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Gold Delta SkyMiles® Business Credit Card from American Express review

Published: July 11, 2018

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Published: July 11, 2018

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Ratings Policy
Business Rating:
3.9 rating
3.9 rating
3.9 / 5
Rewards Value 3.3
Annual Percentage Rate 0.3
Rewards Flexibility 4.1
Features 5.0

In a Nutshell:

The Gold Delta SkyMiles Business card from American Express offers a generous introductory bonus, priority boarding, a free checked bag and unique perks for business owners.

Learn more about this card

Rewards Rate

  • 2 miles per dollar on direct Delta purchases
  • 1 mile per dollar on other purchases

Introductory Bonus

  • 30,000 Bonus Miles if you spend $1,000 in first 3 months and
  • $50 statement credit if you make a Delta purchase in the first 3 months with your card

Annual Fee
$95, $0 first year

Average Yearly Rewards Value ($4,000 monthly spend)
$913

APR
16.99-20.99% (variable)

Rewards Redemption
Pros

  • Miles never expire
  • No blackout dates on Delta flights
  • Use miles for airfare, car rentals, hotels, merchandise and more
  • Miles + Cash option available on some flights
  • You may be able to use miles to upgrade
  • One-way flights allowed

Cons

  • Fuel surcharges can be high on international flights
  • No award chart
  • $25 for phone bookings, $35 for ticket office bookings
  • No stopovers or open-jaw tickets

Other Notable Features: Free checked bag, priority boarding, discounted Delta Sky Club access, no foreign transaction fee, no fee for employee cards, account alerts, extra savings on eligible business purchases, mobile payment app, online business forum,  roadside assistance, car rental insurance, travel accident insurance,  extended warranty, purchase protection, ticket presales and VIP events, car purchase discounts, discounts on travel packages, 20% discount on in-flight items, return protection, ShopRunner service

If you are a business traveler who wants to dip your toes into Delta’s frequent flyer program, the Gold Delta SkyMiles Business Credit Card from American Express may be your best bet. This card offers an initial bonus of 30,000 miles after you use your card for just $1,000 in purchases within three months of account opening.

You’ll also earn 2 miles per dollar on Delta purchases and 1 mile per dollar on all other purchases. Finally, you’ll get a $50 statement credit if you use your card to make a purchase with Delta within three months of account opening.

One feature in this card’s favor is the fact the $95 annual fee is waived the first year. This gives you a full 12 months to try out the card’s benefits without a financial commitment. Since this card doesn’t charge foreign transaction fees, you’ll also save on all purchases made abroad.

Ongoing rewards are lacking

While the introductory bonus on this card is a major plus, you may be disappointed in the ongoing rewards you earn. Getting only 2 miles per dollar on Delta purchases and 1 mile per dollar on all other purchases makes this card a dud for those who don’t spend a ton of money with the airline.

The introductory bonus could be higher

Before you sign up for the Gold Delta SkyMiles Business Credit Card from American Express, it’s worth recognizing that the introductory bonus offer has been higher in the past.

Sure, 30,000 miles after you spend $1,000 within three months of account opening is an easy requirement to meet, but you may score a higher bonus on this card if you wait for a better offer. Further, 30,000 miles isn’t that impressive when you consider the fact that similar business cards offer 50,000 miles or more in their initial offer.

Delta SkyMiles is a mixed bag

If you fly Delta Air Lines often and belong to their frequent flyer program, you already know that rewards can be very unpredictable. One of the major downsides of this frequent flyer program is the fact that Delta doesn’t have an award chart. Without knowing how many miles you’ll need for a specific redemption, you are left to guess and estimate the miles you’ll need to save for each free flight.

Delta also charges $25 for phone bookings and $35 for ticket office bookings, and they don’t allow stopovers or open-jaw tickets with rewards. Since one-way fares are allowed, however, you can create your own open-jaw award by booking two one-way flights.

On the upside, Delta makes it possible to use your miles in more than one way. You can redeem them for airfare on Delta and its partners along with hotels, car rentals, gift cards, and certain merchandise or experiences (though the value for many of these redemption options is poor). You may also be able to upgrade using miles, plus a “Miles + Cash” option is available for some Delta flights.

While one-way Delta flights within the U.S. will only incur the standard $5.60 per leg in taxes and fees, keep in mind that fuel surcharges are levied on most international tickets. These fuel surcharges can add hundreds of dollars to the cost of a supposedly “free” award ticket.

Valuable airline perks

While the Gold Delta SkyMiles Business card may not be overly lucrative on the rewards front, this card does come with a lot of perks. Once you sign up, you’ll get priority boarding on Delta flights and a free checked bag. You’ll also get 20 percent off in-flight purchases made with your card, although the discount will show up as a statement credit on your bill.

Other perks this card doles out include account alerts, a mobile payment app, discounted Delta Sky Club access, roadside assistance, car rental insurance, travel accident insurance, extended warranties, purchase protection, ticket presales and VIP events, travel discounts, return protection and a free ShopRunner subscription.

Special benefits for business owners

Since the Gold Delta SkyMiles Business Credit Card from American Express is a business credit card, it offers benefits targeted to business owners. For example, there is no fee for employee cards and you can also set individual spending limits for employees. You’ll also get access to an online business forum where you can tap into valuable resources and get advice.

Finally, the Gold Delta SkyMiles Business Credit Card from American Express offers expense management tools that help you track and organize your business expenses. If you want, you can even connect your credit card account to QuickBooks for expense tracking and account management purposes.

Why get the Gold Delta SkyMiles Business card?

  • You’re curious about the Delta SkyMiles program and want to try it without paying an annual fee the first year.
  • You need a business card with account management tools and free cards for employees.
  • You fly Delta Air Lines often and can easily spend the miles you earn.
  • You want to score a free checked bag and Priority boarding on all of your Delta flights.

How to use the Gold Delta SkyMiles Business card:

  • Make sure to spend $1,000 on your card within three months of account opening to score the initial introductory bonus.
  • Use your card for all Delta purchases to earn 2x miles for every dollar you spend.
  • Get free cards for your employees so you can rack up miles on their purchases as well.

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