Delta SkyMiles® Gold Business American Express Card
Low-fee Delta cobrand for occasional business flyers — 2X Delta / dining / capped U.S. shipping & advertising, free bags, no FTF, $0 year-1 annual fee then $150
Costs & Pricing
Annual fee (primary): $0 intro year 1, then $150 (first year of Card Membership only)
Employee card fee: $0 (CMA: Annual Fee for Additional Cards: None)
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.
Intro APR (purchases): Not offered
Intro APR (balance transfers): Not offered (no BT intro in the rates table; do not assume a published BT product)
Foreign transaction fee: $0
Cash advance APR: 28.74% variable (Prime + 21.99%) from the transaction date. Fee greater of $5 or 3% of each cash advance (ATM operator fees extra; fee added to CA balance).
Late payment fee: Up to $39 (will not exceed Minimum Payment Due)
Penalty APR: 29.99% variable (Prime + 25.99%); variable APRs will not exceed 29.99%. Triggers: returned payment; 2 late payments in 12 billing periods; or Minimum Payment Due unpaid by that period’s Closing Date. At least 12 consecutive billing periods, then until 12 consecutive timely periods with no returned payments.
Other fees: No overlimit fee. Returned-check $38 if cashing a check at an approved location and it is returned. Account re-open $25. Rush/paper-statement/minimum-interest charges not listed in the extracted Schumer box. American Express Small Business Cards are not eligible for Plan It at Delta checkout. Whether a separate Amex Pay Over Time limit exists on this SKU is not disclosed on the public product page.
Rewards & Value
Bonus Categories & Promotions
- ★ 2X purchases made directly with Delta (Delta-operated air, DL-numbered partner flights, Delta Vacations, other Delta services). Third-party OTAs generally do not code as Delta.
- ★ 2X restaurants worldwide, including U.S. takeout and delivery. Exclusions: restaurant inside another establishment; third-party delivery outside the U.S.; bars/nightclubs/cafeterias/caterers often fail restaurant MCC.
- ★ 2X U.S. shipping providers on up to $50,000 eligible purchases per calendar year, then 1X. Courier, postal, and freight shippers located in the U.S. (FedEx, UPS, USPS). Does not include shipping add-on at retailers, moving, local trucking, trash removal.
- ★ 2X U.S. providers for advertising in select media on up to $50,000 eligible purchases per calendar year, then 1X. Online, television, and radio advertising purchased in the U.S. directly from media providers (Amex examples: Facebook, Yahoo, NBC, CBS Radio). Does not include direct mail or list/lead generation. Agencies vs Meta/Google: only if the merchant codes as a U.S. media provider — MCC-dependent.
Partner Credits & Perks
- ✓ $200 Delta Flight Credit (eCredit) after $10,000 eligible purchases on the account in a calendar year (Basic + Additional/Employee). Issued as eCredit in 6–8 weeks (product page). Use on Delta-marketed flights on delta.com or Delta Reservations.
- ✓ Up to $150 Delta Stays statement credit — prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays and paid with a card on the account. Per calendar year.
- ✓ Up to $10/month rideshare credit ($120/yr) after first Card renewal; enrollment required; U.S. rideshare with select providers on the enrolled Gold Business Card.
- ✓ 20% statement credit on eligible Delta in-flight food/bev (Wi-Fi often excluded in reviews — confirm live terms)
- ✓ TakeOff 15 on Delta-operated awards; Zone 5 priority boarding
- ✓ 1st checked bag free worldwide on Delta flights; 2nd bag free on domestic Delta flights (2026 add). Companions on the same PNR commonly included for 1st bag (up to 8 on many marketing pages).
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.
Credit, Limits & Spending
Credit limit: Preset credit limit (revolving card). Not NPSL. Typical ranges not published. Amex CLI / spending-capacity reviews — no public formula.
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.
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.
Recommended credit: Good–Excellent / commonly ~670+ FICO (review-site guidance only; not an issuer-published cutoff)
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.
Virtual cards: Not a marketed feature of this cobrand. Amex virtual card numbers may exist at issuer level — not a product differentiator here.
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.
Network: American Express
Benefits, Protections & Tools
Travel
- ✓ 1st checked bag free worldwide on Delta flights; 2nd bag free on domestic Delta flights; Zone 5 priority boarding
- ✓ TakeOff 15 and Pay with Miles
- ✓ $200 Delta flight eCredit after $10k calendar-year spend; $150 Delta Stays credit via delta.com/stays only
- ✓ Baggage Insurance Plan — up to $1,250 carry-on / $500 checked, excess over carrier coverage; NY aggregate $10,000 per covered trip. Entire fare on eligible card.
- ✓ Auto rental LDW — secondary, not liability coverage; not available for rentals in Australia, Italy, New Zealand; decline CDW; entire rental on card
- ✓ Global Assist® Hotline when >100 miles from home (coordination only; Card Member pays third-party costs)
- ✓ No lounge access. No TSA PreCheck / Global Entry / NEXUS credit. No companion certificate or MQD boost.
- ✓ Trip delay / cancel / interrupt: not listed on the official Gold Business product insurance module. Third-party writeups claim trip delay — treat as Unclear. Do not publish caps from sibling cards.
Purchase Protections
- ✓ Purchase Protection — 90 days, $1,000 per purchase / $50,000 per account per calendar year
- ✓ Extended Warranty — up to 1 extra year on U.S. covered purchases with original warranty ≤5 years
- ✓ Return protection: not listed
- ✓ Cell-phone protection: not listed on the Gold Business product page (it is listed on Reserve Business) — treat as not offered unless a logged-in benefits guide contradicts
Business Tools
- ✓ Employee cards + limits + alerts; receipt matching + QuickBooks connect; Year-End Summary; CSV/Excel; online statements
- ✓ Vendor Pay by BILL is an optional paid add-on (BILL fees, not card fees: Basic $0 first user; second user $0 for 6 months then $15/mo; Advanced $59/user; Advanced Plus $99/user)
- ✓ Native NetSuite / Sage / Expensify / ERP not disclosed as native for this cobrand
Eligibility & Application
Who can apply: U.S. small-business flow. Typical Amex SBS: sole prop, LLC, corp, partnership, DBA — exact entity list not printed on the Gold Business marketing page. Sole props commonly SSN-only; EIN path available. Confirm in app.
Business requirements: No public time-in-business or revenue minimum. U.S. person / ITIN / non-resident beyond the U.S. product site not disclosed.
Issuer rules: Amex same-card bonus restriction (commonly reported + usually in offer terms). No Chase 5/24 official rule. Amex “too many cards” / pop-up jail is commonly reported, not official. Product-change to Platinum/Reserve Business exists in the family; welcome bonus on a product change is typically not paid.
Application impact: Business credit may be pulled on submit; personal score impacted if approved and accepted.
Best for: Delta cobrand Free checked bags No foreign transaction fee Free employee cards Advertising / shipping earn Specialized second card
Pros & Cons
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)
Buy (Delta bags + dining/ads)
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.