Delta SkyMiles® Gold Business American Express Card
$150 annual fee · $270/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Shipping | 2x | on the first $50,000/year |
| Advertising | 2x | on the first $50,000/year |
| Dining | 2x | uncapped |
| Everything else | 1x | uncapped |
| Flights at Delta only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
2x | uncapped |
See how it ranks: best shipping cards · best advertising cards · best dining cards.
Signup bonus: 90,000 points after $6,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Was 60,000 before this limited-time offer. $0 intro annual fee for the first year, then $150. Limited-time offer; ends 2026-11-04.
Statement credits — $270/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Rideshare Credit | $120/year | monthly · enrollment required |
| Delta Stays Credit | $150/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Spend-gated credits
- Delta Flight Credit
These require qualifying spend or status, so we exclude them from every total.
Non-cash perks
- First checked bag free (Basic Card Member + up to 8 companions on same reservation) on Delta flights worldwide, second bag free on domestic Delta flights
- Zone 5 Priority Boarding
- TakeOff 15: 15% off Award Travel booked with miles
- Pay with Miles
- 20% back as a statement credit on eligible Delta in-flight purchases
- No Foreign Transaction Fees
- Global Assist Hotline
- Purchase Protection and Extended Warranty
Does the fee earn out? · how we got this
The printed statement credits ($270/yr) cover the $150 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $150 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- A heavy shipping spender. The 2x on shipping stops after $50,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first $50,000 only.
Comparing cards in the same currency? See the best cards that earn Delta SkyMiles →
More from American Express
- Delta SkyMiles® Platinum American Express Card $350/yr
- Delta SkyMiles® Platinum Business American Express Card $350/yr
- Delta SkyMiles® Reserve American Express Card $650/yr
- Delta SkyMiles® Reserve Business American Express Card $650/yr
- Graphite Business Cash Unlimited Card from American Express $295/yr
- Hilton Honors American Express Aspire Card $550/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.americanexpress.com · www.nerdwallet.com · www.americanexpress.com. Spot an error? Tell us.