Back
cc_advertiser_disclosure cc_editorial_disclosure
bf325b12-08c4-4509-813f-d5d6de7ea09a.jpg
Delta SkyMiles® Gold Business
Score Needed: Good to Excellent
Delta SkyMiles® Gold Business
At a glance
Welcome Offer

Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Limited Time Offer
New Offer
All time high
Rewards

2X miles on every eligible dollar spent on purchases made directly with Delta

2X miles on every eligible dollar spent on purchases at U.S. shipping providers

2X miles on every eligible dollar spent on purchases made directly with Delta

2X miles on every eligible dollar spent on purchases at U.S. shipping providers

1X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$0 for the first 12 months then $150
Delta SkyMiles® Gold Business

The Delta SkyMiles® Gold Business American Express Card is perfect for business owners who travel with Delta and want to earn miles on everyday purchases. You’ll earn 2x miles on Delta purchases, U.S. shipping, dining, and select advertising, and 1x on everything else. Enjoy travel perks like a free checked bag, priority boarding, and savings on in-flight purchases. With no foreign transaction fees and the ability to earn miles toward award flights, it’s a great card for frequent Delta travelers looking to turn business expenses into travel rewards.

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase
Credit Inquires
No items found at this time
For existing Amex cardholders — Amex does not pull your credit for new credit card applications.
Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time
Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Downgrade Options
Getting your card
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
No items found.

Credits

$200 Delta Flight Credit

Enjoy a $200 Delta Flight Credit after spending $10,000 in a calendar year with your Delta SkyMiles® Gold Business American Express Card, redeemable for future Delta flight bookings.

Credits

$150 Delta Stays Credit

Elevate 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.

Priority Boarding

Zone 5 Priority Boarding

Board 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.

Extra Redemption Value

TakeOff 15: Save 15% on Award Travel

Take 15% off when booking Award Travel with miles.

Purchase Protection

Purchase Protection

When 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.

Miscellaneous Benefits

Global Assist® Hotline

Lose 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.

Free Baggage

First checked bag free

As 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.

Extended Warranty

Extended Warranty

When 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.

Auto CDW Insurance

Car Rental Loss and Damage Insurance

When 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.

Lost Luggage Insurance

Baggage Insurance Plan

Travel 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.

Inflight Savings

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.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your Delta SkyMiles to any of the following American Express Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee
bf325b12-08c4-4509-813f-d5d6de7ea09a.jpg
Upgrade Your Wallet!
Delta SkyMiles® Gold Business Click learn more to see if you qualify

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?
No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.
What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?
You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.
I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?
For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.