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 Bilt Palladium
Both are well-respected travel cards. The Delta SkyMiles Gold Business Amex comes from American Express at $150/yr; the Bilt Palladium from Bilt / Cardless at $495/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Bilt Palladium is the stronger pick today, the sign-up bonus is meaningfully larger ($1,125 more in estimated value) than the Delta SkyMiles Gold Business Amex's. Get the Bilt Palladium first; revisit the Delta SkyMiles Gold Business Amex after you've earned that bonus.
| Feature | Delta SkyMiles Gold Business Amex | Bilt Palladium |
|---|---|---|
| Annual fee | $150 | $495 |
| Sign-up bonus | 60,000 bonus miles | 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status |
| Bonus value (est.) | - | $1,125 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | American Express | Bilt / Cardless |
| Card category | business | travel |
| Best earning category (Travel) | 2x | 2x |
| Transfer partners | None | bilt |
| 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
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Editorial take: Bilt Palladium
Bilt 2.0's top tier ($495 AF), launched February 7, 2026 by Cardless. Stacks $400 hotel + $200 Bilt Cash + the Obsidian benefit set + Priority Pass with 2 guests. For Bilt loyalists who already hit the rent-day game hard, the math works; for everyone else, Obsidian is plenty.
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Gold Business Amex or Bilt Palladium?
- The Bilt Palladium has a public bonus (50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125), 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 Bilt Palladium?
- 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 Bilt Palladium's, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Gold Business Amex and Bilt Palladium?
- Yes, since they're from different issuers (American Express and Bilt / Cardless) the application rules don't conflict. 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 Bilt Palladium first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Gold Business Amex: no published min spend. Bilt Palladium: $4,000 in 3 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.