|"A decent option for business travelers who fly exclusively with Delta, though it isn't the best travel card."|
The Gold Delta SkyMiles® Business Credit Card isn’t one of our favorite business cards for travel. It does, however, have redeeming features, such as a relatively low annual fee and a solid sign-up bonus. If you’re interested in maximizing travel rewards, several other business credit cards offer better travel rewards at a similar cost. That said, the Gold Delta SkyMiles® Business Credit Card could be a decent option if you’re looking for a card with tools and features to help you manage your business expenses. This card is a great option if you fly Delta throughout the year.
- Review: Our Thoughts on the Gold Delta SkyMiles® Business Credit Card
- Benefits and Features
- How Does the Gold Delta SkyMiles® Business Credit Card Compare to Other Credit Cards?
Review: Our Thoughts on the Gold Delta SkyMiles® Business Credit Card
The Gold Delta SkyMiles® Business Credit Card offers an adequate sign-up bonus at a low annual fee, but it's not a great travel card for businesses. The main drawback of the Gold Delta SkyMiles® Business Credit Card is that the card doesn’t offer great ongoing rewards beyond the initial sign-up bonus. If you’re looking for a credit card to maximize travel rewards, you should be looking at the Platinum Delta SkyMiles® Business Credit Card, Ink Business Preferred℠ Credit Card, or the Starwood Preferred Guest® Business Credit Card from American Express instead. These cards boast unique rewards that we discuss further below.
|Good For…||Bad For…|
|A business that travels exclusively with Delta||A business owner looking to maximize travel rewards|
|Managing and tracking credit card spending||A business with large expenses|
We currently estimate the sign-up bonus of 30,000 SkyMiles to be worth approximately $390, based on our Delta SkyMile value analysis, which is discussed below. The card will pay for itself for the first four years. The miles offered for direct purchases made with Delta with this credit card are pretty typical for airline cards. If you book flights with airlines other than Delta, your purchases would go further on other business travel cards.
If your business doesn’t have a credit card, the features made available to American Express OPEN cardholders make this card a viable option. American Express OPEN benefits are available through all of American Express’ business credit cards. These features can help you manage and understand your spending.
Bottom Line: If you’re looking for a low cost business credit card with some travel benefits through Delta, this could be a decent option for you. However, if you’re looking for a credit card specifically for travel rewards, there are better options to consider.
Gold Delta SkyMiles® Business Credit Card Benefits and Features
The Gold Delta SkyMiles® Business Credit Card awards users two miles for every dollar spent directly with Delta and one mile on all other eligible purchases. Miles can be redeemed through Delta’s SkyMiles program for airline tickets and flight upgrades, among other things. The Gold Delta SkyMiles® Business Credit Card currently has a welcome offer of 30,000 bonus miles when you make $1,000 in purchases in the first three months. There's also a $50 statement credit available when you make a Delta purchase within the first three months of membership. While the card does carry an annual fee of $95, it's waived for the first year of membership.
|Annual Fee||$0 introductory annual fee for the first year, then $95|
|Purchase APR||16.49% - 20.49% Variable|
Miles earned with the card don’t expire and cardholders also have the benefit of a free checked bag. Typically, Delta charges its customers $25 per checked bag. This means that cardholders can enjoy up to $50 in savings when using their Gold Delta SkyMiles® Business Credit Card for round-trip airfare. Up to nine additional cardholders can also receive this benefit if they're traveling with main cardholder.
American Express OPEN Benefits
American Express offers its business cardholders access to complimentary benefits under a program called American Express OPEN. Some of these benefits are standard features of any business credit card, such as account alerts, year-end summaries, dispute resolution, and online statements. However, other benefits are exclusive to American Express business cardholders. Below, we provide a list of perks that the American Express OPEN program offers.
Spend Manager: This tool lets you manage your business expenses with a mobile application. Cardholders can organize, as well as track, their spending by taking pictures of their receipts, tagging, and adding notes to transactions. Tagging receipts can help businesses categorize their spending.
