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90,000 miles + $350 in annual credits for Delta flyers
The Delta SkyMiles Gold Business card charges $150 annually ($0 intro first year) but delivers $350+ in credits and free checked bags for Delta-focused business owners. Earn 2X miles on Delta, restaurants, and shipping.
$150
Annual Fee
90,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Delta SkyMiles
Point Valuation
1–1.25 cpp (mid: 1.2)
Credit Required
Good to Excellent
Welcome Offer
90,000
Airline
Spend $6,000 in the first 6 months
2X
2X miles on Delta purchases - No annual cap
2X
2X miles at restaurants worldwide - No annual cap
2X
Cap: $50,000/annual
2X
Cap: $50,000/annual
1X
1X miles on all other eligible purchases - No annual cap
A $500 Delta ticket earns 1,000 bonus miles with this card vs. 500 miles with a basic card.
Monthly business dinners totaling $1,200 earn 2,400 miles — worth 2-3 round-trip domestic flights annually.
Ship $5,000 in business packages and earn 10,000 bonus miles. Cap resets each calendar year.
Spend $2,000/month on social media ads and earn 4,000 miles per month — 48,000 miles per year.
Miscellaneous business expenses like office supplies earn standard 1X rate.
Benefits & Perks
Program & Transfers
America's premium airline rewards program
Delta SkyMiles is the loyalty program of Delta Air Lines, serving over 100 million members worldwide. As a founding member of the SkyTeam alliance, SkyMiles miles can be earned and redeemed across 19 partner airlines including Air France, KLM, Korean Air, and Virgin Atlantic. The program offers revenue-based earning on Delta flights and status qualification through Medallion tiers. Delta operates the largest airline network in the United States with major hubs in Atlanta, Minneapolis, Detroit, Seattle, Los Angeles, and New York. SkyMiles members earn miles based on ticket price rather than distance, with Medallion elite members earning bonus miles on every flight. The program is known for strong premium cabin availability on domestic routes and competitive pricing for SkyTeam partner awards. SkyMiles partners with American Express for co-branded credit cards that offer accelerated earning, free checked bags, and priority boarding. Higher-tier cards grant automatic Medallion status and companion certificates worth up to $1,000 in travel value annually.
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Purchase APR | 21.49%–29.49% (Variable) |
| Foreign Transaction Fee |
90,000 miles + $350 in annual credits for Delta flyers
The Delta SkyMiles Gold Business card charges $150 annually ($0 intro first year) but delivers $350+ in credits and free checked bags for Delta-focused business owners. Earn 2X miles on Delta, restaurants, and shipping.
$150
Annual Fee
90,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Delta SkyMiles
Point Valuation
1–1.25 cpp (mid: 1.2)
Credit Required
Good to Excellent
Welcome Offer
90,000
Airline
Spend $6,000 in the first 6 months
2X
2X miles on Delta purchases - No annual cap
2X
2X miles at restaurants worldwide - No annual cap
2X
Cap: $50,000/annual
2X
Cap: $50,000/annual
1X
1X miles on all other eligible purchases - No annual cap
A $500 Delta ticket earns 1,000 bonus miles with this card vs. 500 miles with a basic card.
Monthly business dinners totaling $1,200 earn 2,400 miles — worth 2-3 round-trip domestic flights annually.
Ship $5,000 in business packages and earn 10,000 bonus miles. Cap resets each calendar year.
Spend $2,000/month on social media ads and earn 4,000 miles per month — 48,000 miles per year.
Miscellaneous business expenses like office supplies earn standard 1X rate.
Benefits & Perks
Program & Transfers
America's premium airline rewards program
Delta SkyMiles is the loyalty program of Delta Air Lines, serving over 100 million members worldwide. As a founding member of the SkyTeam alliance, SkyMiles miles can be earned and redeemed across 19 partner airlines including Air France, KLM, Korean Air, and Virgin Atlantic. The program offers revenue-based earning on Delta flights and status qualification through Medallion tiers. Delta operates the largest airline network in the United States with major hubs in Atlanta, Minneapolis, Detroit, Seattle, Los Angeles, and New York. SkyMiles members earn miles based on ticket price rather than distance, with Medallion elite members earning bonus miles on every flight. The program is known for strong premium cabin availability on domestic routes and competitive pricing for SkyTeam partner awards. SkyMiles partners with American Express for co-branded credit cards that offer accelerated earning, free checked bags, and priority boarding. Higher-tier cards grant automatic Medallion status and companion certificates worth up to $1,000 in travel value annually.
