Last Updated: 10/08/2025
Delta SkyMiles® Gold Business American Express Card
Claimed
Last Updated: 10/08/2025
Not enough votes for recommendation
Rating not yet determined3 total votes
Explore a similar product
Try this top product in Business Credit Cards
Ink Business Preferred® Credit Card
Strongly recommended10 reviews
Community Recommended Products
View AllStrongly recommended10 Reviews
Learn More
Strongly recommended8 Reviews
Learn More
Strongly recommended9 Reviews
Learn MoreCompare All Business Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
19.99% - 28.99%(Verified 09/19/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 01/02/2025)
Annual Fee
$0 - $150
Disclaimer popup with additional information
Credit Score Range
N/A
Delta SkyMiles® Gold Business American Express Card Review
All information about this card has been collected independently by SuperMoney.
This is a rewards card issued by American Express® National Bank. If you're wondering whether Delta SkyMiles® Gold Business American Express Card is the right card for you, read on.
Key Takeaways
- Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $150 for the privilege.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Delta SkyMiles® Gold Business American Express Card
| The Good | The Bad |
|
|
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 19.99% up to 28.99% .
It also has a variable cash advance APR of 29.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
This business card does not offer an introductory rate on new purchases.| Purchase APR | 19.99% - 28.99% |
| Cash Advance APR | 29.24% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of up to $39.
| Fees | Amount |
| Annual Fee | $0 |
| Balance Transfer Fee | 0% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
Yes, Delta SkyMiles® Gold Business American Express Card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 90,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
- Restaurants
- Shipping
Does it have a sign up bonus?
Yes. Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25..
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
Delta SkyMiles® Gold Business American Express Card Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. All information about Delta SkyMiles® Gold Business American Express Card has been collected independently by SuperMoney. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. 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 to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. 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 (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
Other Services by American Express® National Bank
Business Checking Accounts
Be the first to rate
CD Accounts
Be the first to rate
Checking Accounts
Be the first to rate
Savings Accounts
5
1
3
9 Reviews
Business Lines of Credit
Be the first to rate
Business Loans
1
5
6 Reviews
Merchant Cash Advance
Rating not yet determined (3 Reviews)
Personal Loans
7
2
2
11 Reviews
Credit Monitoring Services
2
1
4
7 Reviews
Other Business Credit Cards from American Express® National Bank
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$895
Credit Score Range
N/A
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$375
Credit Score Range
N/A
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$250
Credit Score Range
N/A
Rating not yet determined
Purchase APR
15.74% - 24.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
N/A
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
N/A
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
N/A
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$5K
Credit Score Range
N/A
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$350
Disclaimer popup with additional information
Credit Score Range
N/A
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$650
Disclaimer popup with additional information
Credit Score Range
N/A
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$125
Disclaimer popup with additional information
Credit Score Range
N/A
Community Recommended Products
View AllStrongly recommended10 Reviews
Learn MoreStrongly recommended8 Reviews
Learn MoreStrongly recommended9 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+67
-1000+100
No one recommends
Everyone recommends
Delta SkyMiles® Gold Business American Express Card Community Reviews
Would you recommend Delta SkyMiles® Gold Business American Express Card to your friends?
SR
Samuel R.
Jun 29, 2022
May or may not recommend
I upgraded to this card from a previous AMEX SkyMiles card and have used it rather heavily. The SkyMiles rewards have been very beneficial, and is probably the main draw of this card. The annual fee of $95 is rather comparable to cards of this variety, yet still is not pleasant. As for security, I often receive notices asking if I had made a purchase with this card so no ...Show More
OE
Oakley E.
Mar 10, 2021
May or may not recommend
Haven’t used it yet but will review after six months
Emma D.
Oct 24, 2020
May or may not recommend
The Delta SkyMiles Gold credit card is a perfect business companion. I got a signup bonus of 40,000 points after making purchases of up to $2000 with my gold card. I used the points to redeem gifts, buy plane tickets, and purchase products for my business. I recommend this credit card to new business startups.
Showing 3 of 3 reviews
You might also like
Best Business Credit Cards
SuperMoney
Can I Use a Personal Loan to Fund My Small Business?
Audrey Henderson
Easy Business Loans and Your Credit Score
Chonce Maddox
How to Build Your Business Credit
Jessica Walrack