The Delta SkyMiles® Gold Business American Express Card is a credit card that offers rewards to business owners for their purchases. The card provides an array of benefits, including bonus miles on eligible purchases, access to priority boarding and free checked bags, and more. This review will provide an overview of the features and benefits of this card as well as its drawbacks. Furthermore, it will examine how the card compares with similar products in terms of fee structure, reward value, and other factors. Finally, readers can expect a conclusion based on the research conducted during this article’s review process.
This review focuses on the key aspects of the Delta SkyMiles® Gold Business American Express Card: fees & charges; rewards program; international acceptance; customer service; security features; additional perks & privileges; and comparison with other cards. In addition to providing an overview of each aspect mentioned above, this review also explores various opinions from customers who have used or are currently using the card. Through such exploration, readers should gain a better understanding of whether or not investing in this particular credit card is worth it for them.
With all these elements combined together, readers can look forward to an informative yet unbiased analysis of the Delta SkyMiles® Gold Business American Express Card – one that delves into both its strengths and weaknesses so they can make informed decisions about their financial choices accordingly.
Eligibility Requirements
The Delta Skymiles® Gold Business American Express Card is available to those who are 18 years or older and have a valid social security number. Applicants must also be U.S. citizens or permanent residents with an eligible billing address in the United States. To apply, applicants will need to provide information such as their name, contact information, residence details and annual income. Once approved, cardholders can enjoy its many benefits including free checked bags on all Delta flights, bonus miles after spending certain amounts annually, access to exclusive events and discounts from participating vendors as well as 24/7 customer service. With this card, business owners can keep track of employee expenses more easily while earning rewards for every purchase they make.
Benefits And Rewards
The Delta SkyMiles® Gold Business American Express Card offers a wide range of rewards and benefits for its members. With this card, users can earn 2 miles per dollar spent on eligible purchases made directly with Delta Airlines and 1 mile per dollar spent on all other eligible purchases. Additionally, the card provides access to complimentary upgrades when available, as well as waived checked bag fees for up to four traveling companions.
Other benefits include:
- Complimentary access to more than 900 airport lounges globally through the Priority Pass Select program.
- A 20% discount when purchasing food or beverages onboard Delta flights.
- Up to $100 in statement credits annually after making qualifying purchases at participating restaurants within the first three months of opening their account.
Members also enjoy an introductory offer of 30,000 bonus miles after spending $1,000 in the first three months from account opening date which can be redeemed towards travel expenses such as airfare and hotels stays. This card is ideal for frequent flyers who want to maximize their rewards while taking advantage of special perks associated with it.
Interest Rates And Fees
The Delta Skymiles® Gold Business American Express Card offers cardholders a suite of competitive interest and fee rates. To provide an in-depth look at these options, the table below outlines each rate type available:
| Interest Rate Type | APR | Fee Amount |
| Purchase APR (Variable) | 13.49% – 23.49% | None |
| Balance Transfer APR (Variable) | 13.49% – 23.49% | 3%, Minimum $5.00 |
| Cash Advance APR (Fixed) | 26.24% | Either $10 or 5%, whichever is greater |
| Penalty APR (Fixed) | 29.99%None |
Cardholders are provided with additional benefits that may help to offset some of the associated fees and interests of this card, such as access to discounts through their shopping portal and bonus miles for purchases made directly from Delta airlines or other select partners. Furthermore, there are no annual fees or foreign transaction fees applicable when using this card abroad; making it a great option for frequent travelers who wish to earn rewards on their daily spending while avoiding extra costs during their trips overseas. Ultimately, the Delta Skymiles® Gold Business American Express Card provides users with flexible terms and generous reward opportunities for responsible use, which can make it quite appealing for those looking to maximize their creditworthiness without sacrificing important financial gains.
Customer Service
The Delta Skymiles® Gold Business American Express Card (GSB) provides customers with a variety of customer service options. This includes access to 24/7 customer service and assistance in the event of an emergency or travel disruption, as well as access to Global Assistance Services for medical, legal, financial and other services while travelling abroad. GSB also offers online account management tools that allow users to manage their accounts easily and securely. Furthermore, GSB cardholders can take advantage of rewards and discounts through the Delta SkyMiles program.
Customer satisfaction is important to GSB; therefore they offer several avenues to obtain help when needed. These include phone support, email contact forms, live chat and social media messaging. Additionally, customers have the option of submitting feedback about their experience using the online survey tool provided on the website. Customers are encouraged to provide honest feedback so that GSB can improve its products and services going forward.
Pros & Cons
The Delta SkyMiles® Gold Business American Express Card offers a variety of benefits for business owners. With no annual fee, the card provides access to purchase protection, car rental loss and damage insurance, travel accident insurance and extended warranty coverage. Additionally, users can earn one mile per dollar spent on eligible purchases. Rewards are redeemable towards flights with Delta Air Lines or other partner airlines as well as hotels, car rentals and more.
However, it is important to consider potential drawbacks associated with this card. For instance, while users can receive bonus miles after spending over certain threshold amounts within the first three months of having the card, they must spend $2,000 in order to receive 10,000 bonus miles—a significant amount that may be hard to reach for some businesses. Furthermore, there is an extra cost involved when using points for hotel stays or non-airline related services such as cruises or tours. These costs could potentially offset any rewards earned from using the card regularly.
Alternatives
For business owners looking for a credit card with Delta SkyMiles benefits, there are several alternatives to the Delta SkyMiles Gold Business American Express Card. The Platinum Delta SkyMiles Business Credit Card from American Express offers an introductory bonus of 40,000 miles after spending $3,000 in purchases within three months as well as 5,000 Medallion Qualification Miles (MQMs) and 35% back on eligible purchases. This card also provides additional rewards such as free checked bags, priority boarding privileges and discounted rates on airfare. Additionally, it has no foreign transaction fees making it ideal for businesses that frequently travel internationally.
Another option is the Delta Reserve Credit Card from American Express which has an annual fee of $450 but offers more generous rewards than the Gold version including 15,000 MQMs after spending $30,000 in a calendar year and 30,000 bonus miles when you spend $60,000 annually. It also includes access to complimentary upgrades and discounts on select flights. Both cards offer rich reward programs; however, they may not be suitable for smaller businesses due to their high annual fees or spending requirements.
Conclusion
The Delta SkyMiles® Gold Business American Express Card is a great choice for business owners looking to earn rewards and take advantage of the many benefits associated with the card. Eligibility requirements are relatively straightforward, making it accessible to most businesses. Benefits and rewards include access to Delta Sky clubs, free checked baggage on flights, priority boarding privileges, as well as generous bonus miles when signing up or renewing membership. Interest rates and fees are competitively priced compared to other similar cards in the market. An exemplary customer service team is available 24/7 to address any questions or concerns that may arise.
Overall, there are both pros and cons associated with this card so individuals should consider their needs before deciding if it is right for them. While some drawbacks exist such as high annual fee and foreign transaction fees; however these can be offset by taking full advantage of all available benefits and rewards offered by the card provider. For those who travel frequently and would benefit from discounts on airfare, car rentals, hotels stays etc., then this could be an excellent option worth considering.
In addition to the Delta SkyMiles® Gold Business American Express Card, there are many other options available which offer different features depending on individual preferences. It is important to compare each of these offers carefully in order to make an informed decision that best meets one’s needs while maximizing value-for-money spent.