Delta Skymiles Gold Commercial US Express Card Overview
The Delta Skymiles® GoldBusiness American Express card is a reliable starting point for business owners looking to dip their toes into the Delta’s shared brand lineup. The annual fee for the first year is $0 (and then $150 per year; see rates and fees), several nice allowances and some delta-specific benefits. Card rating*: ⭐⭐
*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.
Business owners loyal to Delta Airlines have many weekly travelers who still make joint choices in the air.
The Delta Skymiles Gold Business American Express card is the first product in the Delta business card lineup. To increase applicants’ chances of approval, we recommend that they have a credit score of 670 or higher. The card has an annual fee of $150 (the annual introduction fee for the first year is $0).
This card is built for those who want to make money and take advantage of the privileges when taking advantage of the Delta, but they may not travel with the airline to justify a more advanced card.
Let’s see how this card stacks with its delta counterpart and other non-Delta alternatives.
Pros and cons of Delta Commercial Amex
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Delta Gold Business Welcome Offer
Delta Skymiles Gold Business Amex offers new CardMembers with the opportunity to earn 90,000 miles of bonus miles after spending $6,000 in the first six months of card membership. This offer ends on July 16.
According to TPG’s June 2025 valuation, the value of this offer is $1,125. This is the best quote we’ve seen on this card, so if you’ve been on the fence, it’s time to apply.
The $0 introductory annual fee for the first year ($150 a year thereafter) makes it a decent choice for business owners who occasionally ride the Delta.
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American Express also limits people who can apply for a card, which usually does not meet popular bonuses if you have previously held this card. American Express may also look at other factors when determining eligibility for a welcome offer, but they will notify you of being able to receive a welcome offer for your card before making a credit score.
Related: Best Delta Credit Cards
Triangle Gold Business Amex Benefits
While the Delta Skymiles Gold Business Amex card doesn’t have the same quality offers as its expensive Delta business card, it brings some benefits when flying on the Delta (apply):
- Reward flight discount: Rewards for Delta flights 15% redemption (when paying tax using this card)
- Delta keeps credit: Annual statement of $150 per year for the annual academic year with Delta accommodation in eligible prepaid bookings, Delta’s Hotel Travel Portal
- Delta Flight Credit: Get $200 Delta Flight Credit after spending $10,000 in a calendar year
- Free inspection bag: You and up to eight same partners on the same booking (and therefore a total of nine travelers) get the first check bag for free when riding a Delta-marketed and operated flight. $70 round trip per bag, which can be increased quickly if you travel regularly.
- Priority boarding: Receive Zone 5 boarding on your Delta flight and up to eight companions in the same booking.
- On-board discount: When you pay with your card (excluding on-board Wi-Fi purchases), you get a 50% statement, including pre-purchased meals, food, alcoholic beverages and audio headphones.
- Baggage Insurance Plan: If your luggage is lost, damaged or stolen, when you pay for travel with the card, you can receive up to $1,250 for a checked bag with you, which can accommodate up to $500 for your luggage. ************
- Car rental loss and damage insurance: If your qualified rental car is damaged or stolen when you use the card to retain and pay and refuse company insurance, you will be covered. Please note that this is secondary coverage and does not include liability. **
- Shopping protection: The card comes with an extended warranty*, which is covered by the original manufacturer’s warranty of up to five years or less, and purchase protection*, covering items that were accidentally damaged or stolen if you pay within 90 days of the purchase date.
*Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. For more information, visit AmericaneXpress.com/benefitsguide. The policy is underwritten by AMEX Assurance Company.
**Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. Please visit AmericaneXpress.com/benefitsguide for more details. Undertaken by Amex Assurance Company. Provides car rental loss or loss coverage through American Express travel-related services.
Related: How to maximize statement points on Delta Amex card
Earn miles on Delta Gold Business Amex
This card earns:
- Make a qualifying purchase with Delta directly 2 miles per dollar
- Spend 2 miles per dollar on US shipping and advertising (maximum of $50,000 per calendar year; 1 mile thereafter)
- Dining 2 miles per dollar at global restaurants
- 1 mile per dollar for all other eligible purchases
These aren’t shocking revenue rates, but it’s nice to see some non-travel bonus categories to help business owners earn more money on buying more purchases than just traveling with Delta. That said, we usually recommend buying non-Delta on another card with transferable rewards.
Related: Best Business Credit Cards
Redemption of miles on Delta Gold Business
Delta or its Skyteam Alliance Partners reward flights are your best choice for redemption. Delta’s dynamic reward pricing makes it difficult to maximize Skymiles, but if you can spend time doing your own search and you can still find the value of the program when redeeming miles.
Delta often offers Flash sales and other transactions on its website and offers excellent redemption options for international and domestic itineraries.
You can also use Skymiles for seat upgrades. Just know that since the Delta doesn’t have a bonus chart, you won’t know how many miles these quality seats will cost until you’re ready to book.
Skymiles Upgrades After your flight uses the mileage upgrade reward, Skymiles upgrades are also valid when you book your flight. These three airlines are Delta partners.
You can also redeem Skymiles for gift cards, magazines, unique Skymiles experiences, online shopping and more, although these choices almost always yield returns than the best deals.
TPG Senior Editorial Director Nick Ewen used 15% of the takeoff to redeem his Skymiles for domestic trips. This effectively reduced the number of miles he needed to redeem the Delta flight.
Related: How to Redemption of Delta Skymiles for Maximum Value
Which cards compete with Delta Skymiles Gold Business Amex?
While the annual fee for Delta Business Gold Amex also has a reliable combination of privileges, you may need a card that offers more delta privileges or flexibility.
For other options, check out our full list of the best travel cards and the best American express cards.
Read more: Who is eligible for a commercial credit card?
Is Amex worth it in Delta gold business?
To make the annual fee value of Delta Gold Business Amex, you need to maximize your privileges, such as getting your first check bag for free and buying discounts for over $150 a year. Even if you only fly a few times a year, it’s not difficult.
Bottom line
If your business needs a credit card with basic delta privileges, such as free check bags and priority boarding, you need to choose Delta Skymiles Gold Business Amex to help travel easier and you don’t want to spend a lot of annual fees.
However, if you want to use a card to help you reach elite status, one of the other Delta Business Credit Cards will be a better choice.
Apply here: Delta Skymiles Gold Commercial American Express Card
For rates and fees for Delta Gold Business Amex, click here.
For rates and fees for Delta Reserve Business AMEX, click here.
