Delta Skymiles Gold Business Card Value Calculator

AMEX Delta Business Gold Card

2x Delta Purchases
20% Off Delta In-Flight Purchases
Priority Boarding
MQD Waiver w/ Spend
1st Checked Bag Free
Incoming changes to the Delta Skymiles credit cards February 2020. See Details.

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The Delta Gold Business Card is co-branded airline card offered by American Express that earns Delta Skymiles. It offers the same great benefits of the personal Delta Gold Card such as a free checked bag, the ability to use Pay with Miles option, and the ability to waive the MQD requirement for Delta Medallion Status. While their are better cards for earning Skymiles, there's still a lot of value to be had with the Business Gold Card.

Delta Skymiles Value

Delta Skymiles are valued at about 1.2 cents each when used to book flights with Delta Airlines, but can be worth a lot more or less depending on the date and destination. They have the best value when it comes to either international travel, long distance travel (i.e. New York to California), and when Delta has their Flash Sales every so often. Skymiles can be earned in several ways outside of flying and using credit cards by booking travel with partners, eating out, and transferring rewards earned in hotel loyalty and bank reward programs directly to your Skymiles account.

Bonus Categories

The Delta Gold Business Card's only bonus category is for Delta purchases. There is no limit to the amount of Skymiles you can earn using this business card. Below are the details on the earning structure.

2x Delta Purchases

The Delta Gold Business Card earns 2 Skymiles per $1 spent on all Delta purchases. American Express counts eligible Delta purchases as purchases where Delta is the merchant of record, such as purchases via, phone reservations, or ticket counters, upgrades, miles, seat selection, Delta Sky Club® membership or passes, pre-purchased meals, in-flight purchases of food, alcoholic beverages and audio headsets on Delta-operated flights. Do note that in-flight wireless internet access is not counted as a Delta purchases.

Since all Delta Cards earn 2x Skymiles this is nothing special. A higher rate of return could be earned with Membership Reward Point earning cards (up to a 5% return) or cards that excel in airfare and/or travel purchases like the Chase Sapphire Reserve (4.5% return). I recommend finding other reward cards to put this spend on since the perks the Delta Gold Business Card offer doesn't require you to use it to pay for the airfare.


Any spending on the Delta Gold Business Card outside of Delta Purchases will earn 1 Skymiles per $1 spent. This is a low return that would also be better placed on other reward cards. Membership Reward Points would be a good option. I find it best to find cards for the categories you spend the most in since they will get you more than a 1.2% return.

Perks and Benefits

20% Off In-Flight Purchases

The Delta Skymiles Gold Business Card offers 20% Off In-Flight Purchases. This discount is applied to your statement as a credit. It applies to eligible pre-purchased meals, in-flight purchases of food, alcoholic beverages, and audio headsets on Delta-operated flights. In-flight internet purchases are not included. Several other airline cards offer savings when it comes to in-flight purchases including the JetBlue Card (50% off), all 7 America Airline Credit Cards (25% off), and the United Airlines Explorer Card (25% off).

First Checked Bag Free

Delta Skymiles Gold Business cardholders will have their first checked bag fee waived. This applies to everyone in the same reservation (max of nine waivers) as the primary cardholder. The Delta Free Checked Bag perk will automatically kick in as long as the Skymiles Gold Business Card is tied to the primary users Delta Skymiles account. You do not have to use the card to purchase the airfare. This allows you to use cards that may earn a better return for you such as the Chase Sapphire Reserve (4.5% return) or AMEX Business Platinum Card (Up to 3% return). With the exception of the Delta Skymiles Blue Card, all of the personal and business Delta Skymile credit cards offer this perk. The United Airlines Business Explorer Card, Hawaiian Airlines Business Mastercard, and CitiBusiness AAdvantage Platinum Select Card are some additional airline credit cards that waives the first checked bag fee.

Medallion Qualification Dollar (MQD) Waiver

Running $25,000 in spend, within the calendar year, across the Delta Business Gold Card will waive the Medallion Qualification Dollar (MQD) requirement for Platinum, Gold, and Silver Medallion status. Status within Delta's program requires a mixture of flying and money spend on Delta airfare. For spending requirements, Silver requires $3,000 MQDs, Gold requires $6,000 MQDs, and Platinum requires $12,000 MQDs. To waive the MQD requirements for Delta Diamond Medallion status, a spend of $250,000 will have to be achieved within the calendar year on the Delta Business Gold Card. With the exception of the Delta Blue Card, this perk is offered on all personal and business Delta credit cards.

Priority Boarding

The Delta Skymiles Business Gold card provides zone 1 priority boarding. This allows you to board the plane before Zone 2 and onward. Besides getting in your seat faster, this perk gives you a significantly better chance at obtaining overhead bin space that would normally be full by the time the later Zones are called. With the exception of the Delta Blue Card, all of the personal and business Delta Credit Cards get priority zone 1 boarding. United Airlines offers the same perk on their United Explorer Business Card.

Pay With Miles

All Delta Skymiles credit card holders will be allowed to cover some or all of there flight with the Pay With Miles option when purchasing Delta Airline tickets. Miles must be redeemed in 5,000 mile increments with a minimum of 5,000 miles. When redeemed this way, 5,000 Skymiles are worth $50 off ticket purchased on the Delta site. This is a value of 1 cent per point.

Standard AMEX Benefits

The Delta Skymiles Gold Card comes with the standard AMEX benefits and perks such as, but not limited to, AMEX Offers, return protection, roadside assistance, ShopRunner membership, purchase protection, and extended warranty.

Sign Up Bonus

The standard AMEX Delta Gold Business Card sign up bonus is 30,000 Skymiles. AMEX offers promos during the year that are as high as 60,000 Skymiles. Delta does not post an award chart, but 30k Skymiles can usually get you a one-way flight or a little more during their flash and weekend sales which sometimes start as low as 10,000 Skymiles. As far as cash, 30,000 Skymiles are typically worth about $360. You can pull up the "Book A Trip" option, set it to miles, and test a few destinations to get a feel for how far 30,000 Skymiles can get you. You can also jump to the Delta Skymile Cash Value Calculator to see the value of your miles for all the redemption options.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Delta Skymiles Gold Business Card is $0 the first year, then $95. This provides a great opportunity to see if the card is good for business spend. If you use the checked bag perk, that can also justify paying this fee after just 2 round-trips (checked bags are $25 each way).

Authorized User Fee

There is no authorized user fee to add additional users to the Delta Skymiles Gold Business Card. If you're looking for rewards, this card isn't the best when it comes to perks for authorized users. If you're looking to hit the MQD Waiver, adding employees would be the easiest way to do this while earning a few additional Skymiles in the process.

Foreign Transaction Fee

There is no foreign transaction fee for the Delta Skymiles Gold Business Card which means you will not be penalized when using this card outside of the United States. This card does not have any good 'out of country' bonus categories so you will only be earning 1x Skymiles per $1 spent which isn't a lot. This spend would be better off on a higher earning card depending on what categories you normally spend in when traveling.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2018-06-24

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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