Delta SkyMiles® Gold Business American Express Card: Is It Good for Business Travelers?

Delta SkyMiles® Gold Business American Express Card: Is It Good for Business Travelers?

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Editor's Rating

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Redeeming features include a relatively low annual fee and a solid welcome bonus.
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Editor's Rating

?
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Redeeming features include a relatively low annual fee and a solid welcome bonus.
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The Delta SkyMiles® Gold Business American Express 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 welcome bonus. If you’re interested in maximizing travel rewards, several other business credit cards offer great travel rewards at a similar cost. That said, the Delta SkyMiles® Gold Business American Express 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 Delta SkyMiles® Gold Business American Express Card

The Delta SkyMiles® Gold Business American Express Card offers an adequate welcome bonus at a low annual fee, but it's not a great travel card for businesses. The main drawback of the Delta SkyMiles® Gold Business American Express Card is that the card doesn’t offer great ongoing rewards beyond the initial welcome bonus. If you’re looking for a credit card to maximize travel rewards, you should be looking at the Delta SkyMiles® Platinum Business American Express Card, Ink Business Preferred℠ Credit Card, or the Marriott Bonvoy Business™ American Express® Card instead. These cards boast unique rewards that we discuss further below.

Good For…Bad For…
A business that travels exclusively with DeltaA business owner looking to maximize travel rewards
Managing and tracking credit card spendingA business with large expenses

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.

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 other options to consider.

Delta SkyMiles® Gold Business American Express Card Benefits and Features

The Delta SkyMiles® Gold Business American Express 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 Delta SkyMiles® Gold Business American Express Card currently offers the following: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. The card does carry a $0 introductory annual fee for the first year, then $99 of membership.

Delta SkyMiles® Gold Business American Express Card

$0 introductory annual fee for the first year, then $99

15.74% - 24.74% Variable

Good/Excellent

  • Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
  • Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
  • Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you travel overseas.
  • $0 introductory annual fee for the first year, then $99.
  • Terms and limitations apply
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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 Delta SkyMiles® Gold Business American Express Card for round-trip airfare. Up to nine additional cardholders can also receive this benefit if they're traveling with main cardholder.

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

Other Travel Perks

Beyond the miles that can be earned with Delta, the Delta SkyMiles® Gold Business American Express 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 Delta SkyMiles® Gold Business American Express 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 BookingRouteSkyMilesUSD
WeekendNYC to CHI12,000$130
WeekdayNYC to CHI18,500$225
WeekendLA to SF12,000$88
WeekdayLA to SF17,500$206
InternationalNYC to LON60,000$600
InternationalNYC to TOR19,500$318
InternationalLA to LON65,000$616

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

How Does the Delta SkyMiles® Gold Business American Express Card Compare to Other Credit Cards?

As previously mentioned, the Delta SkyMiles® Gold Business American Express 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.

Delta SkyMiles® Gold Business American Express Card vs Delta SkyMiles® Platinum Business American Express Card

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The Delta SkyMiles® Platinum Business American Express Card is a solid 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 Delta SkyMiles® Platinum Business American Express Card: $250. Given that we value SkyMiles at 1.3 cents per mile, the value of the available bonus miles totals more than the $250 annual fee (See Rates & Fees) on the credit card.

The Delta SkyMiles® Platinum Business American Express Card is also great for travelers who want the benefit of earning 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.

Highlights

  • $250 annual fee

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

Delta SkyMiles® Gold Business American Express Card vs Ink Business Preferred℠ Credit Card

  • On Chase's Secure Website
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The Ink Business Preferred℠ Credit Card is a top 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.

Highlights

  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
  • $95 annual fee
  • No foreign transaction fees.

Delta SkyMiles® Gold Business American Express Card vs Marriott Bonvoy Business™ American Express® Card

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We recommend getting the Marriott Bonvoy Business™ American Express® Card over the Delta SkyMiles® Gold Business American Express Card if you books hotels with Marriott Rewards properties often, or if you want flexible redemption options. Businesses that spend more money booking rooms at these properties than booking Delta flights are better served by the Marriott Bonvoy Business™ American Express® Card. Furthermore, the points you earn with the Marriott Bonvoy Business™ American Express® Card can be transferred to several airlines.

Highlights

  • 6 points for each dollar spent at participating Marriott Bonvoy hotels.
  • 6x points at participating Marriott Bonvoy hotels. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

The information related to the Ink Business Preferred℠ Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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