The Complete Review of the Gold Delta SkyMiles Business Credit Card

Editor’s Note: American Express is a partner of Fundera.

If you’re a frequent traveler for your small business, then you know just how expensive your flights, hotels, and rental car can be.

That’s why every small business owner who’s always up in the air should absolutely be using a travel business credit card to save money on travel expenses.

But to narrow down your business credit card search even further, take a look at which airline you’re always on for business.

Is it Delta?

If it is, then we’ve found one of the best business credit cards for you: the Gold Delta SkyMiles Business Credit Card from American Express.

Gold Delta SkyMiles Business Credit Card: The Basics and the Benefits

The Gold Delta SkyMiles Business Credit Card offers a wide array of benefits for frequent Delta travelers.

But before we dive into the added travel perks that make the Gold Delta SkyMiles Business Credit Card a great choice for travelling business owners, let’s cover the absolute basics of the card.

The Gold Delta SkyMiles Business Credit Card works on a bonus rewards system, letting you earn SkyMiles for every dollar you spend on the card. Those SkyMiles directly translate into bonus miles you can redeem for your business travel through Delta Airlines.

Here’s how you earn on the Gold Delta SkyMiles Business Credit Card:

• Earn 2 SkyMiles for every dollar spent on purchases made directly with Delta.

• Earn 1 SkyMile for every dollar spent on all other eligible purchases.

And to welcome you as a cardmember, you can get a sizable sign-up bonus: Earn 30,000 bonus SkyMiles after you make $1,000 in purchases on your new card in the first 3 months of owning it. You’ll also earn a $50 statement credit once you make just one purchase with Delta in the first 3 months of owning the card.

Gold Delta SkyMiles Business Credit Card: 5 Reasons to Love This Business Credit Card

When you use the Gold Delta SkyMiles Business Credit Card for your Delta and regular purchases, you bring in valuable bonus miles for your business.

But here are 5 other perks that come with the Gold Delta SkyMiles Business Credit Card that you need to know about.

1. Pay With Miles

Pay With Miles is a benefit that SkyMiles members with Delta business credit cards can take advantage of to save money on flights.

Once you collect enough miles, you can redeem them for discounts on Delta airfare—sometimes those discounts are so big that your flights are free. SkyMiles reward value usually comes in at $100 for every 10,000 points redeemed. If you’re constantly using the Gold Delta SkyMiles card, you’ll eventually rack up enough miles to really benefit from the Pay With Miles feature.

2. First Checked Bag Free

If you’re traveling for a long time for your business, carrying-on might not be an option. And dishing out $25 each way to check your bags isn’t ideal.

Well, as a Gold Delta SkyMiles card member, you’ll have your first checked bag free for Delta flights. That’s a cool $50 savings for your business’s roundtrip flights.

3. Priority Boarding

When you own a Gold Delta SkyMiles Business Credit Card, you don’t have to wait in long boarding lines.

You can take advantage of priority boarding in Zone 1 and settle in faster on Delta flights as a card member.

4. 20% In-Flight Savings

When you use your card to make purchases on Delta in-flight purchases—think food, beverages, media upgrades, etc.—you get a 20% discount.

That 20% savings on every flight will come back to you in the form of a statement credit after your travels.

5. Delta Sky Club

As a Gold Delta SkyMiles Business Credit Card member, you can travel in comfort by enjoying the Delta Sky Club before you head out on a Delta flight.

Card ownership gives you discounted access to the Delta Sky Club for you and up to 2 of your guests.

6. No Foreign Transaction Fees

A lot of credit card issuers ding you with a foreign transaction fee of around 3% when you swipe your card overseas.

But with the Gold Delta SkyMiles Business Credit Card, there’s no foreign transaction fee. So if you’re traveling Delta overseas, the Gold Delta SkyMiles is just that much better.

Gold Delta SkyMiles Business Credit Card: What’s Not to Love?

With a solid bonus miles rewards rate and a slew of travel perks, the Gold Delta SkyMiles Business Credit Card seems to be coming in as one of the best business credit cards for travelers.

But what are the reasons why you might hesitate on this card?

Well, for one, this business credit card is only for absolute Delta loyalists. The 2x bonus rewards on flight purchases come your way only when you make Delta purchases—so if you mix up the airlines you travel with, this business credit card won’t make a ton of sense for you. You might want to consider a general travel rewards business credit card, like the Business Platinum Card instead.

One other downside to note is the Gold Delta SkyMiles Business Credit Card’s annual fee of $95. The fee is waived for the first year of card membership, though. And when you think about what you’ll be saving on travel expenses by using the Gold Delta SkyMiles Business Credit Card, the annual fee is pretty worth it. Say you take 2 roundtrip flights in one year and check bags—that’s $100 of savings right in those 2 trips.

When it comes down to it, if you’re ready to maximize your rewards on the Gold Delta SkyMiles Business Credit Card, then you shouldn’t worry about the annual fee.

When Does it Make Sense to Apply to the Platinum Delta SkyMiles over the Gold Delta SkyMiles?

Another business credit card option for Delta enthusiasts is the next level up from the Gold Delta SkyMiles: the Platinum Delta SkyMiles.

The Platinum Delta SkyMiles offers similar benefits to its Gold counterpart, but, according to American Express, helps you elevate your Delta Medallion status.

With the Platinum Delta SkyMiles, you’ll earn Medallion Qualification Miles with a sizeable signup bonus. The more Medallion Qualification Miles you earn, the closer you come to unlocking much more valuable travel perks and benefits.

Plus, you’ll get a $100 statement credit when you first use this business credit card, as opposed to the Gold Delta SkyMiles’ $50 credit.

However, because this card is generally more rewarding than the Gold Delta SkyMiles credit card, it comes with a higher annual fee attached—$195 each year.

The Bottom Line on the Gold Delta SkyMiles Business Credit Card

The Gold Delta SkyMiles Business Credit Card is a solid—if not the best—choice for a Delta loyalist who’s always traveling for business. The Platinum Delta SkyMiles might be more rewarding for very frequent Delta travelers, but you’ll have to dish out more in annual fees.

Plus, if travel perks that help you travel comfortably matter to you, then this is the card for you.

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