The Delta SkyMiles Gold Business Card is more than just a credit card—it’s a gateway to a smoother, more rewarding travel experience. Designed with business owners in mind, this card offers a unique blend of perks that make it an essential tool for frequent flyers. Whether you’re flying across the country for a meeting or heading overseas for a conference, this card ensures that your travel is as comfortable and cost-effective as possible.
From the moment you swipe your card, you’re not just making a purchase—you’re earning miles that can take you further, faster. In essence, the Delta SkyMiles Gold Business Card is designed to make every aspect of your travel experience more enjoyable, all while helping you manage your business expenses with ease.
Main features of the Delta SkyMiles Gold Business Card
Issued by American Express, a brand synonymous with prestige and reliability, the Delta SkyMiles Gold Business Card is tailored for small to medium-sized business owners who frequently travel with Delta Airlines. This card is particularly beneficial for those who want to maximize their travel rewards while managing their business expenses efficiently.
With American Express behind the scenes, cardholders can expect top-tier customer service and a plethora of tools designed to help manage finances, from expense tracking to employee cards. While the card is packed with travel benefits, it’s important to note that it’s not just about the perks—it’s also about providing business owners with the flexibility and control they need to manage their expenses effectively.
By combining the global reach of Delta Airlines with the financial expertise of American Express, the Delta SkyMiles Gold Business Card stands out as a powerful tool for those looking to balance business and pleasure.
Understanding the annual fee
In the first year, cardholders are welcomed with a $0 annual fee, giving them ample time to experience all the card’s benefits without worrying about upfront costs. After the first year, the annual fee adjusts to $150, a reasonable cost considering the value the card delivers, especially for those who frequently fly with Delta.
Deciphering credit limits
The process involves a detailed assessment of your business’s financial health, ensuring that the limit set is both responsible and reflective of your spending capacity. Factors such as your credit score, annual revenue, and overall financial stability play crucial roles in this determination.
American Express looks at your business’s income, expenses, and cash flow, along with your personal credit history, to establish a credit limit that aligns with your needs. The goal is to provide a limit that offers sufficient flexibility for your business transactions without encouraging overextension.
Advantages of the Delta SkyMiles Gold Business Card
- 2X Miles at Delta: Earn double miles on every dollar spent directly with Delta, making every trip more rewarding.
- 2X Miles on U.S. Purchases: Earn double miles on eligible U.S. purchases at shipping providers and on advertising in select media.
- $200 Delta Flight Credit: Receive a $200 Delta Flight Credit after spending $10,000 in purchases within a calendar year.
- First Checked Bag Free: Save up to $70 on a round-trip Delta flight per person by checking your first bag for free.
Standout advantage
The Delta SkyMiles Gold Business Card’s most compelling advantage is its ability to seamlessly integrate travel rewards with essential business needs. The $200 Delta Flight Credit, in particular, stands out as a significant perk for frequent flyers.
Addressing potential drawbacks
- Annual Fee After First Year: The shift from a $0 introductory annual fee to $150 after the first year may be a point of contention for some cardholders, particularly those who don’t travel as frequently.
- Limited Reward Categories: The 2X miles are only applicable to specific categories, such as Delta purchases and select U.S. purchases, which might not align with all businesses’ spending habits.
- High APR: With an APR ranging from 20.99% to 29.99%, carrying a balance on this card could become costly, especially for small businesses with tight cash flow.
Standout disadvantage
The most notable drawback of the Delta SkyMiles Gold Business Card is its high APR. With variable rates ranging from 20.99% to 29.99%, carrying a balance on this card could quickly become expensive. This is particularly challenging for small businesses that might experience fluctuating cash flows, making it difficult to pay off balances in full each month.
Eligibility criteria
The Delta SkyMiles Gold Business Card is available to business owners who meet specific criteria. Applicants must have a registered business or be sole proprietors and have a solid credit score to be eligible. American Express considers both personal and business credit histories, so a good credit standing is essential.
Additionally, the application requires details about the business, including revenue, expenses, and other financial information, to determine creditworthiness. Business owners should also ensure they have a clear understanding of their financial needs and spending habits, as this will influence the credit limit and overall benefits they can derive from the card.
How to apply for the Delta SkyMiles Gold Business Card
Applying for the Delta SkyMiles Gold Business Card is a straightforward process designed to get you up and running quickly. Whether you prefer the convenience of online applications or the personal touch of speaking with a representative, there are multiple ways to apply.
Via website
The most convenient way to apply for the Delta SkyMiles Gold Business Card is through the American Express website. The online application process is streamlined and user-friendly, guiding you step-by-step through each section. You’ll be asked to provide details about your business, such as its name, address, and financial information, as well as your personal details.
Once you’ve submitted your application, you can expect a decision almost immediately, typically within 30 seconds. If approved, you’ll receive your card within a few days, ready to start earning miles and enjoying all the benefits that come with being a Delta SkyMiles Gold Business Cardholder.
Through the mobile application
For those who prefer managing everything on their mobile devices, the American Express app offers a convenient and efficient way to apply for the Delta SkyMiles Gold Business Card. The app, available for both iOS and Android, provides all the features of the website but with the added flexibility of applying on the go.
The app guides you through the application process, just like the website, asking for the necessary details about your business and personal information. Once you’ve completed the application and if approved, the app will allow you to start managing your account immediately.
Through the store/branch
While American Express is a highly digital platform, some business owners may prefer the personal touch that comes with in-branch services. Unfortunately, as American Express operates primarily online and through customer service channels, there isn’t an option to apply for the Delta SkyMiles Gold Business Card in a physical branch.
