Delta SkyMiles Gold Business Amex

Earning Rates

Key Benefits

• Free checked bag
• $200 flight credit
• 2x on Delta + shipping
• First year free

All Benefits

• $150 annual fee (current post-2024-refresh fee tier; The Points Guy product page lists the Delta SkyMiles Gold Business American Express Card as carrying a '$0 introductory annual fee for the first year, then $150' offer at present, though the introductory-year discount is periodically pulled and reinstated, so applicants should re-verify the fee structure on the American Express application page they are presented; the fee level itself is the same $150 tier as the Personal Delta SkyMiles Gold)
• Welcome offer: earn 60,000 bonus Delta SkyMiles after spending $4,000 in purchases on the new Card in the first 6 months of Card Membership (this is the current public, partner-tracked offer on the TPG product page, last updated 2026-04-02; elevated targeted/incognito offers of 90,000 bonus miles after $6,000 in 6 months have been observed in the wild but are not the public baseline, so the 90K tier should only be taken as an upper-bound figure to chase via incognito application links rather than the rate-card welcome offer)
• Earn 2 miles per dollar on eligible purchases made directly with Delta (Delta-marketed flights, Delta Vacations, Delta in-flight purchases, and other Delta-coded transactions); this is one rung below the Delta SkyMiles Platinum Business 3X Delta and the Delta SkyMiles Reserve Business 3X Delta, and matches the 2X Delta rate on the personal Delta SkyMiles Gold
• Earn 2 miles per dollar on eligible purchases at restaurants worldwide (TPG's product-page benefit text groups Delta and restaurants in a single 'Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants' bullet); unlike the personal Delta SkyMiles Gold there is no published spend cap on the restaurants category for the Business variant per the current TPG benefit panel
• Earn 2 miles per dollar at U.S. providers for shipping, capped at $50,000 in eligible shipping purchases per calendar year (then 1 mile per dollar thereafter); this is one of the two business-specific 2x categories that are NOT present on the personal Delta SkyMiles Gold and is positioned for small businesses with FedEx/UPS/USPS shipping spend
• Earn 2 miles per dollar at U.S. providers for advertising in select media (including online, TV, and radio advertising), capped at $50,000 in eligible advertising purchases per calendar year (then 1 mile per dollar thereafter); this category is shared by the Amex Business Gold's bonus-category list and is intended to capture Google Ads, Meta/Facebook Ads, and other digital ad spend
• Earn 1 mile per dollar on all other eligible purchases on the Card
• $0 introductory annual fee year (when available): TPG's current partner-tracked terms list a '$0 introductory annual fee for the first year, then $150' offer for new Card Members; this is a refresh-era enhancement and is periodically pulled, so applicants should screenshot the application page disclosures before submitting in case the first-year discount is not extended to their offer
• Up to $150 Delta Stays statement credit annually: receive an annual statement credit of up to $150 after using the Delta SkyMiles Gold Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com (this is structured as a single annual bucket; note that Jason's brief mentioned a $250 Stays credit, but the current TPG-tracked benefit text confirms $150 for the Business Gold tier — the $250 figure may have come from conflating the personal Delta SkyMiles Gold's $200 annual + $100 first-year stack)
• $200 Delta Flight Credit after $10,000 in eligible calendar-year purchases: spend $10,000 on the Card within a calendar year and receive a $200 Delta Flight Credit to use toward a future Delta flight booked through delta.com or the Fly Delta app (this credit replaced the prior $200 statement-credit-after-$10K bonus during the 2024 refresh; verify the redemption mechanic and expiration window on the current American Express benefit terms)
• Take 15% Off Award Travel (TakeOff 15): Delta SkyMiles Gold Business Card Members save 15% when using miles to book Award Travel on Delta-operated flights via delta.com and the Fly Delta app; the discount is reflected automatically at booking and does not apply to partner-operated flights or to taxes and fees
• MQD Boost (Medallion Qualification): earn $1 MQD for each $20 of eligible purchases on the Card in a calendar year, accelerating progress toward Silver, Gold, Platinum, and Diamond Medallion status the following Medallion Year (the Gold Business's boost rate matches the Platinum Business at $1 MQD per $20 and trails the Reserve Business's faster $1 per $10 rate); since 2024 the SkyMiles Medallion program is MQD-only, so MQM/MQS earning is no longer a benefit at any Delta co-brand tier
• Status Boost gap: unlike the Delta SkyMiles Platinum Business ($2,500 MQD Headstart) and the Delta SkyMiles Reserve Business ($2,500 MQD Headstart), the Gold Business does NOT include any annual MQD Headstart; the only Medallion-qualification contribution from the Gold Business is via MQD Boost on spend
• First checked bag free on Delta-operated flights worldwide for the cardholder and up to 8 travel companions on the same reservation when the Gold Business Card is used to pay the fare; Amex markets the benefit as up to $280 in round-trip baggage savings for a family of four and the same up-to-8-companions reach as the Delta Platinum Business and Reserve Business
• Main Cabin 1 priority boarding on Delta-operated flights (TPG, NerdWallet, and other third-party press describe this as 'Zone 5 Priority Boarding'), so the cardholder boards earlier and has a better chance at overhead bin space; this benefit is shared by every Delta co-branded credit card from Gold through Reserve
• 20% savings on eligible Delta in-flight purchases (food, beverages, and audio headsets) on Delta-operated flights, refunded as a statement credit on the Card used for the purchase
• No foreign transaction fees on purchases made outside the United States with the Delta SkyMiles Gold Business Card (added during the 2024 refresh; the pre-refresh Gold Business did charge a 2.7% foreign transaction fee, so the no-FX policy is a meaningful upgrade for business owners with international vendor spend or international travel)