Employee Cards: This feature allows you to track and limit spending for specific employees. You can set alerts to receive real time information on one of your cardholder’s purchases. Individual credit cards can be frozen or unfrozen. While there's no extra charge for additional credit cards, a maximum of 99 credit cards can be issued per account.
Account Manager: The account manager feature allows you to grant account management features on your business credit card to select employees. They can then set spending limits for certain cards, receive new cards for employees, and make payments.
OPEN Savings: American Express OPEN cardholders get 2 additional points per dollar spent or a 5% discount applied to the statement credit on eligible purchases made with American Express OPEN Savings Partners. So, if you spend $2,000 with an OPEN savings partner, then you can choose between 4,000 membership rewards points or $100 in discounts to your statement credit. We list current featured partners of the American Express OPEN program below:
Other Travel Perks
Beyond the miles that can be earned with Delta, the Gold Delta SkyMiles® Business Credit Card offers its users a variety of other travel perks. For instance, you can receive in-flight savings of 20% as a statement credit when you use your card to purchase in-flight food or drinks. Additionally, cardholders are automatically assigned a Zone 1 priority, meaning that you're one of the first to board. Similar to the checked bag perk, up to nine additional cardholders can receive this benefit when traveling with the main account member. Delta currently charges customers $15 for priority boarding.
The Gold Delta SkyMiles® Business Credit Card also offers its cardholders discounted access to the Delta Sky Club. This reduced fee means you pay $29 per person to access the Delta Sky Club. The single visit pass rate for the Delta Sky Club is currently $59, so cardholders get a $30 discount. You can bring up to two guests, but they will also have to pay the discounted rate of $29 per person.
What Are Delta SkyMiles Worth?
The value of a Delta SkyMile for a seat in the main cabin on a round trip flight is worth 1.3 cents. To calculate the value of a Delta SkyMile we gathered prices for popular flights using dollars and miles. We then divided the dollar value of each itinerary by the number of SkyMiles required to fly the same route to arrive at a value for a SkyMile. Dozens of itineraries were then averaged to come to one consensus value.
The value of a SkyMile changes based on a multitude of factors including the originating flight location, destination location, seat type, day of the week, length of your travel, etc. For instance, we found that traveling Friday to Sunday yielded a lower average SkyMile value when compared to flying Monday to Friday during the same week.
Interestingly, we found Delta SkyMiles to be higher in value when used to book international travel. While we value a Delta SkyMile at 1.3 cents, that doesn’t mean you can’t get more or less than that value when booking your travel. You should shop around for different seats, dates, and times—if possible—when redeeming your SkyMiles for a flight. Below, we list the results for the cost of some popular routes in dollars and SkyMiles for comparison purposes.
|Type of Booking||Route||SkyMiles||USD|
|Weekend||NYC to CHI||12,000||$130|
|Weekday||NYC to CHI||18,500||$225|
|Weekend||LA to SF||12,000||$88|
|Weekday||LA to SF||17,500||$206|
|International||NYC to LON||60,000||$600|
|International||NYC to TOR||19,500||$318|
|International||LA to LON||65,000||$616|
How Does the Gold Delta SkyMiles® Business Credit Card Compare to Other Credit Cards?
As previously mentioned, the Gold Delta SkyMiles® Business Credit Card isn’t our preferred credit card for travel. However, it's helpful to compare it to other cards that also offer travel rewards. Here are three popular travel cards.
Gold Delta SkyMiles® Business Credit Card vs Platinum Delta SkyMiles® Business Credit Card
The Platinum Delta SkyMiles® Business Credit Card is a better credit card if your business has large expenses or values airline status. The main difference between the two cards is the annual miles bonus available on the Platinum Delta SkyMiles® Business Credit Card, which gives cardholders the ability to earn 10,000 bonus miles after spending $25,000 on eligible purchases, and an additional 10,000 bonus miles after spending a total of $50,000 on eligible purchases with the card in the same year. Given that we value SkyMiles at 1.3 cents per mile, the value of the 20,000 available bonus miles is $260, which is more than the $195 annual fee on the credit card. This means if your business has expenses equal to or greater than $50,000 per year, then you’d be better off getting the Platinum Delta SkyMiles® Business Credit Card over the Gold Delta SkyMiles® Business Credit Card.
