Delta SkyMiles® Gold Business American Express Card
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The card_name is a business card designed for those who fly Delta and want a few perks on their flights. The first checked bag is free on Delta flights, and you get priority boarding. It also has a welcome offer, and $0 introductory annual fee for the first year, then $150. Additional perks include saving 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app (Terms Apply). Card members also receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
You can earn an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. There’s also a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year. Let’s dive into the details and your approval odds in this SkyMiles Gold Business review.
Welcome Offer
Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 4/2/25. Terms Apply.
Our Rating
4.6/5.0
Welcome Offer
Earn 90,000 Bonus Miles
Annual Fee
$0 introductory annual fee for the first year, then $150
0% Intro on Purchases
N/A
Reward Rate
1x – 2x miles
0% Intro on Balance Transfers
N/A
Welcome Offer
Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 4/2/25.
Editorial Review
Features & Benefits
Security | EMV Chip Enabled, Alerts |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Free Checked Bags, Luggage Protection |
Rewards
Interest Rates & Fees
Annual Fee | $0 introductory annual fee for the first year, then $150 |
Foreign Transaction Fee | None |
Regular APR | 19.99% - 28.99% (V) APR |
Insurance
Extended Warranty
When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Purchase Protection
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Lost Baggage Insurance
Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
What Credit Score Is Required to Get the Delta SkyMiles® Gold Business American Express Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 604
Average Approved Credit Score: 610
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/06/2022 | Equifax | ||
Approved | 05/06/2022 | Experian | ||
Approved | 05/06/2022 | TransUnion |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Annual fee
- Requires good credit
What Are the Best Alternatives?

Southwest Rapid Rewards® Premier Credit Card
Rating
4.5
Rewards Range
2x - 3x Points
Annual Fee
$99

Ink Business Preferred® Credit Card
Rating
4.7
Rewards Range
1-3x points
Annual Fee
$95

Capital One Spark Cash Select
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0
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To view rates and fees of the Delta SkyMiles® Gold Business American Express Card, see this page.