American Express
Delta SkyMiles Gold Business
Delta SkyMiles Gold Business costs $150 annual fee and earns up to 2× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Delta SkyMiles Gold Business returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $150 annual fee
- Best earn rate
- 2× dining
- Points value
- 1.3¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 90,000 points
- About $1,170 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Delta SkyMiles Gold Business earns
Dining
2×
Flights and hotels booked direct
2×
Advertising
2×
Shipping
2×
| Category | Rate | Conditions |
|---|---|---|
| Dining | 2× | |
| Flights and hotels booked direct | 2× | |
| Advertising | 2× | |
| Shipping | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Delta SkyMiles Gold Business right for you?
Enter a typical month. You will see what the Delta SkyMiles Gold Business returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Capital One Spark Cash Plus Top for your numbers
1× everything else. $150 annual fee.
Rewards $502 · Fee −$150
+$352
2× dining, 2× travel booked direct; 1× everything else. $150 annual fee.
Rewards $412 · Fee −$150
+$262
Delta SkyMiles Platinum Business
3× travel booked direct; 1× everything else. $350 annual fee.
Rewards $373 · Fee −$350
+$23
Delta SkyMiles Reserve Business
3× travel booked direct, 1.5× transit; 1× everything else. $650 annual fee.
Rewards $381 · Fee −$650
−$269
How we estimate
- Every rate on this page comes from the card catalog. Delta SkyMiles Gold Business pays 1× on spending outside the bonus categories listed above, and up to 2× on dining.
- We value this card's points at 1.3¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
90,000 points
About $1,170 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
Points and partners
Delta SkyMiles
Transferable to airline and hotel partners.
Where this data came from
Checked americanexpress.com 2026-10-05. $150 annual fee, waived the first year. 90,000 miles after $6,000 in 6 months. 2x on Delta purchases, restaurants and U.S. supermarkets; 1x other. $150 Delta Stays credit and a new $120 rideshare credit, which requires enrollment and does not open until 12 months after account opening. No foreign transaction fee.
FAQ
The Delta SkyMiles Gold Business charges $150 a year. Earning back $150 means about $962 a month on dining, where it earns 1.3¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
2× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $150 means about $962 a month on dining, where it earns 1.3¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 90,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.3¢ a point that is about $1,170, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Delta SkyMiles, which you can transfer to the partners below. Transfers are what make a 1.3¢ valuation reachable; using the points for cash back is worth far less.
No. The Delta SkyMiles Gold Business charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.