Delta SkyMiles® Gold Business
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How we calculate effective rate →
The Delta SkyMiles® Gold Business from American Express earns up to 1.2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $150. New applicants may see: Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership..
- Top category
- Dining
- Effective value
- 1.2%
- Annual fee
- $150
Worth a look for dining spend if you need a business card and can use Delta SkyMiles the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
What does the Delta SkyMiles Gold Business earn in each category?
Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Delta SkyMiles Gold Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight general.
Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 33% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Delta SkyMiles Gold Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.2% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.2% |
| Gas Gas stations and fuel | 1x miles | 1.2% |
| Travel Flights, hotels, transit | 1x miles | 1.2% |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values Delta SkyMiles at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Delta SkyMiles Gold Business?
The Delta SkyMiles Gold Business fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
Delta SkyMiles Gold Business fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 33% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $150 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use Delta SkyMiles the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.2% effective (1x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $150 annual fee requires enough spend in bonus categories to offset.
- Delta SkyMiles value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Delta SkyMiles Gold Business welcome bonus?
In Madeen's catalog snapshot, the Delta SkyMiles Gold Business welcome offer is Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 60k Delta SkyMiles (~$720 estimated)
- Terms (catalog snapshot)
- Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership. First-year annual fee waived.
- Minimum spend
- $4,000
- Window
- 6Months
Does the Delta SkyMiles Gold Business have an annual fee?
The Delta SkyMiles Gold Business has an annual fee of $150 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $150
- Foreign transaction fee
- None
What travel perks does the Delta SkyMiles Gold Business include?
The Delta SkyMiles Gold Business includes Free checked bag, $150 Delta Stays Credit, $200 Delta Flight Credit, 20% In-Flight Savings in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free checked bag
You can check your first bag for free and save up to $60 on a round trip Delta flight.
What benefits come with the Delta SkyMiles Gold Business?
$200 Delta Flight Credit
$10,000/yrGet 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.
Extended Warranty
$10,000/yrWhen 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.
Purchase Protection
$10,000/yrWhen 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.
Baggage Insurance Plan
$2,000/yrTravel 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.
First checked bag free
$280/yrAs a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
$150 Delta Stays Credit
$150/yrElevate 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.
Car Rental Loss and Damage Insurance
$40/yrWhen 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.
Global Assist® Hotline
$25/yrLose 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.
TakeOff 15: Save 15% on Award Travel
$25/yrTake 15% off when booking Award Travel with miles.
Zone 5 Priority Boarding
$25/yrBoard 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.
20% In-Flight Savings
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.
Related encyclopedia topics
What annual spend bonuses does the Delta SkyMiles Gold Business offer?
- $100 Delta Flight Credit - Get inspired for your next trip - after you spend $10,000 in purchases on your Card in a calendar year, receive a $100 Delta Flight Credit to use toward future travel.
Common questions about the Delta SkyMiles Gold Business
Where do cardholders spend most with the Delta SkyMiles Gold Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on general services postage and shipping (2x) for the Delta SkyMiles Gold Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Delta SkyMiles Gold Business have an annual fee?
The Delta SkyMiles Gold Business carries an annual fee of $150 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Delta SkyMiles Gold Business?
Dining is the strongest Madeen category for the Delta SkyMiles Gold Business at about 1.2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Delta SkyMiles Gold Business charge foreign transaction fees?
The Delta SkyMiles Gold Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Delta SkyMiles Gold Business welcome bonus?
The Delta SkyMiles Gold Business welcome offer in our snapshot: Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Delta SkyMiles Gold Business annual fee worth it?
Whether the $150 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Delta SkyMiles Gold Business compare to similar cards?
Compare the Delta SkyMiles Gold Business against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Delta SkyMiles Gold Business This card | Dining | 1.2% | $150 |
| Dining | 3.5% | $550 | |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
Side-by-side comparisons
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American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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