The Platinum Delta SkyMiles® Business Credit Card is also better for travelers who enjoy having airline status—due to the ability to earn Medallion Qualification Miles (MQMs). Members also receive one companion certificate per year that can be redeemed for one round-trip domestic flight. This benefit can be worth hundreds of dollars to business owners who book flights with multiple people.
- Earn 5,000 MQMs and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
- Earn 10,000 MQMs and 10,000 bonus miles after you spend $25,000 on eligible purchases.
- Earn an additional 10,000 MQMs and an additional 10,000 bonus miles after you spend $50,000 on eligible purchases on your card in the same year.
Gold Delta SkyMiles® Business Credit Card vs Ink Business Preferred℠ Credit Card
The Ink Business Preferred℠ Credit Card is a better option for business owners that are interested in flexible travel rewards and have varied business expenses in categories outlined in the highlights section below. If your business flies with multiple airlines you’ll have more point redemption options through the Ink Business Preferred℠ Credit Card. However, if your business always flies with Delta, the Ink Business Preferred℠ Credit Card doesn't provide you with certain brand-specific perks. You won’t get free checked bags, discounts on in-flight meals and drinks, or discounted Delta Sky Club access. If you travel with Delta once a month, the value of the checked luggage perk alone ends up being $600 per year.
While you won’t earn two points on all direct Delta purchases, you can earn three points per dollar on the first $150,000 spent on certain categories mentioned below with the Ink Business Preferred℠ Credit Card. Therefore, if your expenses are varied and you spend less than $150,000 in travel, the Ink Business Preferred℠ Credit Card provides greater value.
- Three points per dollar spent on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.
- 80,000 bonus points after you spend $5,000 on purchases in the first three months after account opening, which is equivalent to $1,000 in travel rewards.
- No foreign transaction fees.
Gold Delta SkyMiles® Business Credit Card vs Starwood Preferred Guest® Business Credit Card from American Express
We recommend getting the Starwood Preferred Guest® Business Credit Card from American Express over the Gold Delta SkyMiles® Business Credit Card if you books hotels with Starwood properties often, or if you want flexible redemption options. Businesses that spend more money booking rooms at Starwood properties than booking Delta flights are better served by the Starwood Preferred Guest® Business Credit Card from American Express, given that the value of a Starpoint is higher than the value of a Delta SkyMile, 2.2 cents versus 1.3 cents. The sign-up bonus of this card is worth $550 compared to the $390 sign-up value offered by the Gold Delta SkyMiles® Business Credit Card when using these point valuations. The difference in value between the cards grows when you consider that the Starwood Preferred Guest® Business Credit Card from American Express offers cardholders the ability to earn up to five Starpoints, while you can only earn two with the Gold Delta SkyMiles® Business Credit Card.
When it comes to flying across several airlines, the better card is the Starwood Preferred Guest® Business Credit Card from American Express due to its ability to transfer points to 30 frequent flyer programs. However, if you fly with Delta, then you’ll be better served by the [creditcards:names:1194]. Since the conversion rate between the two is set as 1:1, this means that converting your Starpoints to SkyMiles dilutes the value of your points by nearly 41%. Not only will your points get diluted, but you won’t get the benefits that the Gold Delta SkyMiles® Business Credit Card offers its cardholders like free checked bags, or early boarding.
- Earn 25,000 points after you use your new card to make $5,000 in purchases within the first three months.
- Earn up to five Starpoints for every dollar of eligible purchases at participating Starwood hotels - two as a card member on top of the two or three you can earn as an SPG member.
- American Express OPEN Savings can provide an additional 5% discount with select merchants.
Comments and Questions
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