American Express

Delta SkyMiles Gold Business Card

Cobranded Business

Annual fee	$150 Fact
Foreign transaction fee	None
Rewards currency	Miles
Est. point value	1.20¢ Estimate

Apply for this card

Last updated Jul 26, 2026

Checked Jul 26, 2026

Before you apply

2/90. American Express generally approves at most 2 of its credit cards per 90 days. Community-reported.

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

5 credit card limit. American Express generally limits you to 5 of its credit cards at once. Community-reported.

10 charge card limit. American Express generally limits you to 10 of its charge cards at once. Community-reported.

General American Express policies as commonly reported by applicants, not a prediction about your application.

How you earn

Category	Rate	Currency	Cap
Restaurants	2x	Miles	No cap
Other	2x	Miles	$50,000/yr
Brand purchases	2x	Miles	No cap
Everything else	1x	Miles	No cap

Recurring credits

Estimated value

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.	$150/yr (Calendar Year)
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.	$120/yr (Monthly)

Credit value depends on whether you use each credit; treat these as potential value.

Benefits & protections

Card facts

Travel Benefits 5

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.

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.

Save 15% anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app.

Your first checked bag flies free on international and domestic Delta flights, and your second bag flies free on domestic Delta flights too, for you and up to 8 additional passengers on the same reservation.

Protection & Insurance 4

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.

Coverage for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket on an Eligible Card, up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.

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.

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.