Delta SkyMiles® Gold Business

Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 13% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 1.2% effective value (1x miles at about 1.2 cents each). That dining rate ranks higher than about 13% of the 1,547 cards we track in that category.

Madeen values Delta SkyMiles at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Delta SkyMiles Gold Business fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.

Delta SkyMiles Gold Business fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 13% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.

Less compelling if the $150 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.

Worth a look for dining spend if you need a business card and can use Delta SkyMiles the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Delta SkyMiles Gold Business has an annual fee of $150 and a foreign transaction fee of None. New applicants may see: Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.. Confirm current issuer terms before applying.

Annual fee

$150

Foreign transaction fee

None

Signup bonus

Earn 60,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership. First-year annual fee waived.

The Delta SkyMiles Gold Business includes Free checked bag, $150 Delta Stays Credit, $200 Delta Flight Credit, 20% In-Flight Savings in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Free checked bagYou can check your first bag for free and save up to $60 on a round trip Delta flight.

• $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.

• $200 Delta Flight Credit

  Get a head-start on your next trip, compliments of your Card. Earn a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• $100 Delta Flight Credit - Get inspired for your next trip - after you spend $10,000 in purchases on your Card in a calendar year, receive a $100 Delta Flight Credit to use toward future travel.

Compare the Delta SkyMiles Gold Business against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining

• Hilton Honors American Express AspireAmerican Express · 3.5% on dining
• Hilton Honors American Express Surpass®American Express · 3% on dining
• Hilton Honors BusinessAmerican Express · 3% on dining
• Marriott Bonvoy Bevy™ American Express®American Express · 2.8% on dining

Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure