Delta SkyMiles® Gold Business American Express Card
$150 annual fee · $470/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| 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 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.
Statement credits — $470/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Delta Flight Credit | $200/year | annual |
| 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.
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?
The printed statement credits ($470/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.
Comparing cards in the same currency? See the best cards that earn Delta SkyMiles →
More from American Express
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 2026-08-21 against issuer terms · sources: www.americanexpress.com · www.nerdwallet.com. Spot an error? Tell us.