The Delta SkyMiles® Gold Business card from American Express is a highly beneficial travel credit card designed for small business owners who frequently fly with Delta Airlines. It offers a comprehensive range of rewards, perks, and savings tailored to meet the needs of business travelers.

One of the standout features is the ability to earn 2x miles on Delta purchases and select business-related expenses, along with a generous welcome offer of up to 90,000 bonus miles after meeting spending requirements.

In addition, cardholders enjoy benefits like a $200 Delta Flight Credit, 15% off Award Travel, priority boarding, and no foreign transaction fees, making it an attractive choice for business owners looking to maximize travel rewards while keeping their expenses manageable.

Key information about the Delta SkyMiles® Gold Business card

The Delta SkyMiles® Gold Business card is packed with features designed to benefit business travelers. Cardholders earn 2x miles per dollar on purchases made directly with Delta Airlines, as well as on U.S. shipping services, select advertising purchases, and other eligible business expenses. All other purchases earn 1 mile per dollar, allowing you to accumulate miles quickly across a wide range of spending categories.

How does the annual fee work?

The Delta SkyMiles® Gold Business card comes with an introductory $0 annual fee for the first year, allowing new cardholders to try out the card without any upfront cost. After the first year, the annual fee is $150.

While this fee may seem steep, the card’s benefits can quickly offset the cost, particularly for those who frequently fly with Delta. The savings from perks like free checked bags and 20% in-flight discounts can easily exceed the annual fee, making the card a valuable investment for regular travelers.

How is the credit limit determined?

The credit limit for the Delta SkyMiles® Gold Business card is determined based on the creditworthiness of the applicant and the financial health of their business. American Express reviews various factors when setting a credit limit, including the applicant’s personal credit score, income, business revenue, and overall financial profile. While there is no set minimum or maximum credit limit for this card, businesses with a strong credit history and stable finances are more likely to receive higher limits.

Credit card benefits 

• 90,000 bonus miles: Earn up to 90,000 bonus miles after spending $6,000 in the first six months.
• 2x miles on Delta and select business purchases: Earn double miles on Delta purchases, U.S. shipping services, and advertising in select media.
• $200 Delta flight credit: Receive a $200 credit toward future Delta travel after spending $10,000 annually on the card.
• 15% discount on award travel: Save 15% on Award Travel booked with miles on Delta flights.
• First checked bag free: Save up to $70 per round trip for the cardholder and up to eight companions.
• No foreign transaction fees: Ideal for international travelers, as there are no additional fees for purchases made abroad.

TakeOff 15 – 15% discount on award travel

One of the most valuable features of the Delta SkyMiles® Gold Business card is the “TakeOff 15” benefit, which gives cardholders a 15% discount when booking Award Travel with miles. This discount allows you to get more value out of your miles, enabling you to book flights for fewer miles than you would with other cards. The discount applies automatically when booking Award Travel through Delta’s website or mobile app, making it easy to take advantage of this savings.

Disadvantages

• $150 annual fee: After the first year, the card comes with a $150 annual fee, which may be a disadvantage for businesses with smaller travel budgets.
• Limited 2x earning categories: The 2x miles are only earned on Delta purchases, U.S. shipping services, and select advertising purchases, which limits the opportunities to earn extra miles on other common business expenses.
• High APR: The variable APR ranges from 20.99% to 29.99%, which can result in high interest charges if the balance is not paid in full each month.

Limited 2x earning categories

A key disadvantage of the Delta SkyMiles® Gold Business card is the limited number of categories eligible for 2x miles. While it is beneficial to earn double miles on Delta purchases and certain business-related expenses, many other common spending categories, such as office supplies and gas, do not qualify for this higher earning rate. This limitation can make it harder to accumulate miles quickly, especially for businesses that have significant expenses outside of the eligible categories.

Who can apply for this card?

To apply for the Delta SkyMiles® Gold Business card, applicants must meet certain eligibility criteria. The card is available to U.S.-based small business owners with a legal business entity. You will need to provide your business details, including the legal business name, address, and federal tax ID or Social Security number. In addition, your personal credit score and financial history will be assessed during the application process.

While there is no minimum income requirement, having a stable income and a good credit score will improve your chances of approval. American Express generally requires applicants to have good to excellent credit to qualify for the Delta SkyMiles® Gold Business card.

How to apply for the Delta SkyMiles® Gold Business card

Applying online

The process of applying for the Delta SkyMiles® Gold Business card is streamlined and user-friendly, with American Express offering a fully online application process. To begin, applicants need to visit the American Express website, locate the Delta SkyMiles® Gold Business card page, and click the “Apply Now” button.

From there, you’ll be prompted to provide key business information, including your legal business name, address, industry type, and annual revenue. You’ll also need to supply your Employer Identification Number (EIN) or Social Security Number (for sole proprietors), as well as how long your business has been in operation.

In addition to business details, personal information is required as part of the application. This includes your full legal name, home address, Social Security Number, and personal annual income. American Express uses this data to assess your creditworthiness, and agreeing to a credit check is necessary to move forward with the application.

Once you’ve filled in all the necessary fields and reviewed the terms and conditions, you can submit the application for approval. In most cases, applicants receive a decision in as little as 30 seconds. If approved, your Delta SkyMiles® Gold Business card will arrive by mail within 7-10 business days.

Once the card is received, it can be activated online, via the mobile app, or by phone, allowing you to immediately begin using it for purchases and earning miles on Delta and other eligible business expenses. With quick approval times and a secure, easy-to-navigate application process, American Express ensures that you can start taking advantage of the card’s benefits and rewards in no time.