Delta SkyMiles Gold Business American Express Card Review 2024
Is it the best credit card for your startup?
Last Updated: By TRUiC Team
The Delta SkyMiles Gold Business American Express Card ranks up there with the best credit cards for startups – especially for small businesses that need a card with a relatively low annual fee. A solid rewards program, travel perks, and more make this card a standout. This review takes a deep dive into the Delta SkyMiles Gold Business American Express Card in the next few sections, covering details such as eligibility requirements, pros and cons, fees and features, and whether or not this is the right credit card choice for you.
Recommended: Get started with Delta SkyMiles Gold Business American Express Card.
Delta SkyMiles Gold Business American Express Card Eligibility Requirements
Like most of the most desirable business credit cards, you need to have good to excellent credit to qualify for this card. The required credit score ranges between 690 and 850, which might make this card inaccessible for some small business owners. Unfortunately, most cards that offer the best perks require a good to excellent credit score.
Pros and Cons of Delta SkyMiles Gold Business American Express Card
Pros of Delta SkyMiles Gold Business American Express Card
- Free checked bag for you and up to eight traveling companions
- Early boarding
- Bonus categories
Cons of Delta SkyMiles Gold Business American Express Card
- Annual fee
- Limited redemptions
- Need good to excellent credit to qualify
Should You Apply for a Delta SkyMiles Gold Business American Express Card?
We recommend the Delta SkyMiles Gold Business American Express Card for their travel perks and bonus features.
Delta SkyMiles Gold Business American Express Card Fees and Features
The Delta SkyMiles Gold Business American Express Card has a good balance of features and fees. Its rewards and benefits are significant and desirable, meaning that many startup founders will be more than happy to pay the annual fee to access them. There are cheaper cards, and there are cards with better benefits, but cheaper cards carry fewer benefits, and cards with better benefits are more expensive. This card maintains a respectable middle position.
Rewards and Benefits
- $0 introductory annual fee for the first year
- First checked bag free on Delta flights
- Main Cabin 1 priority boarding
- $100 Delta flight credit after you spend $10,000 on the card in a calendar year
- Earn two miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible US purchases for advertising in select media, on every dollar spent on eligible US shipping purchases, on every eligible dollar spent at restaurants.
- Earn one mile on every dollar spent on other purchases
- No foreign transaction fees when you travel overseas
Interest Rates
- Variable APR: 18.74%-27.74%
- Cash Advance APR: 28.24%
Fees
- Annual Fee: $99 ($0 for the first year)
- Cash Advance Fee: Either $5 or 3% of the amount of each cash advance (whichever is greater)
As you can see, the card comes with plenty of perks if you fly Delta. It also has a respectable rewards program with an emphasis on business transactions. And if you plan on traveling overseas very often, the lack of foreign transaction fees can be a big money saver. For many small business owners, the modest $99 annual fee is well worth the benefits of using the card.
How Does Delta SkyMiles Gold Business American Express Card Compare?
There are plenty of business credit cards to choose from, so it makes sense to compare your options. Let’s look at how the Delta SkyMiles Gold Business American Express Card compares to a newer entry into the business credit card landscape, Rho.
Delta SkyMiles Gold Business American Express Card
$99 Annual Fee
Travel perks, including free checked bags, priority boarding, and double miles on Delta purchases.
Best for: Those that plan on using Delta for travel and need a card with business-specific bonuses, like double points for advertising and shipping purchases.
Rho Business Credit Card
$0 Annual Fee
More cash back the quicker you pay off your balance.
Best for: Businesses with enough cash flow to meet the requirements and that can pay off their balances quickly to maximize cash back.
Final Thoughts on Delta SkyMiles Gold Business American Express Card
If you’re looking for a business credit card that is both accessible and offers a strong rewards and benefits program, this might be it. The annual fee is affordable, the travel benefits are significant, and you get double points for business-related purchases like advertising and shipping. If your travel and spending patterns let you maximize your benefits, you should seriously consider this card.
Frequently Asked Questions
What credit score is needed for Delta SkyMiles Gold Business American Express Card?
This card is only available for those with good to excellent credit. You need a credit score of 690–850 to qualify.
How much does the Delta SkyMiles Gold Business American Express Card cost?
The card is free for the first year. After that, you will need to pay an annual fee of $99.
What rewards are included with the Delta SkyMiles Gold Business American Express Card?
There are a lot of rewards that come with the SkyMiles Gold Business card, including travel perks and no foreign transaction fees. You also get two miles for every eligible dollar spent on purchases made directly with Delta, spent on US purchases for advertising in select media, spent on US shipping purchases, and spent on dining at restaurants, and one mile for every eligible dollar spent on other purchases.
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