Costs & Pricing

Metric	Delta SkyMiles® Gold Business American Express Card	Engine X
Annual fee	$0 intro year 1, then $150 (first year of Card Membership only)	$0
Employee card fee	$0 (CMA: Annual Fee for Additional Cards: None)	$0; unlimited physical and virtual cards
Purchase APR	19.49%–28.49% variable (Prime + 12.74% to Prime + 21.74%); placement by creditworthiness at account opening. APRs accurate as of 09/02/2026. No 0% intro.	N/A — charge card. No purchase interest if paid by due date. No published purchase APR range. Marketing “0%” means no annual fee plus charge-card float until the due date, not an intro APR.
Intro APR (purchases)	Not offered	Not offered (not a revolving product)
Foreign transaction fee	$0	$0 (International Transaction Fee: $0 / None). Ordinary Visa FX conversion still applies (rate not separately itemized).
Late payment fee	Up to $39 (will not exceed Minimum Payment Due)	$40 per late payment

Rewards & Value

Metric	Delta SkyMiles® Gold Business American Express Card	Engine X
Base earn rate	1 SkyMile per $1 eligible purchases	1.5% back in Engine points on Qualifying Card Purchases (everyday / off-Engine spend, including flights even if booked on Engine)
Welcome bonus	Conflict across official pages. Delta business-cards page: limited-time 90,000 bonus miles after $6,000 eligible purchases in the first 6 months — offer ends November 4, 2026. Amex product page (same period): evergreen-style 60,000 after $4,000 in the first 6 months with no end date. Treat 90k/$6k through 11/4/2026 as the live limited-time public offer; 60k/$4k as the fallback. Apply-flow T&Cs win.	20,000 Engine points after the company activates an Engine X card and completes $2,000 in Qualifying Off-Platform Purchases within 30 days of first Card activation. Off-platform = card spend not booked through Engine.com. Engine travel bookings do not count. Employee/additional-card off-platform spend does count (company-level). First-time Engine X customer; one bonus per company. Offer ends 11:59 p.m. ET, 31 December 2026 (incentive terms updated 1 Jun 2026).
Redemption value	Pay with Miles = 1.0¢ ($50 off per 5,000 miles on delta.com). Award travel is dynamic; TakeOff 15 improves award pricing ~15% on Delta-operated flights only (not partner-operated, not taxes/fees). Do not assume transfer-partner value — this card does not transfer.	Official cents-per-point not disclosed. Points have no cash value and are redeemable only through the program. Checkout shows a point-to-dollar value before confirm. Secondary (TPG, 20 Aug 2026): statement credit described at ~50% of booking value — unofficial; do not hard-code 1¢ or 0.5¢ as issuer fact. Disclose user-selectable factor: 1.0× if redeemed for Engine bookings; 0.5× if using TPG’s statement-credit haircut.
Transfer partners	None. Currency is Delta SkyMiles, not Membership Rewards. No transfer-out to other airlines. Miles do not expire under Delta’s published policy; Delta may still deactivate an account and remove miles.	Not offered (no Chase/Amex/airline transfers)

Credit & Eligibility

Metric	Delta SkyMiles® Gold Business American Express Card	Engine X
Personal guarantee	Required in substance. CMA: Basic Card Member and Company remain jointly and severally liable for all charges. Quote the live application before publishing a legal excerpt.	Official apply page: “We also do not require personal guarantees.” Program terms: company is the liable party. Owner KYC still collected. Confirm no hidden guaranty in the Issuing Bank Terms accepted at offer.
Credit check	Know if you're approved with no impact on your personal credit score until acceptance. Business credit may be impacted on submit. Accepting the card may impact personal credit. Treated as a hard pull on accept in industry practice; Amex does not print “hard pull” on the marketing page.	Official: no hard pull, will not impact personal credit score. Soft-pull vs none-at-all on a bureau file is not separately named. Last-4 SSN is for identity verification (CIP), not described as a full credit pull.
Employee cards	$0 additional-card fee. Spend controls / alerts marketed; Account Manager role can add cards, pay, review transactions. Hard cap on number not disclosed on this product page — do not invent 99 unless the application states it.	Unlimited physical + instant virtual, including 1099 / temporary workers. Spend controls by employee, project, expense type, category, merchant, transaction. Physical cards ~8 business days. Company remains liable.
Product type	Revolving small-business credit card (published purchase APR, ADB interest, minimum-payment rule). Not a charge card. Not a corporate / net-terms spend platform.	Business charge card + spend-management card (pay-in-full each cycle; assigned line of credit; no revolving APR). Not a consumer credit card. Sibling: Direct Bill (credit line limited to Engine hotel/flight/car bookings — not this card).

Pros & Cons

Delta SkyMiles® Gold Business American Express Card

Pros

• $0 year-1 fee then $150 — lowest annual fee in the Delta business lineup
• 1st checked bag free worldwide + 2nd bag free domestic (2026 add) can offset the AF in a few team trips
• 2X on uncapped restaurants plus capped U.S. shipping and U.S. digital/TV/radio ads
• $0 foreign-transaction fee and $0 employee cards (employee spend feeds the $10k flight-credit threshold)
• TakeOff 15 reduces Delta-metal award cost 15%

Cons

• Ongoing $150 AF with credits that are conditional, portal-locked, or enrollment-gated after renewal
• Miles are Delta-only — no Membership Rewards transfers
• No lounge, no GE/PreCheck credit, thinner insurance than Platinum/Reserve Business
• No 0% intro APR; carrying a balance is expensive (19.49%–28.49% as of 09/02/2026)
• Personal guarantee / joint and several liability; advertising 2X is MCC-narrow (media providers, not any marketing vendor)

Engine X

Pros

• $0 annual fee and $0 employee/virtual-card fees
• 6% (scaling to 10%) Engine points on Engine hotel and rental-car bookings — unusual on-platform travel earn at $0 fee
• No personal guarantee and no hard personal credit pull (official apply language)
• Charge card + Autopay + spend controls + unlimited cards for employees and 1099s; travel booking, policy, and folios in one dashboard
• $0 foreign-transaction fee in the fee table

Cons

• Elevated earn does not apply to flights or off-Engine hotels; marketing “up to 10% on travel” is broader than the legal category
• Pay-in-full charge card; $40 late / $40 returned-payment fees; no revolver
• Points have no cash value; official ¢/point not published; statement-credit value may haircut vs booking (secondary)
• Sole proprietors ineligible; U.S. entity + EIN required
• No published lounge, TSA/Global Entry, or card-insurance benefits guide; product is new (Mar 2026) so limit ranges and servicing quality are thinly documented

Verdict

Delta SkyMiles® Gold Business American Express Card

This is the low-fee Delta business cobrand — not personal Delta Gold (supermarkets 2X), not Platinum/Reserve Business, and not Amex Business Gold (MR). Confirm the live apply-flow welcome (90k/$6k through 11/4/2026 on Delta vs 60k/$4k still on Amex’s product URL). Skip it if you will not fly Delta, want transferable points, need 0% float, or refuse a PG.

Engine X

Engine X is a TMC + charge card, not Direct Bill and not Ramp/Brex. Most SMBs stay Silver (6% / 1.5%). Skip it if travel will not move onto Engine, if you need revolving credit or transferable miles, or if you are a sole prop. Confirm the live 20,000-point offer (through 31 Dec 2026) requires $2,000 off-Engine spend within 30 days of first card activation.