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.

The Delta SkyMiles® Gold Business American Express Card is an enticing travel business card for those who fly on Delta Air Lines. With this card, you’ll enjoy several Delta-exclusive benefits, such as priority boarding and your first bag checked for free on Delta flights. This card comes with a $0 introductory annual fee for the first year, then $99 after — plus, you’ll earn valuable SkyMiles through the substantial welcome bonus and on your business expenses.

However, for non-Delta loyalists, the Delta SkyMiles® Gold Business American Express Card might not be the best option for you. Several other credit cards offer better travel rewards for a similar cost. In this review, we’ll take a deep dive into the Delta SkyMiles® Gold Business American Express Card, as well as offer comparisons to help you decide if this is the optimal card for you and your business.

Good for...

  • Businesses that travel exclusively with Delta; free checked bag benefit; managing and tracking credit card spending

Bad for...

  • Business owners looking to maximize travel rewards; businesses with large expenses

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 isn’t the best travel card for most businesses. The main drawback of the Delta SkyMiles® Gold Business American Express Card is the lack of ongoing rewards beyond its initial welcome bonus: Earn 70,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. This card’s earnings rate provides an average value with nothing that its competitors can’t outdo.

Suppose you’re looking for a credit card to maximize travel rewards or better travel benefits. In that case, you should look at its sister card — the Delta SkyMiles® Platinum Business American Express Card — or the Ink Business Preferred℠ Credit Card and Marriott Bonvoy Business™ American Express® Card. These alternatives boast more profitable rewards that we’ll discuss further below.

Bottom line: If you’re looking for a low-cost business credit card with some Delta travel benefits, this might suit your needs. However, its long-term value may miss the mark for most business owners.

Delta SkyMiles® Gold Business American Express Card benefits and features

This card’s strengths are attributed to the Delta SkyMiles program, a top-rated airline loyalty program. With miles that never expire, you can redeem them toward flights, seat upgrades and more.

With the Delta SkyMiles® Gold Business American Express Card, you’ll 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.

Delta-exclusive perks

Delta charges its customers $30 for their first standard checked bag. When using the Delta SkyMiles® Gold Business American Express Card for round-trip airfare, cardholders can enjoy a free checked bag each way on Delta flights, worth up to $60 in savings. You’ll be able to make up for the ongoing annual fee with just two round-trip flights per year. This baggage benefit is applied for up to eight additional passengers traveling on the same reservation as the cardholder. Depending on how often you travel on Delta — and in groups — this benefit alone could make this credit card a game-changer.

Furthermore, you’ll also enjoy Main Cabin 1 priority boarding as a benefit of the Delta SkyMiles® Gold Business American Express Card. Like the checked bag perk, up to eight additional passengers can benefit when traveling with the primary account member. You’ll also receive a 20% discount on in-flight purchases on Delta in the form of a statement credit.

Finally, if you spend $10,000 on purchases with your card in one calendar year, you’ll earn a $100 Delta flight voucher. Most businesses shouldn’t have too much trouble reaching this threshold, so this flight credit can be a nice little perk that can help justify the annual fee.

What are Delta SkyMiles worth?

The average value of one Delta SkyMile is 1.3 cents. To calculate the value of Delta SkyMiles, we gathered the prices for various routes in both dollars and miles. Then, we divided the dollars by the number of SkyMiles required, averaging dozens of values together.

While we value Delta SkyMiles at 1.3 cents each, this doesn’t mean you can’t get more value when booking your travel. Delta Air Lines is part of the SkyTeam alliance, and your SkyMiles can unlock redemptions on popular airlines such as Air France and Korean Air.

Interestingly, we found Delta SkyMiles to be higher in value when used to book international travel. Weekend travel yielded a lower average SkyMiles value, probably because of higher demand. If possible, you should shop around for different seats, dates and times before redeeming your hard-earned SkyMiles.