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Purchase APR | 21.49%–29.49% (Variable) |
| Foreign Transaction Fee |
90,000 miles + $350 in annual credits for Delta flyers
The Delta SkyMiles Gold Business card charges $150 annually ($0 intro first year) but delivers $350+ in credits and free checked bags for Delta-focused business owners. Earn 2X miles on Delta, restaurants, and shipping.
$150
Annual Fee
90,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Delta SkyMiles
Point Valuation
1–1.25 cpp (mid: 1.2)
Credit Required
Good to Excellent
Welcome Offer
90,000
Airline
Spend $6,000 in the first 6 months
2X
2X miles on Delta purchases - No annual cap
2X
2X miles at restaurants worldwide - No annual cap
2X
Cap: $50,000/annual
2X
Cap: $50,000/annual
1X
1X miles on all other eligible purchases - No annual cap
A $500 Delta ticket earns 1,000 bonus miles with this card vs. 500 miles with a basic card.
Monthly business dinners totaling $1,200 earn 2,400 miles — worth 2-3 round-trip domestic flights annually.
Ship $5,000 in business packages and earn 10,000 bonus miles. Cap resets each calendar year.
Spend $2,000/month on social media ads and earn 4,000 miles per month — 48,000 miles per year.
Miscellaneous business expenses like office supplies earn standard 1X rate.
Benefits & Perks
Program & Transfers
America's premium airline rewards program
Delta SkyMiles is the loyalty program of Delta Air Lines, serving over 100 million members worldwide. As a founding member of the SkyTeam alliance, SkyMiles miles can be earned and redeemed across 19 partner airlines including Air France, KLM, Korean Air, and Virgin Atlantic. The program offers revenue-based earning on Delta flights and status qualification through Medallion tiers. Delta operates the largest airline network in the United States with major hubs in Atlanta, Minneapolis, Detroit, Seattle, Los Angeles, and New York. SkyMiles members earn miles based on ticket price rather than distance, with Medallion elite members earning bonus miles on every flight. The program is known for strong premium cabin availability on domestic routes and competitive pricing for SkyTeam partner awards. SkyMiles partners with American Express for co-branded credit cards that offer accelerated earning, free checked bags, and priority boarding. Higher-tier cards grant automatic Medallion status and companion certificates worth up to $1,000 in travel value annually.
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Purchase APR | 21.49%–29.49% (Variable) |
| Foreign Transaction Fee |
Total face value: $430
Estimated annual value: $243
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $200 Delta flight credit | $200 | Airlines | — | |
| $150 Delta stays credit | $150 | Airlines | Annual | |
| $10/mo Uber One | $60 | Transit & Rideshare | — | |
| 20% back Delta in-flight | $20/Per transaction | Airlines | Per transaction |
Combined Protection Value
$10,300
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Get reimbursed for lost or damaged baggage contents with coverage for carry-on ($1,250) and checked bags ($500) in excess of airline reimbursement.
Secondary coverage for theft and collision damage on rentals up to 30 days. Skip rental counter insurance and save $15-40/day.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to South America in Economy | 10,000 | — | economy | south_america |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Hawaii in Economy | 10,900 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Europe in Economy | 23,000 | — | economy | europe |
| Intra-European Economy on Partners | 10,000 | — | economy | europe |
| Intra-European Business on Partners | 25,000 | — | business | europe |
| Middle East to Europe Business Class | 42,500 | — | business | europe |
| Within Asia Business on Korean Air | 15,000 | — | business | asia |
| Asia to Oceania Business Class | 65,000 | — | business | australia_nz |
| LATAM Short-Haul Economy in South America | 6,400 | — | economy | south_america |
| Delta Flash Sales to Europe | 34,000 | — | economy | europe |
| Hawaiian Inter-Island Economy | 7,500 | — | economy | united_states |
Choose Gold if flying Delta once yearly alone without an annual fee. Otherwise, Reserve or Platinum offer better value despite higher costs, especially when traveling with companions or flying frequently with Delta or SkyTeam partners.
