Editorial take: Delta SkyMiles Gold Business Amex
A practical pick for small businesses that fly Delta. The free checked bag and priority boarding are the real perks; the 2x earning is merely okay.
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Side-by-side
Delta SkyMiles Gold Business Amex vs American Express Schwab Investor Card
Both are well-respected travel cards. The Delta SkyMiles Gold Business Amex comes from American Express at $150/yr; the American Express Schwab Investor Card from American Express at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Delta SkyMiles Gold Business Amex | American Express Schwab Investor Card |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | 60,000 bonus miles | 10,000 Membership Rewards points |
| Bonus value (est.) | - | $110 |
| Min spend to unlock bonus | - | $1,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | business | travel |
| Best earning category (Travel) | 2x | 1x |
| Transfer partners | None | amex-mr |
| Headline benefits |
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Read the full review
Delta SkyMiles Gold Business Amex
$150/yr · 60,000 bonus miles
Read the full review
American Express Schwab Investor Card
$0/yr · 10,000 Membership Rewards points
Editorial take: American Express Schwab Investor Card
The hidden gem of the Amex MR lineup for Schwab brokerage customers. Flat 1.5X MR with $0 annual fee, full transfer-partner access, AND a 1.0 cents-per-point cash-into-brokerage redemption guarantees you can always extract real cash. The catch: you need a Schwab brokerage account to apply.
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Gold Business Amex or American Express Schwab Investor Card?
- The American Express Schwab Investor Card has a public bonus (10,000 Membership Rewards points, worth roughly $110), while the Delta SkyMiles Gold Business Amex doesn't advertise one right now.
- Is the Delta SkyMiles Gold Business Amex's $150 annual fee worth it compared to the American Express Schwab Investor Card?
- At $150/yr, the Delta SkyMiles Gold Business Amex is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the American Express Schwab Investor Card's, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Gold Business Amex and American Express Schwab Investor Card?
- Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Delta SkyMiles Gold Business Amex or the American Express Schwab Investor Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Gold Business Amex: no published min spend. American Express Schwab Investor Card: $1,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.