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American Express

Delta SkyMiles® Gold Business American Express Card

75,000 Miles Bonus 0% Intro APR · 12 mo No Foreign Fees
$150 Annual Fee
19.99%–28.99% Variable Purchase APR
75,000 Welcome Bonus
670+ Recommended FICO
Miles Reward Type
Browse Cards › American Express › Delta SkyMiles® Gold Business American Express Card

Welcome Bonus

75,000 Miles
Welcome Bonus
Spend $6,000 in the first 90 days
Offer Expires July 17, 2024

Rewards

Reward TypeMiles
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0.01¢ each
ExpirationMiles never expire
CategoryRateTypeCap
Purchases Made Directly with Delta 2x Miles No cap
U.S. Advertising Purchases 2x Miles No cap
U.S. Shipping Purchases 2x Miles No cap
All Other Purchases 1x Miles No cap

Benefits & Protections

No Foreign Fees
Travel Insurance
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
BenefitCategoryValue / Coverage
Delta Flight Credit
Receive a $200 Delta Flight Credit after spending $10,000 in purchases on your Card in a calendar year.
Credits $200
Up to $200
Connect to QuickBooks
Easily sync your card transactions with QuickBooks for streamlined accounting.
Financial Complimentary
Employee Cards
Add employee cards to help manage business expenses and earn miles on their purchases.
Financial Complimentary
Introductory Annual Fee Waiver
Enjoy a $0 introductory annual fee for the first year of card membership, then $150.
Financial $0 for the first year
Up to $150
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your Card on purchases abroad.
Financial Complimentary
Year-End Summary
Receive a summary of your business spending to help with tax preparation and financial planning.
Financial Complimentary
Baggage Insurance Plan
Provides coverage for lost, damaged, or stolen baggage when you purchase your entire fare for a common carrier ticket with your eligible Card.
Insurance Up to $1,250 for carry-on, $500 for checked baggage
Up to $1,250
Car Rental Loss and Damage Insurance
Provides secondary coverage for damage or theft of an eligible rental vehicle when you use your card to reserve and pay for the rental and decline the collision damage waiver (CDW) at the rental counter.
Insurance Up to $50,000
Up to $50,000
Extended Warranty
Extends the original manufacturer's warranty for an additional year on eligible purchases with a warranty of five years or less.
Insurance Up to $10,000 per item, $50,000 per cardmember account per calendar year
Up to $10,000
Purchase Protection
Protects eligible purchases against accidental damage or theft for up to 90 days from the purchase date.
Insurance Up to $1,000 per occurrence, $50,000 per cardmember account per calendar year
Up to $1,000
American Express Experiences
Access to exclusive events, presale tickets, and preferred seating for concerts, shows, and sporting events.
Lifestyle Complimentary access
Delta Purchases Miles Earning
Earn 2 miles per dollar on eligible purchases made directly with Delta.
Rewards 2 Miles per $1
Everyday Purchases Miles Earning
Earn 1 mile per dollar on all other eligible purchases.
Rewards 1 Mile per $1
U.S. Advertising Services Miles Earning
Earn 2 miles per dollar on eligible purchases made directly with U.S. advertising services.
Rewards 2 Miles per $1
U.S. Restaurants Miles Earning
Earn 2 miles per dollar on eligible purchases made directly with U.S. restaurants.
Rewards 2 Miles per $1
U.S. Shipping Services Miles Earning
Earn 2 miles per dollar on eligible purchases made directly with U.S. shipping services.
Rewards 2 Miles per $1
Welcome Bonus Miles
Earn 70,000 bonus Delta SkyMiles after spending $2,000 in purchases on the new card within the first 3 months of card membership.
Rewards 70,000 Bonus Miles
Account Alerts
Set up alerts to monitor spending, payments, and potential fraud.
Security Complimentary
Dispute Resolution
American Express helps resolve billing disputes with merchants.
Security Complimentary
Fraud Protection
American Express protects you from fraudulent charges, ensuring you're not held responsible for unauthorized purchases.
Security Zero Liability
Amex Offers
Access personalized offers for statement credits or bonus points at various merchants when you add them to your card and make eligible purchases.
Shopping Varies
ShopRunner Membership
Enjoy complimentary ShopRunner membership, providing free 2-day shipping and free returns at participating online stores.
Shopping Complimentary
First Checked Bag Free
Receive your first checked bag free on Delta flights for you and up to eight companions traveling on the same reservation.
Travel Complimentary
Global Assist Hotline
Provides 24/7 emergency assistance and coordination services for medical, legal, financial, or other select emergency situations when traveling more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.
Travel Complimentary (services)
In-Flight Savings
Get 20% back in the form of a statement credit on eligible in-flight food, beverages, and audio headsets purchased on Delta flights.
Travel 20% Statement Credit
Main Cabin 1 Priority Boarding
Enjoy Main Cabin 1 Priority Boarding on Delta flights, allowing you to get on the plane sooner and access overhead bin space.
Travel Complimentary
MQD Headstart
Receive $2,500 Medallion Qualification Dollars (MQDs) each Medallion Qualification Year.
Travel $2,500 MQDs
MQD Waiver
Earn a waiver from the MQD requirement for Gold Medallion Status and below after spending $25,000 in eligible purchases on your Card in a calendar year.
Travel Waiver for Gold Medallion Status

Interest Rates

0%
Intro Purchase APR for 12 months
Purchase APR19.99%–28.99% Variable
Cash Advance APR29.99%
Min. Interest Charge$1

Fees

Annual Fee $150 Waived first year
Authorized User FeeFree
Foreign Transaction FeeNone
Cash Advance FeeEither $5 or 3% of the amount of each Cash Advance, whichever is greater.
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleYes

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 5 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, sudden drastic changes in spending patterns, not paying bills on time, applying for too many cards in a short period, defaulting on other Amex products
Cliff Effect Rules
The welcome bonus for the Delta SkyMiles® Gold Business American Express Card is not available to applicants who have or have had this specific card or any other Delta SkyMiles® Gold Card from American Express.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
American Express generally limits welcome bonuses to once per lifetime for a specific card product or family, meaning applicants are ineligible if they have or have had this Delta SkyMiles® Gold Card or any other Delta SkyMiles® Gold Card. Additionally, Amex may deny a welcome bonus via a 'pop-up' message if an applicant is deemed ineligible based on their relationship with Amex.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
American Express
$150
Annual Fee · Waived first year
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Welcome Bonus 75,000 Miles
APR 19.99%–28.99% Variable
Quick Summary
Annual Fee $150
RewardsMiles
Welcome Bonus75,000 Miles
Intro APR0% · 12 mo
Foreign FeesNone
Min. FICO670+
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