American Express

Delta SkyMiles Gold Business Card

Cobranded Business

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

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Last updated Oct 19, 2026

Checked Oct 28, 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.

Sign-up bonus history

5-year best: 90,000 miles

$3k spend $4k spend $6k spend 5-year best

View as a table

Period	Bonus	Spend requirement
Oct 2021 to Jun 2026 · 4.6 yr	60,000 miles	$3,000
Jun 2026 to Jul 2026 · 1 mo	90,000 miles Best	$4,000
Jul 2026 to Aug 2026 · 1 mo	60,000 miles	$3,000
Aug 2026 to now · 2 mo	90,000 miles Best	$6,000

Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.

How you earn

Category	Rate	Currency	Cap
Restaurants Best card for dining	2x	Miles	No cap
Flights	2x	Miles	No cap
Advertising Best card for advertising	2x	miles	$50,000/yr
Shipping Best card for shipping	2x	miles	$50,000/yr
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. Shared across the account Cards that cover Delta Stays	$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. Shared across the account	$120/yr (Monthly)

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

Benefits & protections

Card facts

Travel Benefits 6

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.

Shared across the account

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.

Employee cards only when traveling with you

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.

Employee cards only when traveling with you

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

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.

Covers employee cards when they pay with their card

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.

Covers employee cards when they pay with their card

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.

Covers employee cards when they pay with their card

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.

Covers employee cards when they pay with their card

Other Perks 1

Use your Delta SkyMiles Gold Business Card globally without incurring foreign transaction fees.

Employee cards on the Delta Gold Business

Card facts

Employee cards are free.

Each employee card gets

Baggage insurance plan
Car rental loss and damage insurance
Extended warranty
Purchase protection

Shared across the account

Delta flight credit
Delta stays credit
In flight purchase savings
Rideshare statement credits

Only when traveling with you

Free checked bags
Zone 5 Priority boarding