• Pay with Miles: redeem Delta SkyMiles to cover all or part of an eligible Delta flight booking through delta.com; the Pay with Miles redemption value is typically around 1 cent per mile, well below NerdWallet's baseline 1.1 cents-per-mile valuation for SkyMiles on award flights, so this is positioned as a flexibility benefit rather than an outsized-value redemption
• Complimentary Upgrade priority: if you are not a Medallion Member, Delta SkyMiles Gold Business Card Members on an eligible ticket are added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and Reserve Card Members; if you are a Medallion Member, your Medallion tier still drives upgrade order while the Card improves sub-tier positioning
• Free Employee Cards: the Delta SkyMiles Gold Business Card offers complimentary additional Employee Cards (no per-card annual fee), each earning Delta SkyMiles at the same rewards rates as the primary Card and contributing toward the primary Card Member's MQD Boost calculation; this differs from the Delta SkyMiles Platinum Business and Reserve Business, which charge per-Employee-Card annual fees
• Car Rental Loss and Damage Insurance: when the Card is used to reserve and pay for the entire rental and you decline the rental company's collision damage waiver (CDW) at the counter, the Card can provide secondary coverage for damage to or theft of a rental vehicle in a Covered Territory (secondary in the cardholder's country of residence and behind any personal auto policy); coverage excludes liability, and Australia, Italy, and New Zealand are excluded territories, and not all vehicle types or rentals are covered
• Global Assist Hotline: 24/7 access to medical, legal, financial, and other select emergency coordination and assistance services when traveling more than 100 miles from home (third-party costs paid by the cardholder; Amex's coordination service itself is complimentary); the Gold Business does not include the Reserve's upgraded Premium Global Assist Hotline coverage
• Trip Cancellation/Interruption Insurance: when the Card is used to pay for a covered round-trip on a common carrier, reimbursement is available for non-refundable, prepaid trip payments if the trip is canceled or interrupted due to covered reasons such as covered illness, injury, or severe weather (note: the Gold Business's trip cancellation benefit is conditional on the current Amex schedule of trip-protection benefits for this card and is not always confirmed in TPG's headline benefit summary, so applicants should re-verify the trip-cancellation coverage limits on the American Express benefit terms PDF before relying on it; the Reserve Business carries a more robust trip-protection package)
• Purchase Protection: charges of covered purchases on the Card can be protected for up to 90 days from the Covered Purchase date against theft or accidental damage, limited up to $1,000 per Covered Purchase and up to $50,000 per Card Member account per calendar year per the standard Amex schedule for this benefit tier
• Extended Warranty: extends the terms of the original U.S. manufacturer's warranty on Covered Purchases in the U.S., applicable to warranties of 5 years or less, with the standard Amex per-claim and annual maximums
• Amex Offers and American Express Business Experiences: enroll in targeted Amex Offers for statement credits and bonus miles at travel, dining, shipping, advertising, and B2B SaaS merchants; the Business Card platform also surfaces business-specific offers (Indeed, Dell, FedEx, etc.) that are not available on personal Cards
• Pay Over Time and Plan It flexibility: eligible Card Members can move charges to a separate balance with interest (Pay Over Time), or split eligible business purchases of $100 or more into fixed monthly payments with a fixed monthly fee and no interest (Plan It)
• Membership Rewards points are NOT earned on the Delta SkyMiles Gold Business Card; the card earns Delta SkyMiles directly, and SkyMiles cannot be transferred to other airline frequent flyer programs (the relationship is one-way: Amex Membership Rewards transfers to SkyMiles at 1:1, but Delta-co-branded cards do not earn MR)
• Not offered: Delta Sky Club access (no Sky Club access at any spend level on the Gold Business; Sky Club access on a Delta business card requires the Delta SkyMiles Reserve Business American Express Card, and pay-per-visit access at $50/visit was retired in 2024); TPG's listed 'cons' explicitly call out 'No Delta SkyClub lounge access' as the headline drawback at this tier
• Not offered: Centurion Lounge access (the Centurion Lounge network is reserved for the Amex Platinum / Business Platinum / Centurion tiers and is not available to any Delta co-branded cardholder, including the Reserve Business, Platinum Business, or this Gold Business)
• Not offered: Annual Companion Certificate (the Companion Certificate benefit is reserved for the Personal Platinum, Reserve, Business Platinum, and Business Reserve tiers; the Gold Business does NOT include any annual companion ticket, which is the single largest value gap relative to stepping up to the Delta SkyMiles Platinum Business's higher annual fee tier)
• Not offered: MQD Headstart, Resy Credit, Rideshare Credit, Baggage Insurance Plan, Premium Global Assist Hotline, or hotel elite status; these benefits sit on the Delta SkyMiles Platinum Business and/or Reserve Business tiers and are part of the value gap between the Gold Business's $150 annual fee and the Platinum Business / Reserve Business higher-fee tiers
• Best-fit positioning: the Delta SkyMiles Gold Business is the entry-level Delta business card with a meaningful annual fee, optimized for small-business owners who fly Delta once or twice a year, want first-bag-free + Main Cabin 1 boarding + no foreign transaction fees, and have steady U.S. shipping and U.S. advertising spend they can route to the card to earn at 2x — without paying for Sky Club access, an Annual Companion Certificate, or MQD Headstart at the Platinum Business / Reserve Business tiers