Delta SkyMiles® Business
Delta's small-business co-brand, offered in Gold/Platinum/Reserve tiers with rising fees and perks. The Gold tier listed here is the entry point — free checked bags and priority boarding are the everyday value drivers.
Delta SkyMiles® Business at a glance
Issued by American Express. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $99 (Gold tier)
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–28%
- Foreign transaction fee
- None
Rewards
2x miles on Delta purchases and select categories, 1x elsewhere
Intro offer
Miles welcome bonus after minimum spend
Delta SkyMiles® Business's annual fee vs. the cheapest and priciest cards on the marketplace
Delta SkyMiles® Business vs. similar Travel rewards
| Criterion | Delta SkyMiles® Business | Ink Business Preferred® | Southwest® Rapid Rewards® Premier Business |
|---|---|---|---|
| Annual fee | $99 (Gold tier) | $95 | $99 |
| Regular APR | Variable, ~19–28% | Variable, ~19–24% | Variable, ~19–26% |
| Foreign transaction fee | None | None | None |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Delta SkyMiles® Business charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +Free checked bag for you and up to 8 companions on the same reservation
- +Priority boarding
- +No foreign transaction fee
Cons
- −Only valuable if you fly Delta
- −Higher-tier cards (Platinum/Reserve) needed for lounge access
Delta SkyMiles® Business has a $99 (Gold tier) annual fee, requires good/excellent credit, and carries a Variable, ~19–28% regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Businesses that fly Delta regularly
We don't have a partnership with American Express — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.