Delta SkyMiles Gold Business American Express Review [2021]: Just How Many Miles Can You Earn?

The travel perks with this credit card are great, but does the relatively low welcome bonus rule it out?
Last updated May 1, 2021 | By Kevin Payne

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The Delta SkyMiles Gold Business American Express Card is the entry-level Delta business card offering from Amex. Unfortunately, that means a somewhat disappointing welcome bonus for new card members when compared to the more premium Delta credit cards.

Let’s dig into the details to see if the perks outweigh the cons — or if you should focus your rewards travel elsewhere.

Double miles on Delta purchases


  • Earn 50,000 bonus miles and $50 statement credit
  • 2X miles on eligible purchases with Delta, at restaurants worldwide, and more
  • First checked bag free + priority boarding
  • No foreign transaction fees
  • Terms apply
  • See rates and fees


  • Best suited for frequent Delta travelers
  • Has annual fee after first year

Who should get this card?

Small business owners who are frequent Delta travelers could find value in the Delta SkyMiles Gold Business American Express Card. Travel perks include priority boarding, free checked bags, inflight savings, and travel insurance options when using this card.

Delta purchases earn bonus miles with this card, too. Card members earn 2X miles per $1 spent on purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media; 1X miles per $1 on all other eligible purchases.

You get all of that for an annual fee of $99 (waived first year) (See rates and fees). But if you aren’t able to frequently take advantage of the card’s Delta perks, such as waived baggage fees on your first checked bag, it’s hard to justify paying the annual fee and this may not be the best airline credit card for you. If your main goal is to earn and redeem Delta SkyMiles, there are other Delta credit cards that have a higher earning potential.

Card basics

Card type Business
Card Issuer American Express
Annual Fee $99 (waived first year)
Intro Bonus Earn 50,000 bonus miles and a $50 statement credit after you spend $2,000 on purchases in the first 3 months
Recommended Credit Score Excellent, Good
Foreign Transaction Fee None (See rates and fees)

Top card benefits

  • Decent welcome offer: With this card, you can earn 50,000 bonus miles and a $50 statement credit after you spend $2,000 on purchases in the first 3 months. 
  • Free checked bags: The Delta SkyMiles Gold Business Credit Card gets you your first checked bag free of charge. This can add up to a $60 savings for round-trip flights.
  • Priority boarding: Enjoy early boarding privileges on Delta. You’ll get first dibs on the best spot for your carry-on bag and relax in your seat before other passengers. It’s such a nice feeling to avoid the line at the gate before your flight.
  • Inflight savings: Cardholders receive 20% off Delta inflight purchases, including food, drinks, and headphones. This comes in the form of statement credits, which will appear on your statement eight to 12 weeks after the transaction is posted.
  • Flight credit: Once you have put $10,000 of purchases on your card within one calendar year, you earn a $100 Delta Flight Credit. You can use this credit toward future travel with Delta.
  • Travel and rental car insurance: You’re covered when you travel and use this card. This includes up to $100,000 in travel accident coverage, plus baggage insurance worth up to $1,250 for carry-ons and up to $500 for checked bags if your luggage is lost or stolen. Card members also get secondary coverage if their rental car is damaged or stolen. Purchases must be made with your Delta SkyMiles Gold Business Credit Card to be eligible.

Earning & redeeming

Best ways to earn

The Delta SkyMiles Gold Business American Express Card offers a straightforward rewards program. It’s easy to understand, since there are only two spending categories: Delta and non-Delta purchases. But unless you’re a frequent Delta traveler, your earning potential is limited with this business card.

Categories Rewards rate
Purchases at Delta, restaurants, eligible U.S. shipping, and eligible advertising in select media 2X
All other eligible purchases 1X

The most lucrative way to earn miles is through purchases made directly with Delta. This includes booking flights, as well as seat upgrades, pre-purchased meals, inflight purchases, Delta Sky Club memberships or passes, and Delta Vacation packages.

Beyond Delta purchases, the card earns just one mile per dollar spent elsewhere. If your goal is to earn enough Delta miles to fund travel, you may need to charge quite a lot to this card to earn enough miles.

Maximizing your redemptions

The Delta SkyMiles program offers a couple of redemption options for card members. The smart choice is to spend your SkyMiles on travel with Delta and its airline partners. Delta has over 20 airline partners, including Air France, Korean Air, Virgin Atlantic, WestJet, and Hawaiian Airlines.

There’s also a SkyMiles Marketplace where you can redeem miles for other things, such as gift cards, merchandise, and booking other travel options. The redemption value for these is often lower than using your miles toward Delta flights. If you’re interested in using rewards for shopping, this card probably won’t be of much value to you.

Common questions

How much are Delta SkyMiles worth?

There isn’t a set standard value for SkyMiles; the value varies depending on the specific redemption you pursue. One way to calculate the value is to take the cash price of flight (including taxes and fees) and divide it by the number of miles needed. This gives you the value of one point for your flight. Aim to get more than one cent per mile with redemptions.

Can you have two Delta Amex cards?

Yes, you can. Having more than one Delta Amex card can speed up your SkyMiles earning, but make sure any potential rewards outweigh the cost of the annual fees.

How many miles do you need for a free flight on Delta?

The number of miles needed for a free flight depends on many factors, such as arrival and destination locations, if it’s a one-way or round-trip ticket, and the time and day of the week.

Do Delta miles expire?

You can take your time building up your SkyMiles for your next big adventure knowing that they will never expire.

Other cards to consider

Delta lovers may want to opt for the most elite Delta Amex business card: the Platinum Delta SkyMiles Business Card

It offers all of the same travel perks (and more), but it has a larger welcome bonus: Earn 60,000 bonus miles, 5,000 Medallion Qualification Miles (MQMs), and a $100 statement credit after you spend $3,000 on purchases in the first 3 months. The annual fee for this card is higher, however, at $250 (See rates and fees).

Another solid choice for earning travel rewards is the Chase Sapphire Preferred. It has an annual fee of $95, but it offers the chance to earn 80,000 points after spending $4,000 on purchases in the first 3 months (plus earn up to $50 in statement credits on grocery store purchases in the first year). That equates to $1,000 in travel booked through the Chase Ultimate Rewards portal.

Double miles on Delta purchases

Special Offer

Earn 50,000 bonus miles and a $50 statement credit after you spend $2,000 on purchases in the first 3 months

See rates and fees

See how these cards compare:

Delta SkyMiles Platinum Business American Express Card
Delta SkyMiles Platinum Business American Express Card
  • Earn 60,000 bonus miles and 5,000 MQMs
  • 3X miles on Delta purchases and eligible hotel purchases
  • Annual companion certificates
  • Free checked bag + priority boarding
  • No foreign transaction fees
  • Terms apply
  • See rates and fees
Chase Sapphire Preferred
Chase Sapphire Preferred
  • 80,000 point sign-up bonus
  • Up to $50 statement credit for grocery store purchases
  • 2X points on eligible dining and travel purchases
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • Premium travel protection benefits

Author Details

Kevin Payne Kevin Payne is a freelance writer specializing in student loans, credit cards, personal finance, and travel. He is a regular contributor to Club Thrifty, Millennial Money, and Student Loan Planner. As the budget and family travel expert behind, Kevin recently turned his writing side hustle into his full-time career. He lives in Cleveland, Ohio, with his wife and four kids.