here’s more about extended warranty coverage.

Purchase Protection

When you use your card for an eligible purchase, you’re covered for 120 days if the item is accidentally damaged or stolen. Coverage is limited up to $10,000 per item or $50,000 per account per calendar year. Check out the terms for purchase protection here.

Return Protection

Gold Delta SkyMiles Business Credit Card members are protected with return protection on certain eligible purchases.

If you try to return an eligible item within 90 days of the date of purchase and the merchant will not take it back, you may be refunded the full purchase price, up to $300 per item and a maximum of $1,000 per year. You can read about important restrictions here.

Amex Offers

Amex Offers are targeted deals offering statement credits or bonus points for everyday purchases. Some examples of deals might be $10 off a $50 purchase at a specific merchant, or receive 5,000 bonus points for purchasing something from a website.

Team member Jasmin loves using Amex Offers to stock up on household products and snacks for her kids, especially whenever the offers for Boxed.com appear.

Team member Meghan has also been able to take advantage of some of these discounts, even turning some of them into a profit.

Roadside Assistance Hotline

The Gold Delta SkyMiles Business Credit Card offers access to a 24-hour Roadside Assistance Hotline. There’s no cost to arrange for help, but you will be charged for any services you use. They can assist you with the following:

  • Towing
  • Winching
  • Jump starts
  • Flat tires (when you’ve got a working spare)
  • Delivery of up to two gallons of fuel
  • Lockout service when the key is in your vehicle

Here are all the details of the Amex Roadside Assistance Hotline.

Is the Gold Delta SkyMiles Business Credit Card Worth the Annual Fee?

This card is a no-brainer for the first year, with a strong welcome bonus and a waived annual fee. However, in subsequent years it gets a little tougher. You won’t get a great return by spending on this card (unless you’re going for an MQD waiver) so the value comes in the form of the perks.

If you frequently fly Delta, the free checked bag alone can be enough to justify the annual fee. Use it four times a year and you’ve already surpassed the $95 annual fee. However, if you’re not a regular Delta flyer you might not want to pay that amount every year.

The Gold Delta Business Credit Card is a great pick if you fly Delta frequently, because you’ll save a ton on checked bag fees. (Photo courtesy of Delta)

Does the Gold Delta SkyMiles Business Card Charge Foreign Transaction Fees?

No. (See Rates & Fees)

Who Is Eligible for the Gold Delta SkyMiles Business Card?

As long as you haven’t had this specific credit card in the past, you should be eligible if you’re a small business owner. You don’t need to be running a big corporation or full-time business to qualify — even side hustles like reselling on eBay or running an Airbnb could qualify you.

Here’s a guide to filling out an Amex business card application.

However, unofficially you can only get two Amex credit cards every 90 days, so if you recently applied for other Amex cards you might have to wait.

Similar Cards to the Gold Delta SkyMiles Business Card

All of the Delta Gold and Platinum cards are currently offering increased welcome bonuses. If you like the perks of the Gold Delta SkyMiles Business Credit Card you can also consider the personal version, the Gold Delta SkyMiles® Credit Card from American Express, which is offering the same bonus as the Gold Business version. The annual fee of $95 (See Rates & Fees) is also waived the first year.

On the business side, we have the Platinum Delta SkyMiles® Business Credit Card from American Express which is offering a bonus of 35,000 Delta miles after spending $1,000 on purchases in the first three months of account opening, plus A $100 statement credit after your first Delta purchase made in the same time frame. This card has a higher annual fee of $195 (See Rates & Fees), but comes with additional perks like a yearly companion certificate.

Bottom Line

The Gold Delta SkyMiles Business Credit Card is offering an increased limited-time bonus of 30,000 Delta miles after spending $1,000 on purchases in the first three months of account opening. You’ll also earn a $50 statement credit after your first Delta purchase made in the same time frame.

It’s hard to peg an exact value to this bonus because the value of Delta miles varies depending on how you redeem them, but flexible travelers, who can wait for an award sale, are sure to get a great deal here. At very least, the bonus is worth $300 in Delta flights when you book using Pay With Miles.

If you’re a small-business owner (even folks with a side gig or freelancers could qualify) looking to build up your mileage stash or a frequent Delta flyer, this is a great card for you to consider.

To learn more about Delta miles, check out these guides:

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

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

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

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

Gold Delta SkyMiles® Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

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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