Delta Skymiles Gold Business AMEX Card Calculator

Card Details & Skymiles Calculator
2x Delta Airlines
2x Restaurant
2x U.S. Shipping
2x U.S. Advertising
1st Checked Bag Free
20% Off Delta In-Flight Purchases
Priority Boarding
Pay w/ Miles
$100 Delta Flight Credit w/ Spend

Review the benefits of the Delta Skymiles Gold Business AMEX (2020), calculate how many Skymiles you can earn, and compare results against top cards.

The Delta Skymiles Gold Business AMEX Card is the entry level business card for those looking to earn Skymiles across a few business bonus categories as well as earn some benefits when flying Delta. If you don't have Delta Medallion Status, this is also a great card to avoid baggage fees when flying Delta.

Bonus Categories

The Delta Skymiles Gold Business AMEX Card features four bonus categories which are Delta Airlines, restaurant, U.S. shipping, and U.S. advertisement purchases. There is no limit to the amount of bonus Delta Skymiles you can earn spending in these categories and no limit to the amount of miles you can earn with the card overall.

  • 2x Delta Purchases
    • Includes:
      • Purchases via, phone reservations and the ticket counter
      • 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
    • In-flight purchases of wireless internet access is not counted as a Delta purchase.
  • 2x U.S Shipping
    • Applies to purchases made directly with a courier, postal, or frieght company (e.g. FedEx, UPS, USPS)
  • 2x U.S. Advertising
    • Applies to purchases of online, television, and radio advertising from media providers located in the U.S. in order to promote a business.
    • Direct mail services including list or lead generation will not count.
  • 2x Restaurants (Worldwide)
  • 1x Non-Category

With most of these categories, you can earn a higher return using the 4x earnings of the AMEX Business Gold Card and transferring those earned points to your Delta SkyMiles account.

Perks & Benefits

The Delta SkyMiles Gold Card has a great amount of benefits that can benefit the primary cardholder.

Authorized users traveling without the primary cardholder will not receive any benefits outside of the ability to earn SkyMiles, 20% off in-flight purchases, and some of the standard AMEX Business Card benefits.

  • First Checked Bag Free
    • Applies to you and up to 8 other people traveling in the same reservation.
    • You do not have to use the card to get the free checked bag; card just has to be attached to your SkyMiles account.
    • Saves you minimally $25-$30 per one-way trip or $50-$60 roundtrip.
  • $100 Flight Credit
    • Annual credit offered after spending $10,000+ on the card.
    • Offered in the form of an eCredit that can be applied to Delta flight purchases made through or via Delta Resevations.
  • Priority Boarding
    • Offers Main Cabin 1 boarding for you and everyone traveling on the same reservation.
  • 20% Off In-Flight Purchases
    • Applies to Delta-operated flights.
    • Discount is issued in the form of a statement credit.
    • Qualifying purchases include pre-purchased meals and in-flight purchases of food, alcoholic beverages, and audio headsets.
  • Pay With Miles
    • Use Delta SkyMiles to lower the price of your airfare.
    • Redeem in 5,000-SkyMile increments which equals $50 off.
    • Gives your SkyMiles a value of 1 cent each.
  • AMEX Benefits
    • American Express Experiences
    • American Express Presale(s)
    • American Express Seating
    • AMEX Offers
  • AMEX Business Card Benefits
    • Account Manager
    • Vendor Pay by
    • American Express Business App
  • Protections and Insurance

Sign Up Bonus (SUB)

The standard Delta Skymiles Gold Business AMEX Card sign up bonus is 30,000 Skymiles after spending $1,000 on the card within the first 3 months of ownership and a $50 statement credit after you use the card to make a Delta purchase within the first 3 months. The 30,000-point part of the sign up bonus is worth around $360 if you value Skymiles at 1.2 cents each. The $50 statement credit is also a welcomed addition to the miles.

Promotional sign up bonuses for the Delta Skymiles Gold Business AMEX Card can be as high as 50,000 Skymiles. If you pull up this card and see that offer, I recommend going for it if you're looking to earn some easy Skymiles.


Annual Fee

The annual fee for the Delta Skymiles Gold Business AMEX Card is $99. Picking up this card to avoid the baggage fee alone should easily make up for the annual fee as you'll come out ahead with as little as two roundtrips (and that's if you're traveling by yourself). Other benefits offered on the card such as AMEX Offers, car rental insurance, and the in-flight discount can also make the card easily worth the small fee as well.

Authorized User Fee

It will cost you $0 to add employee cards (authorized users) to the Delta Skymiles Gold Business AMEX Card. If you have others that plan on spending across the several categories on this card, I highly recommend adding them as additional users. This will help you build your miles faster and also push you towards the $100 Delta Flight Credit which requires $10,000 in spend during the calendar year.

Foreign Transaction Fee

The Delta Skymiles Gold Business AMEX Card has a 0% foreign transaction fee which means you'll be able to use this card to earn Skymiles spending internationally without being penalized. While the business categories of this card are tied to U.S. purchases, you can still get a decent amount of Skymiles using the 2x restaurant category.

If you're really looking to earn Delta Skymiles internationally, you'll want to consider using Membership Rewards credit cards since you can transfer Membership Rewards Points to your Delta Skymiles account at a 1:1 ratio.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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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.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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 this 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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