Delta SkyMiles Gold Business Amex
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Earn 75,000 bonus miles after spending $6,000 in the first 6 months.
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.
Earning Rates
At a glance
- Free checked bag
- $200 flight credit
- 2x on Delta + shipping
- First year free
Earning rates
5- 3xflights
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
- 2xdining
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
- 2x
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
- 2x
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
- 1xeverything else
Earn 1 mile per dollar on all other eligible purchases on the Card
Transfer partners
1Statement credits
4- $150Delta Stays CreditYearly
Up to $150 annual statement credit on prepaid hotels/vacation rentals booked through Delta Stays on delta.com
- $200Delta Flight Credit (spend-triggered)Yearly
$200 Delta Flight Credit after $10,000 in eligible calendar-year purchases
- $150Up to $150 Delta Stays statement credit annually
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)
- 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
Perks & memberships
10- Airline perkTake 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
- Status earningMQD 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
- Airline perkFirst 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
- Airline perkMain 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
- No foreign feesNo 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)
- RedemptionPay 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
- Airline perkComplimentary 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
- Status earningFree 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
- Payment flexibilityPay 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)
- Lounge accessBest-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
Travel & purchase protections
4- 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
- 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
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See the Current Offer
Earn 60,000 bonus miles
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