Even with the annual fee of $150 waived the first year, if you want a Delta-specific business card, we recommend either the Reserve or the Platinum. Your choice depends on how often you fly Delta and whether you prioritize flying First Class (or avoiding the Main Cabin). The only reason to choose the Gold over the other two cards is if you plan to fly Delta just once in the first year, by yourself, and want to avoid paying an annual fee. If you expect to fly Delta more than once or with a companion during that first year, it’s worth considering the other two cards. Beyond the initial year, the best option depends on your loyalty to Delta and how frequently you fly with Delta or its SkyTeam partners.
The Delta SkyMiles Gold Business card is American Express's entry-level Delta-specific business card. It offers a strong start with a 60,000 (current special 90,000)-point sign-up bonus after spending $4,000 in the first six months. This card can be an excellent introduction to airline-specific credit cards, though its value diminishes once the $150 annual fee kicks in after the first year.
Key benefits include:
- $150 in annual Delta Stay credits, which effectively offset the annual fee
- 15% discount on award travel bookings
- 20% savings on in-flight purchases
- Zone 5 priority boarding
- One free checked bag per flight
You can also earn $200 in flight credits by spending $10,000 within a specified period. However, since the sign-up bonus only requires $4,000 in spending, the additional $6,000 expenditure might be better used toward meeting another card's sign-up bonus requirements.
This card makes the most sense for occasional Delta flyers who travel solo about once per year. For more frequent Delta travelers or those who typically fly with companions, the Reserve or Platinum cards likely provide better long-term value despite their higher annual fees. The enhanced benefits of those cards can quickly outweigh their costs for regular Delta customers.
Here are some exceptions where the card might not be good for you:
- You fly Delta more than once per year and would get better value from the Reserve or Platinum card.
- You want this card but prefer to wait for a higher sign-up bonus; this card has offered 90,000 points in the past.
**Delta is a good point system for both domestic and international flights.**
- Delta offers many cards, making initial collection relatively easy. But the Amex 1/7 Rule limits that ability over time.
- Delta is part of the Amex partner reward system and is a decent transfer value.
- We save Delta points for specific flights, perhaps direct domestic or best value international.
- We use easier-to-collect point systems such as Southwest and American ahead of Delta.
The **Delta SkyMiles Gold Business** card sits at the entry level of Delta's business card hierarchy, offering fewer premium benefits than its higher-tier counterparts. Understanding its position helps determine if it's the right choice for your travel patterns:
- Card positioning: Lowest tier in Delta's three-tiered business card structure
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$258
Annual Fee
-$150
Net Annual Value
+$108
| $0 |
| Authorized User Fee | $0 |
Delta Skymiles Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Delta Skymiles Platinum Business | premium | $350 | |
| Delta Skymiles Reserve Business | super_premium | $650 |
Product changes available between family members without a new credit inquiry.
You can find Delta awards for as little as 4,200 miles. If you have a Delta co-branded credit card, you get a 15% discount, bringing some flights down to 3,570 miles. Taxes are usually low as well, often just $5.60 for a one-way domestic ticket.
The [Delta SkyMiles Reserve Business](https://pointsnav.com/credit-cards/delta-skymiles-reserve-business) card has the highest regular signup bonus. You can earn 80,000 SkyMiles after spending $10,000 in the first six months. You’ll also earn at least 10,000 miles from that spend. Delta has offered elevated 100,000-mile bonuses in the past.
You can access Sky Clubs with Diamond Medallion status or by flying in a premium cabin when you hold Gold or Platinum status. Certain cards also provide access, including the Delta Reserve (personal and business) and the Amex Platinum ( [personal](https://pointsnav.com/credit-cards/american-express-platinum-personal) and [business](https://pointsnav.com/credit-cards/american-express-platinum-business)).
Log in to your Delta SkyMiles account to see your mileage balance. On the website, your name and miles appear at the top right. In the app, tap “Account” to view your balance. If you don’t have a SkyMiles account, you won’t have any Delta miles yet.
Yes. You can request mileage credit after you've flown, even if you didn't have a SkyMiles account at the time. Log in and visit the [Request Mileage Credit page](https://www.delta.com/myskymiles/request-mileage-credit). As long as your flight was at least 7 days ago and within the last 9 months, you can receive credit.
CompareCards review with detailed breakdown of earning rates, statement credits, and airport benefits. Includes side-by-side comparison with other Delta cards.
