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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Delta SkyMiles Gold Business Card card art
Delta Gold Business 1 of 1
Comparing 1 card
Delta SkyMiles Gold Business Card card art
American Express
Delta Gold Business
Apply Details
Cost and value $150 fee
Annual fee
$150
Credits you can use a year, if you use every one
$270
Fee after credits
$120 back credits beat the fee
Point value per point or mile
1.20¢ Estimate
Rewards currency
Delta SkyMiles
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 90,000 miles, about $1,080
Bonus
90,000 miles
Estimated value
$1,080
Spend to earn it less a month is easier
$6,000 in 180 days about $1,000 a month
Offer ends
Nov 4, 2026
Varies by applicant
Yes the issuer may show you a different offer
Earning rates Top rate 2x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
2x about 2.4% back
Shipping
2x about 2.4% back, on up to $50,000/yr
Advertising
2x about 2.4% back, on up to $50,000/yr
Everything else
1x about 1.2% back
Only on this card
  • 2x Flights
Statement credits $270 a year
Rideshare
  • $120 a year $10 every month
    What counts

    After your first Card renewal, enroll and earn up to $10 in statement credits each month when using your Delta SkyMiles® Gold Business American Express Card on U.S. rideshare purchases with select providers.

Travel booking
  • $150 a year resets every year
    What counts

    Get up to $150 back per year as a statement credit after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

Monthly credits to track fewer is less work
1
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Travel benefits
  • Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
  • First checked bag flies free on international and domestic Delta flights, and second bag flies free on domestic Delta flights, for the Card Member and up to 8 additional passengers on the same reservation.
  • Save 15% anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app.
Protection and insurance 4 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Baggage
  • Coverage for lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket on an eligible Card, up to $1,250 for carry-on and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier.
Rental car
  • When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW), you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.
Extended warranty
  • When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty on warranties of 5 years or less in the United States or its territories or possessions.
Purchase protection
  • Purchase Protection can help protect Covered Purchases for up to 90 days from the purchase date if stolen or accidentally damaged, limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year.
Lifestyle and other perks 1 perk
Other perks
  • Use your Delta SkyMiles Gold Business Card globally without incurring foreign transaction fees.
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Card type
Business