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 delta.com, 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 delta.com 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 Bill.com
    • 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

Fees

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.

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