DailyDrop's take on the card's strengths (free bags, priority boarding) and weaknesses (limited earning categories). Recommends complementary cards for non-Delta spending.
NerdWallet's detailed review covering earn rates, perks, and who should apply for this card. Highlights that it's solid for Delta frequent flyers but lackluster for routine spending.
The Points Guy's comprehensive breakdown of bonus miles, benefits, and earn rates. Compares against other Delta business cards and helps determine if this card fits your flying patterns.
Yahoo Finance review focuses on the card's appeal for small business owners who fly Delta frequently. Breaks down the welcome bonus value and annual credits.
Nav's guide to Delta business cards recommends the Gold card for those seeking solid travel perks at lower cost. Compares the Gold vs. Platinum business cards.
The Points Guy's comprehensive comparison of all Delta cards (personal and business) to help determine which offers the best fit based on flying frequency and spending patterns.
Kudos reviews the card's value for business owners with recurring Delta travel. Analyzes the $150 annual fee against the $350 in annual credits and free checked bags.
CNN Underscored's review of the Delta Gold card (personal version). Useful for comparing personal vs. business card features and understanding the Delta card family.
US News Money's review analyzing the card's value proposition, fees, and benefits for business owners. Includes comparison with competing business travel cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Total face value: $430
Estimated annual value: $243
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $200 Delta flight credit | $200 | Airlines | — | |
| $150 Delta stays credit | $150 | Airlines | Annual | |
| $10/mo Uber One | $60 | Transit & Rideshare | — | |
| 20% back Delta in-flight | $20/Per transaction | Airlines | Per transaction |
Combined Protection Value
$10,300
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Get reimbursed for lost or damaged baggage contents with coverage for carry-on ($1,250) and checked bags ($500) in excess of airline reimbursement.
Secondary coverage for theft and collision damage on rentals up to 30 days. Skip rental counter insurance and save $15-40/day.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to South America in Economy | 10,000 | — | economy | south_america |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Hawaii in Economy | 10,900 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Europe in Economy | 23,000 | — | economy | europe |
| Intra-European Economy on Partners | 10,000 | — | economy | europe |
| Intra-European Business on Partners | 25,000 | — | business | europe |
| Middle East to Europe Business Class | 42,500 | — | business | europe |
| Within Asia Business on Korean Air | 15,000 | — | business | asia |
| Asia to Oceania Business Class | 65,000 | — | business | australia_nz |
| LATAM Short-Haul Economy in South America | 6,400 | — | economy | south_america |
| Delta Flash Sales to Europe | 34,000 | — | economy | europe |
| Hawaiian Inter-Island Economy | 7,500 | — | economy | united_states |
Choose Gold if flying Delta once yearly alone without an annual fee. Otherwise, Reserve or Platinum offer better value despite higher costs, especially when traveling with companions or flying frequently with Delta or SkyTeam partners.
Even with the annual fee of $150 waived the first year, if you want a Delta-specific business card, we recommend either the Reserve or the Platinum. Your choice depends on how often you fly Delta and whether you prioritize flying First Class (or avoiding the Main Cabin). The only reason to choose the Gold over the other two cards is if you plan to fly Delta just once in the first year, by yourself, and want to avoid paying an annual fee. If you expect to fly Delta more than once or with a companion during that first year, it’s worth considering the other two cards. Beyond the initial year, the best option depends on your loyalty to Delta and how frequently you fly with Delta or its SkyTeam partners.
The Delta SkyMiles Gold Business card is American Express's entry-level Delta-specific business card. It offers a strong start with a 60,000 (current special 90,000)-point sign-up bonus after spending $4,000 in the first six months. This card can be an excellent introduction to airline-specific credit cards, though its value diminishes once the $150 annual fee kicks in after the first year.
Key benefits include:
- $150 in annual Delta Stay credits, which effectively offset the annual fee
- 15% discount on award travel bookings
- 20% savings on in-flight purchases
- Zone 5 priority boarding
- One free checked bag per flight
You can also earn $200 in flight credits by spending $10,000 within a specified period. However, since the sign-up bonus only requires $4,000 in spending, the additional $6,000 expenditure might be better used toward meeting another card's sign-up bonus requirements.
