Review of Gold Delta SkyMiles Business Card


Building your business credit isn’t just about applying for any credit card. With a wide variety of rates and rewards available, finding the right card to grow your business depends on what card benefits are going to make the most difference for your company. For businesses with a need for exceptional travel rewards, here’s the scoop on the Gold Delta SkyMiles Business Card.

Pros and Cons

Weighing the benefits of any credit card against the overall costs is essential to find the card that will really work for your company. Here are a few of the advantages and disadvantages of incorporating the Gold Delta SkyMiles Business Card into your business operations.

Exclusive Discounts – Access Card Member discounts and presale entertainment tickets for sports and concertsLimited Use – As with all Amex cards, you always run the risk of vendors not accepting this form of payment
ShopRunner – Free, unlimited 2-day shipping from a variety of vendors at no additional cost ($79 annual value)Complex Award Flights – Finding the best deal on award flights miles can be a complicated process

Mobile App 

Unfortunately for Gold Delta SkyMiles Business Cardholders, there does not appear to be a mobile app to access your credit card information at this time. However, the Delta travel app will let you book, cancel, and otherwise manage your trips with Delta while keeping track of your SkyMiles points. The travel app is rated 4.8 out of 5 stars (3.4M) for Apple users, and 3.7 out of 5 stars (30.1k) for Android.

Credit Card Reviews

Overall, this small business credit card is pretty well rated, with a range of 3.6 to 4 out of 5 stars on popular review sites. The miles rewards system and travel perks are a hugely positive factor, while common complaints include not being able to use points for other airlines or for other rewards purposes.

Best For…

As a travel rewards card exclusively sponsored by Delta Air Lines, this card is obviously best suited for companies with extensive travel needs who might benefit from exclusive offers and travel perks. For companies who don’t fly as often or who aren’t willing to be brand-loyal to Delta, you might want to consider other alternatives for your small business credit card.


The variable APR of this small business card runs between 17.74% and 26.74% depending on your credit history and market rates. Late or delinquent payments can push that rate up to 29.99% for at least 12 billing periods.

Annual & Monthly Fees

Membership with the Gold Delta SkyMiles Business Card comes with an annual fee of $99.00, which can be a steep cost for small businesses with limited cash flow. As a Delta rewards card, however, this is the lowest annual fee, as the Platinum and Delta Reserve for Business cards range from $195 to $450 per year. Late fees and returned payments hit your card with a $39 fee.

Recommended FICO

The recommended credit score range is between 690 and 850, for businesses with good to excellent credit. Companies with little to no credit history and business owners with poor personal credit history might have difficulty qualifying for this card.

Unique Feature: Travel Perks

Of course, as a credit card directly correlated with the Delta airline, some of the most unique features of this rewards card are the perks of traveling on Delta flights. Here are just a few of those airline-specific perks.*

  • Main Cabin 1 Priority Boarding when flying with Delta.
  • Delta elite status reached with $25,000 in annual eligible purchases
  • Free checked bag each for a cardholder and up to 8 guests on a single Delta reservation
  • Exclusive Delta Sky Club visit rate of $29 per person for Delta passengers and up to 2 guests while traveling on a Delta flight.
  • In-flight savings of up to 20% on eligible purchases made with your Delta rewards card.
  • Global Assist Hotline helps you coordinate assistance services in a crisis when traveling, including passport replacement, missing luggage, translation services and more.

*Please see fine print for details and exclusions.


Overall, this small business credit card is definitely geared towards companies with a vested interested in travel rewards with Delta airlines. If your company isn’t constantly booking flights with Delta, these rewards will only go so far. For more options, you can read more reviews of small business credit cards at


Originally written in 2018. Most recently updated in March 2021.


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