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Business customers loyal to Delta Air Lines can choose from among three American Express-branded credit cards — the Delta Reserve for Business Credit Card, the Platinum Delta SkyMiles® Business Credit Card from American Express and the Gold Delta SkyMiles® Business Credit Card from American Express. This last one is the starter card of the group, coming with a $0 introductory annual fee ($95 after the first year) (see rates & fees), a solid welcome offer and airline perks that improve travel for passengers. Let’s look at how the card stacks up against the other Delta cards and other non-Delta alternatives.
Who Is This Card For?
If the annual fees of Delta’s two other business Amex cards are too rich for your blood, but you still want a welcome offer that translates into travel and the chance to earn Delta miles while still having a few Delta perks, this is your card.
Like most business credit cards, you can use the Gold Delta SkyMiles Business Amex to cover company purchases and manage spending. The good news is that even if your business is only a series of side hustles and you don’t have a tax ID or an employer identification number, you still have a chance to get this card. But you need to do your research before applying, so check out these TPG posts for information on when to apply for a business card, what kind of businesses qualify and how to choose the right business credit card.
The welcome offer on the Gold Delta Business Amex allows cardmembers to 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. Delta SkyMiles are valued at 1.2 cents according to TPG’s latest valuations, which means the bonus is worth $900. You don’t have to pay foreign transaction fees on this card when traveling outside of the US. (see rates & fees).
The Gold Delta SkyMiles Business Amex is the only one among the three Delta business cards that doesn’t come with a way to earn Medallion Qualification Miles (MQMs) that help you achieve and maintain elite status on the airline. But when it comes to redeemable miles, you’ll earn the same 2 SkyMiles per dollar spent on Delta purchases (except for inflight Wi-Fi) and 1 mile on everything else as you do with the other Delta cards. That means unlike other non-Delta business credit cards, this one doesn’t give you higher points for spending on popular categories such as non-airline travel, hotels, car rentals, office supplies, shipping and internet access.
When it comes time to redeem SkyMiles, your best bet is to use them for flights on Delta or Delta’s 18 SkyTeam airline alliance partners, along with GOL, Hawaiian Airlines, Virgin Atlantic, Virgin Australia and WestJet. With no award charts, you’ll have to do your own searches and be flexible when it comes time to redeem your miles for flights, but you can still get decent value for SkyMiles, especially on domestic economy flights.
Also, Delta’s SkyMiles Deals website offers real bargains on round-trip tickets in economy and Delta One between specific city pairs, such as Los Angeles-Washington, DC for 20,000 miles or Cincinnati-New York City for 14,500 miles. Check the site weekly or watch here at TPG for the latest deals.
You can also use your SkyMiles for seat upgrades, but know that since Delta doesn’t have award charts, you won’t know how many miles that premium cabin seat will cost until your ticket is booked. SkyMiles upgrades are also good on certain flights operated by Delta partners Air France, KLM, Virgin Atlantic and Aeromexico when using Mileage Upgrade Awards once your flight is booked.
Other redemption options include online shopping, gift cards, magazines, unique SkyMiles Experiences, along with transfers, gifts or donations to charity. But in all of these cases, you’re unlikely to get good value for your miles.
While the Gold Delta SkyMiles Business card doesn’t have nearly as many benefits as its more expensive business card cousins, it does come with a number of perks when you’re flying on Delta.
First checked bag free. You and up to nine total travelers on the same reservation will get their first checked bag free when flying Delta. At $60 a bag round-trip, that can add up quickly if you travel regularly.
Priority boarding. Receive Main Cabin 1 boarding on Delta flights for you and up to nine passengers on the same reservation.
Sky Club lounge. Pay $29 each for you and up to two guests for a day-pass to more than 50 Delta Sky Clubs and more than 250 partner and airport lounges around the world when flying on same-day Delta flights.
Inflight discount. Receive a 20% statement credit on inflight purchases, including pre-purchased meals, inflight food, alcoholic beverages and audio headsets when using the card. The credit can’t be used for inflight Wi-Fi.
Travel Accident Insurance. Get up to $100,000 in accidental death and dismemberment coverage while traveling when airfare is charged to the card.
Baggage Insurance Plan. If your luggage is lost, damaged, or stolen baggage when you use the card to pay for travel, you’ll receive up to $1,250 for a carry-on and up to $500 for a checked bag.
Car Rental Loss and Damage Insurance. You’re covered if your eligible rental car is damaged or stolen when you use the card to reserve and pay for it and decline company insurance. Note that this is secondary coverage and doesn’t include liability.
Roadside Assistance. Call the hotline to get help for car emergencies such as a flat tire or running out of gas.
Protections. The card comes with an extended warranty that adds up to two years onto an original manufacturer’s warranty for those five years or less. Purchase protection covers items that are accidentally damaged, stolen, or lost if you paid for them with the card for up to 120 days after the date of purchase.
Which Cards Compete With the Gold Delta Business Amex?
You may not want to be tied down to Delta Air Lines. Maybe you want a business card that gives you more points per dollar spent in key categories. Or you want a business card that gives you the flexibility to use the points you earn on the airlines you choose. If that’s what you’re looking for, the Ink Business Preferred Credit Card from Chase is one option to consider.
The Ink Business Preferred starts with a generous sign-up bonus of 80,000 points after spending $5,000 on the card in the first three months. That adds up to $1,000 you can spend on travel in the Chase Ultimate Rewards portal or transfer the points to Chase’s travel partners for potentially even better value. You’ll also earn 3 points per dollar on the first $150,000 spent in combined purchases every account anniversary year on business-friendly categories including travel, shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines.
The Ink Business Preferred also comes with better travel and purchase protections than the Gold Delta SkyMiles Business Amex. But remember that the Ink Business Preferred falls under Chase’s 5/24 rule, so know that if you’ve opened five or more credit cards across all banks over the last two years, you will most likely be denied.
Another option to consider is The Blue Business℠ Plus Credit Card from American Express, which earns 2 points per dollar on all business purchases up to $50,000 each year (then 1 point), making it an excellent everyday spending business card. The card also comes with no annual fee (see rates & fees), and the Membership Rewards points it earns can be instantly transferred into Delta SkyMiles along with many other loyalty currencies, so you can still use the points for Delta flights if you choose. However, the Blue Business Plus currently has no welcome bonus, and you won’t want to use it overseas since it features a 2.7% foreign transaction fee on purchases made in non-US currencies (see rates & fees).
You’ll want to choose the Gold Delta Business Amex if you need a card that comes with basic Delta perks like a free checked bag and priority boarding that help make travel easier, and don’t want to spend a huge amount in annual fees. But the card doesn’t have a way to earn MQMs that help maintain Medallion elite status. It also doesn’t offer miles on popular spending business categories outside of flights.
If you’re looking for an everyday business credit card, there are other alternatives with better options for earning extra points in spending categories that are most important to you, or the ability to get more value for those points when redeeming them. But for Delta fanatics looking for a simple business credit card to make their time on the airline more comfortable, the Gold Delta SkyMiles Business Credit Card from American Express is the most straightforward and inexpensive choice.
Featured image by Eric Helgas/The Points Guy.
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If you are a Delta flyer who is eligible for a business credit card this card is a great addition for your wallet. While you'll earn 2 miles per dollar on Delta purchases and 1 mile per dollar on everything else, you'll also have access to other perks like priority boarding, a first bag checked free and 20% off in-flight purchases.
- 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.
- Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit when you use your American Express Delta Card.
- 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