This card makes the most sense for occasional Delta flyers who travel solo about once per year. For more frequent Delta travelers or those who typically fly with companions, the Reserve or Platinum cards likely provide better long-term value despite their higher annual fees. The enhanced benefits of those cards can quickly outweigh their costs for regular Delta customers.
Here are some exceptions where the card might not be good for you:
- You fly Delta more than once per year and would get better value from the Reserve or Platinum card.
- You want this card but prefer to wait for a higher sign-up bonus; this card has offered 90,000 points in the past.
**Delta is a good point system for both domestic and international flights.**
- Delta offers many cards, making initial collection relatively easy. But the Amex 1/7 Rule limits that ability over time.
- Delta is part of the Amex partner reward system and is a decent transfer value.
- We save Delta points for specific flights, perhaps direct domestic or best value international.
- We use easier-to-collect point systems such as Southwest and American ahead of Delta.
The **Delta SkyMiles Gold Business** card sits at the entry level of Delta's business card hierarchy, offering fewer premium benefits than its higher-tier counterparts. Understanding its position helps determine if it's the right choice for your travel patterns:
- Card positioning: Lowest tier in Delta's three-tiered business card structure
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$258
Annual Fee
-$150
Net Annual Value
+$108
| $0 |
| Authorized User Fee | $0 |
Delta Skymiles Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Delta Skymiles Platinum Business | premium | $350 | |
| Delta Skymiles Reserve Business | super_premium | $650 |
Product changes available between family members without a new credit inquiry.
You can find Delta awards for as little as 4,200 miles. If you have a Delta co-branded credit card, you get a 15% discount, bringing some flights down to 3,570 miles. Taxes are usually low as well, often just $5.60 for a one-way domestic ticket.
The [Delta SkyMiles Reserve Business](https://pointsnav.com/credit-cards/delta-skymiles-reserve-business) card has the highest regular signup bonus. You can earn 80,000 SkyMiles after spending $10,000 in the first six months. You’ll also earn at least 10,000 miles from that spend. Delta has offered elevated 100,000-mile bonuses in the past.
You can access Sky Clubs with Diamond Medallion status or by flying in a premium cabin when you hold Gold or Platinum status. Certain cards also provide access, including the Delta Reserve (personal and business) and the Amex Platinum ( [personal](https://pointsnav.com/credit-cards/american-express-platinum-personal) and [business](https://pointsnav.com/credit-cards/american-express-platinum-business)).
Log in to your Delta SkyMiles account to see your mileage balance. On the website, your name and miles appear at the top right. In the app, tap “Account” to view your balance. If you don’t have a SkyMiles account, you won’t have any Delta miles yet.
Yes. You can request mileage credit after you've flown, even if you didn't have a SkyMiles account at the time. Log in and visit the [Request Mileage Credit page](https://www.delta.com/myskymiles/request-mileage-credit). As long as your flight was at least 7 days ago and within the last 9 months, you can receive credit.
CompareCards review with detailed breakdown of earning rates, statement credits, and airport benefits. Includes side-by-side comparison with other Delta cards.
DailyDrop's take on the card's strengths (free bags, priority boarding) and weaknesses (limited earning categories). Recommends complementary cards for non-Delta spending.
NerdWallet's detailed review covering earn rates, perks, and who should apply for this card. Highlights that it's solid for Delta frequent flyers but lackluster for routine spending.
The Points Guy's comprehensive breakdown of bonus miles, benefits, and earn rates. Compares against other Delta business cards and helps determine if this card fits your flying patterns.
Yahoo Finance review focuses on the card's appeal for small business owners who fly Delta frequently. Breaks down the welcome bonus value and annual credits.
Nav's guide to Delta business cards recommends the Gold card for those seeking solid travel perks at lower cost. Compares the Gold vs. Platinum business cards.
The Points Guy's comprehensive comparison of all Delta cards (personal and business) to help determine which offers the best fit based on flying frequency and spending patterns.
Kudos reviews the card's value for business owners with recurring Delta travel. Analyzes the $150 annual fee against the $350 in annual credits and free checked bags.
CNN Underscored's review of the Delta Gold card (personal version). Useful for comparing personal vs. business card features and understanding the Delta card family.