Value of Delta SkyMiles

Round Trip
One Way
Main CabinFirst/BusinessMain CabinFirst/Business
DomesticHub to Hub1.0 cents0.7 cents1.2 cents1.3 cents
Hub to Non-Hub1.2 cents1.5 cents1.3 cents1.5 cents
Non-Hub to Non-Hub1.3 cents1.3 cents0.9 cents1.4 cents
InternationalHub to Hub1.5 cents4.0 cents4.2 cents5.9 cents
Hub to Non-Hub1.6 cents3.2 cents2.4 cents3.7 cents
Non-Hub to Non-Hub1.3 cents1.9 cents3.7 cents3.4 cents
Average1.3 cents2.1 cents2.3 cents2.9 cents
{"alignsHorizontal":[],"alignsVertical":[],"columnWidths":[],"data":[["","","\u003Cstrong\u003ERound Trip\u003C\/strong\u003E","","\u003Cstrong\u003EOne Way\u003C\/strong\u003E",""],["","","\u003Cstrong\u003EMain Cabin\u003C\/strong\u003E","\u003Cstrong\u003EFirst\/Business\u003C\/strong\u003E","\u003Cstrong\u003EMain Cabin\u003C\/strong\u003E","\u003Cstrong\u003EFirst\/Business\u003C\/strong\u003E"],["\u003Cstrong\u003EDomestic\u003C\/strong\u003E","\u003Cstrong\u003EHub to Hub\u003C\/strong\u003E","1.0 cents","0.7 cents","1.2 cents","1.3 cents"],["","\u003Cstrong\u003EHub to Non-Hub\u003C\/strong\u003E","1.2 cents","1.5 cents","1.3 cents","1.5 cents"],["","\u003Cstrong\u003ENon-Hub to Non-Hub\u003C\/strong\u003E","1.3 cents","1.3 cents","0.9 cents","1.4 cents"],["\u003Cstrong\u003EInternational\u003C\/strong\u003E","\u003Cstrong\u003EHub to Hub\u003C\/strong\u003E","1.5 cents","4.0 cents","4.2 cents","5.9 cents"],["","\u003Cstrong\u003EHub to Non-Hub\u003C\/strong\u003E","1.6 cents","3.2 cents","2.4 cents","3.7 cents"],["","\u003Cstrong\u003ENon-Hub to Non-Hub\u003C\/strong\u003E","1.3 cents","1.9 cents","3.7 cents","3.4 cents"],["\u003Cstrong\u003EAverage\u003C\/strong\u003E","","\u003Cstrong\u003E1.3 cents\u003C\/strong\u003E","\u003Cstrong\u003E2.1 cents\u003C\/strong\u003E","\u003Cstrong\u003E2.3 cents\u003C\/strong\u003E","\u003Cstrong\u003E2.9 cents\u003C\/strong\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Is the Delta SkyMiles® Gold Business American Express Card worth it?

Assuming you spend $10,000 on your Delta SkyMiles® Gold Business American Express Card, these are the benefits you can expect to receive each year:

First year
After year 1
2X miles on Delta purchases, select advertising, shipping and dining: $7,00014,000 SkyMiles14,000 SkyMiles
1X miles on all other purchases: $3,0003,000 SkyMiles3,000 SkyMiles
Sign-up bonus40,000 SkyMilesN/A
Delta flight voucher$100$100
Total benefits57,000 SkyMiles + $100 flight credit17,000 SkyMiles + $100 flight credit
{"alignsHorizontal":[],"alignsVertical":[],"columnWidths":[],"data":[["","\u003Cstrong\u003EFirst year\u003C\/strong\u003E","\u003Cstrong\u003EAfter year 1\u003C\/strong\u003E"],["\u003Cstrong\u003E2X miles on Delta purchases, select advertising, shipping and dining: $7,000\u003C\/strong\u003E","14,000 SkyMiles","14,000 SkyMiles"],["\u003Cstrong\u003E1X miles on all other purchases: $3,000\u003C\/strong\u003E","3,000 SkyMiles","3,000 SkyMiles"],["\u003Cstrong\u003ESign-up bonus\u003C\/strong\u003E","40,000 SkyMiles","N\/A"],["\u003Cstrong\u003EDelta flight voucher\u003C\/strong\u003E","$100","$100"],["\u003Cstrong\u003ETotal benefits\u003C\/strong\u003E","\u003Cstrong\u003E57,000 SkyMiles + \n$100 flight credit\u003C\/strong\u003E","\u003Cstrong\u003E17,000 SkyMiles +\n$100 flight credit\u003C\/strong\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

In the first year of card ownership, you could earn 57,000 SkyMiles (worth $741) and a $100 Delta flight credit. Every year after, you would earn 17,000 SkyMiles (worth $221) and a $100 Delta flight credit. If you spend enough on this card, the SkyMiles and flight voucher make it worthwhile. Sprinkle in the other benefits — such as the checked bag benefit and priority boarding — and the Delta SkyMiles® Gold Business American Express Card could be a keeper.

