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 USAA Rate Advantage Visa Platinum
Both are well-respected travel cards. The Delta SkyMiles Gold Business Amex comes from American Express at $150/yr; the USAA Rate Advantage Visa Platinum from USAA 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 | USAA Rate Advantage Visa Platinum |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | 60,000 bonus miles | None |
| Bonus value (est.) | - | $0 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | American Express | USAA |
| Card category | business | rewards |
| Best earning category (Travel) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Delta SkyMiles Gold Business Amex
$150/yr · 60,000 bonus miles
Read the full review
USAA Rate Advantage Visa Platinum
$0/yr · None
Editorial take: USAA Rate Advantage Visa Platinum
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Gold Business Amex or USAA Rate Advantage Visa Platinum?
- The USAA Rate Advantage Visa Platinum has a public bonus (None, worth roughly $0), 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 USAA Rate Advantage Visa Platinum?
- 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 USAA Rate Advantage Visa Platinum's, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Gold Business Amex and USAA Rate Advantage Visa Platinum?
- Yes, since they're from different issuers (American Express and USAA) 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 USAA Rate Advantage Visa Platinum first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Gold Business Amex: no published min spend. USAA Rate Advantage Visa Platinum: $0 in 0 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.