US News Money's review analyzing the card's value proposition, fees, and benefits for business owners. Includes comparison with competing business travel cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Total face value: $430
Estimated annual value: $243
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $200 Delta flight credit | $200 | Airlines | — | |
| $150 Delta stays credit | $150 | Airlines | Annual | |
| $10/mo Uber One | $60 | Transit & Rideshare | — | |
| 20% back Delta in-flight | $20/Per transaction | Airlines | Per transaction |
Combined Protection Value
$10,300
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Get reimbursed for lost or damaged baggage contents with coverage for carry-on ($1,250) and checked bags ($500) in excess of airline reimbursement.
Secondary coverage for theft and collision damage on rentals up to 30 days. Skip rental counter insurance and save $15-40/day.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to South America in Economy | 10,000 | — | economy | south_america |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Hawaii in Economy | 10,900 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Europe in Economy | 23,000 | — | economy | europe |
| Intra-European Economy on Partners | 10,000 | — | economy | europe |
| Intra-European Business on Partners | 25,000 | — | business | europe |
| Middle East to Europe Business Class | 42,500 | — | business | europe |
| Within Asia Business on Korean Air | 15,000 | — | business | asia |
| Asia to Oceania Business Class | 65,000 | — | business | australia_nz |
| LATAM Short-Haul Economy in South America | 6,400 | — | economy | south_america |
| Delta Flash Sales to Europe | 34,000 | — | economy | europe |
| Hawaiian Inter-Island Economy | 7,500 | — | economy | united_states |
Choose Gold if flying Delta once yearly alone without an annual fee. Otherwise, Reserve or Platinum offer better value despite higher costs, especially when traveling with companions or flying frequently with Delta or SkyTeam partners.
Even with the annual fee of $150 waived the first year, if you want a Delta-specific business card, we recommend either the Reserve or the Platinum. Your choice depends on how often you fly Delta and whether you prioritize flying First Class (or avoiding the Main Cabin). The only reason to choose the Gold over the other two cards is if you plan to fly Delta just once in the first year, by yourself, and want to avoid paying an annual fee. If you expect to fly Delta more than once or with a companion during that first year, it’s worth considering the other two cards. Beyond the initial year, the best option depends on your loyalty to Delta and how frequently you fly with Delta or its SkyTeam partners.
The Delta SkyMiles Gold Business card is American Express's entry-level Delta-specific business card. It offers a strong start with a 60,000 (current special 90,000)-point sign-up bonus after spending $4,000 in the first six months. This card can be an excellent introduction to airline-specific credit cards, though its value diminishes once the $150 annual fee kicks in after the first year.
Key benefits include:
- $150 in annual Delta Stay credits, which effectively offset the annual fee
- 15% discount on award travel bookings
- 20% savings on in-flight purchases
- Zone 5 priority boarding
- One free checked bag per flight
You can also earn $200 in flight credits by spending $10,000 within a specified period. However, since the sign-up bonus only requires $4,000 in spending, the additional $6,000 expenditure might be better used toward meeting another card's sign-up bonus requirements.
This card makes the most sense for occasional Delta flyers who travel solo about once per year. For more frequent Delta travelers or those who typically fly with companions, the Reserve or Platinum cards likely provide better long-term value despite their higher annual fees. The enhanced benefits of those cards can quickly outweigh their costs for regular Delta customers.
Here are some exceptions where the card might not be good for you:
- You fly Delta more than once per year and would get better value from the Reserve or Platinum card.
- You want this card but prefer to wait for a higher sign-up bonus; this card has offered 90,000 points in the past.
**Delta is a good point system for both domestic and international flights.**
- Delta offers many cards, making initial collection relatively easy. But the Amex 1/7 Rule limits that ability over time.
- Delta is part of the Amex partner reward system and is a decent transfer value.
- We save Delta points for specific flights, perhaps direct domestic or best value international.
- We use easier-to-collect point systems such as Southwest and American ahead of Delta.
The **Delta SkyMiles Gold Business** card sits at the entry level of Delta's business card hierarchy, offering fewer premium benefits than its higher-tier counterparts. Understanding its position helps determine if it's the right choice for your travel patterns:
- Card positioning: Lowest tier in Delta's three-tiered business card structure
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$258
Annual Fee
-$150
Net Annual Value
+$108
| $0 |
| Authorized User Fee | $0 |
Delta Skymiles Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Delta Skymiles Platinum Business | premium | $350 | |
| Delta Skymiles Reserve Business | super_premium | $650 |
Product changes available between family members without a new credit inquiry.
