American Express· co-branded with Delta SkyMiles

Delta SkyMiles Gold Business American Express Card

Annual fee

$150

Welcome bonus

60,00090,000 Delta SkyMilesElevated offer

Foreign txn fee

Apply at American Express

Good to know before you apply

$0 annual fee the first year, then $150. The 2X shipping and advertising bonuses are capped at $50K of spend each per year. Up to 99 employee cards at no extra fee. As of June 2026, this card also includes a complimentary second checked bag on domestic Delta-operated flights, on top of the first free checked bag.

The business version of the Gold - free checked bags, 2X on Delta, dining, and U.S. shipping and advertising, with the fee waived the first year. Up to 99 free employee cards earn on their spend, plus a $200 flight credit after $10K. A clean SkyMiles earner for Delta-loyal small businesses.

Welcome bonus

What you get for signing up and hitting the minimum spend.

90,000 Delta SkyMiles · $6,000 spend in 6mo

See the offer →

🕐 Limited-time offer

This is an elevated, limited-time offer. The standard bonus is 60,000 Delta SkyMiles.

Apply by November 4, 2026.

90,000 Delta SkyMiles after spending $6,000 in the first 6 months.

Offer ends November 4, 2026.

Earn rates

How many points per dollar across categories.

5 categories · top rate 2x

See the multipliers →

Card-level multipliers. Earn currency: Delta SkyMiles.

Category	Rate	Notes
Airline	2x	2X miles on Delta purchases.
Dining	2x	2X miles at restaurants worldwide, plus U.S. takeout and delivery.
Shipping	2x	2X miles at U.S. shipping providers (up to $50,000/year).
Advertising	2x	2X miles on U.S. advertising in select media (up to $50,000/year).
All other purchases	1x	1X miles on all other eligible purchases.

Transfer in

Programs that transfer into Delta SkyMiles — additional paths to top up your balance.

6 programs transfer in

See the inbound paths →

You can transfer points into Delta SkyMiles from 6 other programs — useful if you want to combine balances from multiple loyalty currencies before booking.

From	Ratio	Notes
ALL - Accor Live Limitless	2:1	4,000 Reward points = 2,000 SkyMiles.
American Express Membership Rewards	1:1	1,000 MR = 1,000 SkyMiles
Hilton Honors	10:1	Delta SkyMiles.
Hyatt	5:2	Standard World of Hyatt conversion at 5,000 points to 2,000 miles (5:2). Minimum 5,000 points, then 1,250 point increments.
IHG One Rewards	5:1	Convert IHG points to Delta SkyMiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance.
Marriott Bonvoy	3:1	Flat 3:1 - excluded from the 5,000-mile transfer bonus.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

Browse the portals →

American Express Experiences

Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Travel credits

Annual travel-spend credits and portal incentives.

2 benefits

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Delta Flight Credit

$200 Delta Flight Credit toward future travel after you spend $10,000 on the Card in a calendar year.

Delta Stays Credit

Up to $150/year as a statement credit on prepaid hotels/vacation rentals through Delta Stays on delta.com.

Statement credits

Bill credits and recurring perks that offset annual fees.

2 benefits

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Rideshare Credit

Up to $10/month in statement credits on U.S. rideshare with select providers, after your first Card renewal. Enrollment required.

20% Back on In-Flight Purchases

Earn 20% back as a statement credit on eligible in-flight Delta purchases.

Travel & rental insurance

Trip protection, rental car coverage, baggage, accident coverage.

3 benefits

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Baggage Insurance Plan

Coverage for lost, damaged, or stolen baggage when you buy your fare with the Card.

Car Rental Loss & Damage Insurance

Secondary collision/theft coverage on eligible rentals paid with the Card.

Global Assist Hotline

24/7 emergency coordination when traveling more than 100 miles from home (third-party costs are your responsibility).

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

2 benefits

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Extended Warranty

Extends eligible U.S. manufacturer warranties.

Purchase Protection

Covers eligible new purchases against damage or theft for a limited time.

Other

Other perks on this card.

3 benefits

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First + Second Checked Bag Free

First checked bag free on international and domestic Delta flights; second checked bag free on domestic Delta flights (new benefit).

Up to 99 Employee Cards

Add up to 99 employee cards at no annual fee; they earn miles the same way your Card does.

TakeOff 15 (15% off award flights)

15% off the miles price of Delta award tickets booked on delta.com or the Fly Delta app. Excludes partner-operated flights and taxes/fees.