When choosing a credit card for your business, finding one that combines valuable rewards with practical benefits can make all the difference. The Delta SkyMiles® Gold Business Card is designed for business owners who frequently travel, offering robust travel perks, loyalty rewards, and features to streamline expenses. With this card, frequent flyers can maximize their spending power and enjoy premium travel experiences.
In this guide, we’ll break down everything you need to know about the Delta SkyMiles® Gold Business Card. From its fee structure and credit limit determination to its standout advantages and application process, you’ll get an in-depth understanding of what makes this card a compelling option for business professionals.
Key information about the credit card
How does the annual fee work?
The Delta SkyMiles® Gold Business Card offers a straightforward annual fee structure designed to cater to both new and seasoned cardholders. For the first year, you can take advantage of a $0 introductory fee, making it an ideal choice to test out its features without any upfront cost. Starting in the second year, the annual fee transitions to $150.
While this fee might seem significant at first glance, it’s worth noting the variety of features it supports. For instance, frequent Delta travelers can easily recoup this cost through the card’s travel rewards, such as the $200 Delta flight credit and free checked bags. Unfortunately, the fee isn’t waived or reduced based on spending, but the benefits it offers justify the investment for regular flyers.
How is the credit limit determined?
For the Delta SkyMiles® Gold Business Card, the credit limit is determined based on several factors specific to each applicant. American Express evaluates the applicant’s business and personal credit history, income, and overall financial profile. Businesses with higher revenue and good credit scores are likely to receive higher limits, enabling them to manage larger expenses effectively.
If you’re a small business owner or entrepreneur with a shorter credit history, the initial limit might be lower. However, consistent card usage, timely payments, and responsible financial management can lead to periodic reviews and potential increases in the credit limit over time. This flexibility allows the card to grow alongside your business.
Advantages of the credit card
- Bonus miles for new members: Earn 60,000 bonus miles after spending $4,000 in purchases within the first six months of card membership. These miles can be redeemed for flights and other travel perks.
- Increased mile earnings on purchases: Earn 2X miles on eligible purchases made directly with Delta, shipping providers, and select advertising platforms in the U.S., and 1X mile on all other purchases.
- $200 Delta flight credit: Receive a $200 flight credit toward future Delta travel after spending $10,000 on the card annually.
- Priority boarding: Enjoy Zone 5 priority boarding, ensuring a smoother and more comfortable boarding experience.
- First checked bag free: Save up to $70 per round trip with this benefit, which applies to you and up to eight travel companions on the same reservation.
- Travel convenience perks: Access 20% savings on in-flight purchases and enjoy no foreign transaction fees, making it ideal for international business trips.
Standout advantage
The standout feature of the Delta SkyMiles® Gold Business Card is its ability to reward frequent Delta travelers. One notable perk is the TakeOff 15 benefit, which offers a 15% discount on award travel bookings made with miles through Delta. This unique feature enables cardholders to stretch their miles further, providing significant value for those who prioritize cost-efficient travel while maintaining flexibility in booking flights.
Disadvantages
- Annual fee after the first year: At $150 per year, the fee might deter those who do not frequently travel or use Delta services.
- Limited earning categories: While the card offers high rewards on Delta and select business purchases, other spending categories earn only 1X miles.
- No lounge access: Unlike some premium travel cards, this card does not include Delta Sky Club access, which might be a drawback for frequent flyers who value exclusive amenities.
A standout disadvantage
One key limitation of the Delta SkyMiles® Gold Business Card is its lack of premium travel perks such as airport lounge access. While the card offers excellent rewards and travel benefits, it doesn’t provide entry to Delta Sky Clubs, a feature included with higher-tier Delta cards. For business travelers who spend considerable time in airports, this omission could reduce the overall appeal of the card, especially when compared to premium alternatives.
Who can apply for this card?
The Delta SkyMiles® Gold Business Card is designed for U.S.-based small business owners who meet specific eligibility criteria. Applicants must be at least 18 years old, possess a valid Social Security Number or Tax ID, and have a verifiable source of income. While there’s no minimum stated income requirement, having a stable financial profile and a good to excellent credit score significantly increases approval chances.
The card is not specifically designed for individuals with poor credit or those who are credit-impaired. Applicants must also provide business-related information, such as the type of business, its annual revenue, and the number of years in operation. Approval for this card is straightforward for those with an established business and a healthy credit history.
How to apply for the Delta SkyMiles® Gold Business Card
For the website
To apply online, visit the official American Express website and navigate to the Delta SkyMiles® Gold Business Card page. Click the “Apply Now” button and complete the application form, which includes sections for personal, business, and financial information. Ensure you have details like your Social Security Number, business revenue, and expenses ready. After submitting the application, you’ll typically receive a decision within minutes.
Through the app
For those who prefer mobile convenience, you can download the American Express app from your device’s app store. Log in or create an account to access the application form. The app allows you to upload any necessary documents directly and track the status of your application in real time. It’s a streamlined option for busy professionals on the go.
At the branch
If you prefer face-to-face interaction, you can apply for the card in person at a participating American Express branch or partner location. Bring all required documentation, including proof of identity and income, to complete your application with the help of a representative. This method allows you to ask questions and receive personalized assistance during the process.
