The Gold Delta SkyMiles Business Credit Card, issued by American Express, is designed for businesses with good credit who would like to earn free travel for business related expenses and travel regularly on Delta Airlines.
Cardholders receive one mile for every dollar spent on general purchases and two miles for every dollar spent at participating retailers and merchants (including Delta Air Lines and Song™ related purchases). 15,000 bonus miles are awarded to new applicants with their first purchase. Miles do not have an expiration date (if travel is made through Delta Air Lines at least once every three years) and a yearly limit of $100,000 in eligible spending applies. Miles earned can be used in conjunction with Delta's frequent flyer program.
Although there is a high annual fee of $85, it is waived for the first year and is reduced to $30 for those who have a Business Gold Card, Executive Business Card, Business Platinum Card, or Business Centurion® Card. The APR for purchases and balance transfers is slightly above average for an airline reward card and not ideal for those who plan to carry a revolving balance. There is also an introductory rate offered that applies to balance transfers until they are paid in full.
Cardholders can also expect many common benefits and services from the card, such as up to $100,000 in travel accident insurance, several purchase protection related services, and discounts at participating merchants and retailers.
Therefore, those who will use the card at participating retailers and merchants (to accumulate additional miles) and plan to pay in full each month (to avoid finance charges) will benefit most from what the Gold Delta SkyMiles® Business Credit Card has to offer.
Most Attractive Feature(s):
15,000 bonus miles; double miles at participating retailers (including Delta Air Lines).
Least Attractive Feature(s):
High annual fee.
Additional Perks
Various Internet account related services.
Extended warranty for purchases.
Auto rental insurance.
Purchase protection.
Emergency card replacement.
Up to $100,000 in travel accident insurance.
Emergency check-in service.
Discounts on products and services at participating merchants and retailers.
Access to OPEN: The Small Business Network services.
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