Miles · American Express · $150 annual fee
Last verified 2026-09-09. Review issuer source
American Express Delta SkyMiles Gold Business is a $150-a-year miles card from American Express. Its best everyday rates are 2x on advertisements, and 2x on shipping; everything else earns 1x. There is also 2x on Delta Airlines, a single-merchant rate. Advertisements is capped at $50,000 a year, then drops to the base rate. Rewards are Delta SkyMiles miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year it earns $304, which clears the $150 fee with $154 to spare before any credits or perks. The welcome bonus, 60,000 miles after $4,000 in 6 months, is the strongest reason to open it in a given year. The annual fee is waived the first year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Cap: $50,000 per annual
2 miles on every eligible dollar spent on purchases at U.S. providers for Advertising in select media on up to $50,000 of purchases per calendar year., then 1 mile per dollar
2 miles on every eligible dollar spent on purchases made directly with Delta
Cap: $50,000 per annual
2 miles on every eligible dollar spent on purchases at U.S. Shipping providers on up to $50,000 of purchases per calendar year., then 1x miles., then 1 mile per dollar
Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership
After your first Card renewal, enroll and earn up to $10 in statement credits each month when using your Delta SkyMiles® Gold Business American Express Card on U.S. rideshare purchases with select providers.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Get a head-start on your next trip, compliments of your Card. Earn a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
On your next Delta flight, enjoy 20% savings in the form of a statement credit on select in-flight purchases when you use your Card.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Your first checked bag flies free on international and domestic Delta flights. And now, your second bag flies free on domestic Delta flights too.
When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Lose your wallet? Need a referral for a doctor? Global Assist Hotline is there to help with coordination and assistance services when you are traveling 100 or more miles from home. We can also help you with visa and customs information, and more. Card Members are responsible for the costs charged by third-party service providers.
When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Take 15% off when booking Award Travel with miles.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Delta SkyMiles® Gold BusinessThis card · 2x on advertisements | $150 | $304 | +$154 | 734th of 752 |
| Business GoldAmerican Express's most-held other card · 4x on advertisements | $375 | $1,848 | +$1,473 | 7th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