You can find Delta awards for as little as 4,200 miles. If you have a Delta co-branded credit card, you get a 15% discount, bringing some flights down to 3,570 miles. Taxes are usually low as well, often just $5.60 for a one-way domestic ticket.
The [Delta SkyMiles Reserve Business](https://pointsnav.com/credit-cards/delta-skymiles-reserve-business) card has the highest regular signup bonus. You can earn 80,000 SkyMiles after spending $10,000 in the first six months. You’ll also earn at least 10,000 miles from that spend. Delta has offered elevated 100,000-mile bonuses in the past.
You can access Sky Clubs with Diamond Medallion status or by flying in a premium cabin when you hold Gold or Platinum status. Certain cards also provide access, including the Delta Reserve (personal and business) and the Amex Platinum ( [personal](https://pointsnav.com/credit-cards/american-express-platinum-personal) and [business](https://pointsnav.com/credit-cards/american-express-platinum-business)).
Log in to your Delta SkyMiles account to see your mileage balance. On the website, your name and miles appear at the top right. In the app, tap “Account” to view your balance. If you don’t have a SkyMiles account, you won’t have any Delta miles yet.
Yes. You can request mileage credit after you've flown, even if you didn't have a SkyMiles account at the time. Log in and visit the [Request Mileage Credit page](https://www.delta.com/myskymiles/request-mileage-credit). As long as your flight was at least 7 days ago and within the last 9 months, you can receive credit.
CompareCards review with detailed breakdown of earning rates, statement credits, and airport benefits. Includes side-by-side comparison with other Delta cards.
DailyDrop's take on the card's strengths (free bags, priority boarding) and weaknesses (limited earning categories). Recommends complementary cards for non-Delta spending.
NerdWallet's detailed review covering earn rates, perks, and who should apply for this card. Highlights that it's solid for Delta frequent flyers but lackluster for routine spending.
The Points Guy's comprehensive breakdown of bonus miles, benefits, and earn rates. Compares against other Delta business cards and helps determine if this card fits your flying patterns.
Yahoo Finance review focuses on the card's appeal for small business owners who fly Delta frequently. Breaks down the welcome bonus value and annual credits.
Nav's guide to Delta business cards recommends the Gold card for those seeking solid travel perks at lower cost. Compares the Gold vs. Platinum business cards.
The Points Guy's comprehensive comparison of all Delta cards (personal and business) to help determine which offers the best fit based on flying frequency and spending patterns.
Kudos reviews the card's value for business owners with recurring Delta travel. Analyzes the $150 annual fee against the $350 in annual credits and free checked bags.
CNN Underscored's review of the Delta Gold card (personal version). Useful for comparing personal vs. business card features and understanding the Delta card family.
US News Money's review analyzing the card's value proposition, fees, and benefits for business owners. Includes comparison with competing business travel cards.
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Get reimbursed for meals, hotel, and essentials when your travel is delayed 6+ hours. Up to 2 claims per year.
- Sign-up bonus: 60,000 (current special 90,000) points after spending $4,000 in six months (considerably lower than other Delta business options)
- Annual fee structure: $150, waived for first year
When comparing to Delta's premium business offerings:
The **Delta SkyMiles Reserve Business** card represents the premium tier with distinctive advantages:
- $650 annual fee
- 80,000 mile sign-up bonus
- Annual companion certificate valid for first-class redemption
- Comprehensive Delta SkyClub lounge access
- Enhanced travel credits and premium travel benefits
The **Delta SkyMiles Platinum Business** card occupies the middle tier with a balanced approach:
- $350 annual fee
- 70,000 point sign-up bonus
- Main-cabin companion certificate annually
- First checked bag free
- Multiple statement credits that help offset the annual fee
For business owners who fly Delta infrequently, the Gold card may suffice. However, those who fly Delta even semi-regularly — especially with companions — will likely extract more value from either the Platinum or Reserve cards despite their higher annual fees.
while personal Delta cards might also merit consideration, these business card options won't affect your 5/24 standing, making them strategically valuable for credit card optimization.
This one was tough for me because I don’t recommend it. If you’re going to sign up for a business card, you should always start with the Chase Ink or Chase Sapphire Business cards. But having said that, I actually loved having this card.
