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Is the Delta Gold Business worth keeping when the fee hits?
Welcome offer — Offer varies — typically 90,000 miles after $6,000 spend in 6 months Estimated by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Worth knowing
Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 2× | Delta purchases, dining, US shipping & advertising — Shipping/advertising up to $50,000/category/yr Inferred by source |
|---|---|
| 1× | Everything else Inferred by source |
| Delta flight credit | $200/yr · annual · at $10,000 spend Inferred by source |
|---|---|
| Delta Stays credit | $150/yr · annual Inferred by source |
| Rideshare credit | $120/yr · monthly Inferred by sourceenroll |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
No lounge access.
| First & second checked bag free | For you and up to 8 companions on Delta domestic-operated flights Inferred by source |
|---|
| Baggage | Baggage insurance plan Estimated by source |
|---|
Using Delta Gold Business at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Delta SkyMiles® Gold Business American Express Card has a $150 annual fee.
Using its non-spend-gated credits fully, the Delta SkyMiles® Gold Business American Express Card returns about $270 in value against its $150 annual fee — a net of +$120 per year. It can pay for itself if you actually use the credits.
The Delta SkyMiles® Gold Business American Express Card earns 2x on delta purchases, dining, us shipping & advertising, 1x on everything else.
No — the Delta SkyMiles® Gold Business American Express Card does not include airport lounge access.
No — the Delta SkyMiles® Gold Business American Express Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically 90,000 miles after $6,000 spend in 6 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.