How does the Delta SkyMiles® Gold Business American Express Card compare to other credit cards?

The Delta SkyMiles® Gold Business American Express Card won’t do you much good if you’re not a Delta loyalist. However, it's helpful to compare it to other cards that also offer travel rewards. Here are three popular travel cards that are comparable to the Delta SkyMiles® Gold Business American Express Card:

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

The Delta SkyMiles® Platinum Business American Express Card is the better option if your business has large expenses or if you value elite benefits. Although the Delta SkyMiles® Platinum Business American Express Card comes with a $250 annual fee, you’ll Earn 90,000 bonus miles and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.

On top of all the benefits that come with the Delta SkyMiles® Gold Business American Express Card, you’ll enjoy an annual companion certificate each year — redeemable for one round-trip domestic flight. This benefit can be worth hundreds of dollars to business owners who book flights with multiple people. Other exclusive features include access to Delta Sky Club lounges (with a per-visit rate of $39 per person) and reimbursement for Global Entry or TSA Precheck.

Highlights

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

  • On Chase's Secure Website

The Ink Business Preferred℠ Credit Card by Chase could be a top-notch offering for business owners interested in flexible travel rewards. If your business flies with multiple airlines, you’ll have more redemption options through the Ink Business Preferred℠ Credit Card — thanks to Chase’s travel partners.

With a $95 annual fee, this card comes with a much better sign-up bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards.

In addition, the card also comes with a better earnings rate: 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. What’s more, the points don’t expire as long as your account is open.

If, however, your business expenses amount to more than $150,000 per year, the Delta SkyMiles® Gold Business American Express Card has a leg-up, as there are no limits to bonus spending categories.

If your business flies exclusively with Delta, the Ink Business Preferred℠ Credit Card won’t provide you with certain brand-specific perks like free checked bags, priority boarding or discounts on in-flight meals and drinks.

Highlights

  • $95 annual fee
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards.
  • 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.

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

Businesses that spend more money booking Marriott rooms than Delta flights may be better served by the Marriott Bonvoy Business™ American Express® Card. Plus, the Marriott Bonvoy points you earn with the Marriott Bonvoy Business™ American Express® Card can be transferred to many airlines — offering much more flexibility with your rewards.

Though it comes with a slightly higher $125 annual fee, you’ll get a better welcome bonus in return: Earn Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Offer ends 5/12/21.

And while hotel points are usually inflated, you’ll still earn a solid earnings rate with this card: 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.

Highlights

  • $125 annual fee
  • Earn Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Offer ends 5/12/21.
  • 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.
  • Terms apply

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

ValuePenguin’s verdict

There are many instances where the Delta SkyMiles® Gold Business American Express Card could benefit your business. If you fly Delta often — or in groups — the checked bag benefits can save you hundreds of dollars every year. Or, if you’re able to spend at least $10,000 each year, you’ll lock in a decent number of SkyMiles and a $100 flight voucher. For the right redemptions, you could score some great deals with your SkyMiles — on Delta flights or any of its SkyTeam partners.

The information related to Delta SkyMiles® Gold Business American Express Card, Delta SkyMiles® Platinum Business American Express Card and Marriott Bonvoy Business™ American Express® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Stella Shon

Stella Shon is a travel credit cards writer with ValuePenguin. After studying abroad in Paris three years ago, she became determined to keep traveling. That’s when she discovered the world of points and miles, which enabled her to travel on a student budget. Since then, she’s flown over 150,000 miles and earned more than 500,000 points and miles with eight different credit cards. While in college, she even co-founded her own travel agency, helping her peers plan and book trips on a budget. As a recent journalism graduate from UNC-Chapel Hill, her goal is to write about travel to make it simpler and achievable for everyone. Her work has also appeared on JetBlue, The Points Guy, Travel + Leisure and CNBC.

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).