Delta SkyMiles Gold Business American Express Card by American Express: 2x advertising (search / social media), 2x dining & restaurants, 2x flights /…
The Delta SkyMiles Gold Business American Express Card is American Express's mid-tier credit card. The $150/yr annual fee includes a 60,000-point welcome bonus after spending $4,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Rideshare credit | $120/mo | Up to $10/mo back on eligible U.S. rideshare purchases with select providers ($120/yr); enrollment required. Added for Gold Business Card Members June 2026. |
| Delta Stays credit | $150/yr | Up to $150/yr in statement credits toward a Delta Stays prepaid hotel or vacation rental booking |
| Delta Flight Credit (after $10K calendar-year spend) | $200/yr | A $200 Delta Flight Credit to use toward future Delta travel after you spend $10,000 in purchases on the Card in a calendar year. Resets each calendar year; the $10,000 spend threshold must be re-hit annually to re-earn it. |
Welcome bonus value (year one): ~$720. Annual statement credits: $470. Minus the $150 annual fee = ~$1040 in year-one net value before any spending earn. RewardsGuru rating: 4.0/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
60,000 points after spending $4,000 in the first 6 months. At our ~1.2¢/pt valuation, that's roughly $720 in real value.
Year-one math: welcome bonus value (~$720) + annual credits ($470) − $150 fee = ~$1040 net before spending earn. Year-two onward, the credits alone need to clear $150 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
3 recurring statement credits: Rideshare credit ($120/mo), Delta Stays credit ($150/yr), Delta Flight Credit (after $10K calendar-year spend) ($200/yr). Total: $470/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.