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01 · overview

Delta SkyMiles Gold Business American Express

90,000 miles welcome · 2x on airlines · $150/yr

Delta SkyMiles Gold Business American Express
Annual fee
$150
Per year
Sign up bonus
90K mi
After $6,000 in 6 mo · ≈ $1,080
Credits
$270
3 credits · 4 perks
Median FICO
Approved
Median income
Approved
Our take

For a small business that puts people on Delta flights, the Gold Business pays for its $150 annual fee through baggage alone: a free first checked bag worldwide and a free second bag domestically for the cardmember and up to 8 companions on the same reservation. Earning covers common business lines at 2x on Delta purchases, restaurants worldwide, and U.S. shipping providers, with U.S. advertising in select media also at 2x under its own $50,000 annual cap, and 1x on everything else. The welcome offer is back at 90,000 miles after $6,000 in 6 months and ends November 4, 2026, though it has bounced between 60,000 and 90,000 four times since May, so timing an application around it is a gamble. Annual credits are useful but conditional: up to $150 on Delta Stays bookings, up to $10 a month on U.S. rideshare after your first renewal, and a $200 Delta Flight Credit that requires $10,000 of spend in a calendar year. Fair value for a Delta-heavy travel budget, thin if your team flies other airlines.

Welcome bonus
90K mi
After $6,000 in 6 mo · ≈ $1,080
Offer ends 2026-11-04.
Apply now
02 · earn & credits

Earn rates & credits

Earn rates
CategoryRate
Airlines
Delta purchases
2x
Dining
Restaurants worldwide
2x
Shipping
U.S. shipping providers; U.S. advertising in select media also earns 2x with its own separate $50,000 annual cap
on first $50,000/yr, then 1x
2x
Everything Else
1x
Estimated value: 1.2¢/mile
Credits & rebates
BenefitValue
$150 Delta Stays Credit
Up to $150 annual statement credit on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.
$150 /yr
20% Inflight Purchase Credit
20% savings in the form of a statement credit on eligible Delta in-flight food and beverage purchases.
20%
Rideshare Statement Credit
Up to $10 in statement credits each month on U.S. rideshare purchases with select providers, after first card renewal
$120 /yr
Total annual credits$270
Perks & protections
Free Checked Bags
First checked bag free on Delta flights worldwide and second checked bag free on domestic Delta flights, for you and up to 8 companions on the same reservation
Priority Boarding
Main Cabin 1 priority boarding on Delta flights
TakeOff 15
15% off Delta award flights when booking through delta.com or the Fly Delta app
$200 Delta Flight Credit
$200 Delta Flight Credit after spending $10,000 in purchases in a calendar year.
03 · card details

Card details

Regular APR
19.49%–28.49% variable
Foreign transaction fee
None
04 · approval odds

Approval odds

n = 1 · 1 denied
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