I grabbed it because I needed a business card. I had maxed out my 5/24 rule with Chase, and I wanted to keep a low profile by looking into other business card options until I could start applying for Chase cards again. I was also honing in on my spending, and the six months to meet the minimum spend appealed to me, along with the annual fee waived for the first year.
I did collect my miles and store them, since they do not expire, and I canceled the card before I could use the first checked bag benefit or priority boarding. For me, it made sense at the time. Delta miles are great to collect and save for a rainy day, and this is a good card to do that with.
Get reimbursed for meals, hotel, and essentials when your travel is delayed 6+ hours. Up to 2 claims per year.
- Sign-up bonus: 60,000 (current special 90,000) points after spending $4,000 in six months (considerably lower than other Delta business options)
- Annual fee structure: $150, waived for first year
When comparing to Delta's premium business offerings:
The **Delta SkyMiles Reserve Business** card represents the premium tier with distinctive advantages:
- $650 annual fee
- 80,000 mile sign-up bonus
- Annual companion certificate valid for first-class redemption
- Comprehensive Delta SkyClub lounge access
- Enhanced travel credits and premium travel benefits
The **Delta SkyMiles Platinum Business** card occupies the middle tier with a balanced approach:
- $350 annual fee
- 70,000 point sign-up bonus
- Main-cabin companion certificate annually
- First checked bag free
- Multiple statement credits that help offset the annual fee
For business owners who fly Delta infrequently, the Gold card may suffice. However, those who fly Delta even semi-regularly — especially with companions — will likely extract more value from either the Platinum or Reserve cards despite their higher annual fees.
while personal Delta cards might also merit consideration, these business card options won't affect your 5/24 standing, making them strategically valuable for credit card optimization.
This one was tough for me because I don’t recommend it. If you’re going to sign up for a business card, you should always start with the Chase Ink or Chase Sapphire Business cards. But having said that, I actually loved having this card.
I grabbed it because I needed a business card. I had maxed out my 5/24 rule with Chase, and I wanted to keep a low profile by looking into other business card options until I could start applying for Chase cards again. I was also honing in on my spending, and the six months to meet the minimum spend appealed to me, along with the annual fee waived for the first year.
I did collect my miles and store them, since they do not expire, and I canceled the card before I could use the first checked bag benefit or priority boarding. For me, it made sense at the time. Delta miles are great to collect and save for a rainy day, and this is a good card to do that with.
Get reimbursed for meals, hotel, and essentials when your travel is delayed 6+ hours. Up to 2 claims per year.
- Sign-up bonus: 60,000 (current special 90,000) points after spending $4,000 in six months (considerably lower than other Delta business options)
- Annual fee structure: $150, waived for first year
When comparing to Delta's premium business offerings:
The **Delta SkyMiles Reserve Business** card represents the premium tier with distinctive advantages:
- $650 annual fee
- 80,000 mile sign-up bonus
- Annual companion certificate valid for first-class redemption
- Comprehensive Delta SkyClub lounge access
- Enhanced travel credits and premium travel benefits
The **Delta SkyMiles Platinum Business** card occupies the middle tier with a balanced approach:
- $350 annual fee
- 70,000 point sign-up bonus
- Main-cabin companion certificate annually
- First checked bag free
- Multiple statement credits that help offset the annual fee
For business owners who fly Delta infrequently, the Gold card may suffice. However, those who fly Delta even semi-regularly — especially with companions — will likely extract more value from either the Platinum or Reserve cards despite their higher annual fees.
while personal Delta cards might also merit consideration, these business card options won't affect your 5/24 standing, making them strategically valuable for credit card optimization.
This one was tough for me because I don’t recommend it. If you’re going to sign up for a business card, you should always start with the Chase Ink or Chase Sapphire Business cards. But having said that, I actually loved having this card.
I grabbed it because I needed a business card. I had maxed out my 5/24 rule with Chase, and I wanted to keep a low profile by looking into other business card options until I could start applying for Chase cards again. I was also honing in on my spending, and the six months to meet the minimum spend appealed to me, along with the annual fee waived for the first year.
I did collect my miles and store them, since they do not expire, and I canceled the card before I could use the first checked bag benefit or priority boarding. For me, it made sense at the time. Delta miles are great to collect and save for a rainy day, and this is a good card to do that with.
