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Gold Delta SkyMiles® Business Credit Card from American Express – Review

Gold Delta SkyMiles® Business Credit Card from American Express – Review

The Gold Delta SkyMiles® Business Credit Card from American Express combines the travel benefits of a travel rewards credit card with the business-friendly features and spending power of a business credit card. With a $95 annual fee, this card is geared toward business owners who take enough Delta flights to offset its ongoing cost.

Gold Delta SkyMiles Business earns an unlimited 2 points per $1 spent on all eligible Delta purchases, including airfare and incidentals. All other eligible purchase earn an unlimited 1 SkyMile per $1 spent. You can redeem accumulated SkyMiles for Delta airfare purchases and merchandise listed for sale at the SkyMiles MarketPlace.

Gold Delta SkyMiles competes with a number of other travel-focused business credit cards, including Citi / AAdvantage Platinum Select MasterCard and Starwood Preferred Guest Business Card from American Express. It also competes with general-purpose business rewards cards that have travel rewards components, including Chase Ink Business Preferred, and SimplyCash Plus Business Card from American Express.

Gold Delta SkyMiles Business is very similar to American Express’s consumer Gold Delta SkyMiles card. If you don’t own your own business, the consumer card is a better option.

Earn 30,000 bonus Delta SkyMiles when you spend $1,000 in purchases with your new card in the first 3 months. Additionally, earn a $50 statement credit when you make a Delta purchase with your new  card within the first 3 months.

Earn 2 Delta SkyMiles for every $1 spent on eligible purchases made directly with Delta. Earn 1 SkyMile for every eligible $1 spent on all other eligible purchases.

You can redeem your accumulated SkyMiles for Delta airfare. Redemption thresholds start at 10,000 SkyMiles for some domestic economy one-ways, and 12,500 SkyMiles for a broader range of domestic flights with more flexible travel dates. However, Delta’s redemption tables are somewhat variable, and certain travel dates and times may require more SkyMiles (for instance, peak-season weekend flights versus off-season weekday flights to popular vacation destinations).

Point values generally fall between $0.005 to $0.02 at redemption, but can vary somewhat on either side. You can also redeem your SkyMiles for merchandise, gift cards, and special experiences (such as musical performances), at the Delta SkyMiles MarketPlace. SkyMiles are typically worth significantly less than $0.01 apiece when redeemed at the MarketPlace, but minimum redemption thresholds are lower – in the 2,000-mile range.

Gold Delta SkyMiles Business has some nice Delta travel benefits. These include:

Gold Delta SkyMiles Business comes with some other useful travel benefits not specific to Delta flights. These include:

Gold Delta SkyMiles Business has a nice lineup of non-travel benefits. These include:

The $95 annual fee is waived for the first year. There is never a foreign transaction fee. Cash advances cost the greater of $5 or 3%, while late and returned payments both cost up to $38. Terms and conditions apply – see rates and fees.

This card requires good to excellent credit.

Gold Delta SkyMiles® Business Credit Card from American Express is a great credit card for business owners who prefer Delta, live near airports served by Delta, and who fly frequently to destinations served by Delta. This describes a fairly wide swathe of the U.S. entrepreneurial population – but not everyone.

If you routinely fly out of another airline’s hub, another airline-specific business credit card is likely to be a better fit. And, if you’re one of the millions of business owners who don’t need to fly frequently, it’s worth considering a different type of business credit card altogether – perhaps one with a broader rewards program.

Need more ideas? Check out our credit card reviews page to learn about dozens of popular credit cards from Amex and others.

Gold Delta SkyMiles® Business Credit Card from American Express is a solid business travel rewards credit card that’s ideal for frequent Delta travelers who enjoy airport lounge access and relatively fast progress toward free flights. It’s not as good a deal for business owners who enjoy more varied and versatile rewards programs, nor those who value frequent flyer or traveler status above other perks.

Great airport lounge benefits, a nice welcome offer, solid redemption values, and no foreign transaction fees are all good. Annual fee, poor redemption values at SkyMiles MarketPlace, no automatic loyalty benefits, and slow point earnings on non-Delta purchases all hurt. Overall, a good business card for frequent Delta flyers, and so-so for everyone else.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Categories: American Express Business, Credit and Debt, Credit Cards, Lifestyle, Reviews, Small Business, Travel

Brian Martucci writes about frugal living, entrepreneurship, and innovative ideas. When he’s not interviewing small business owners or investigating time- and money-saving strategies for Money Crashers readers, he’s probably out exploring a new trail or sampling a novel cuisine. Find him on Twitter @Brian_Martucci.

Comments Disclosure: The below 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.

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