Delta SkyMiles® Gold Business Card
$150 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $150”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $170 | $20 |
| Typical spender | $410 | $260 |
| Heavy spender | $840 | $690 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Delta SkyMiles
- 2× milesAir travel on a Delta flight; air travel on a Delta partner flight with a DL flight number; Delta Stays prepaid hotels and vacation rentals; Delta Vacations packages; and other Delta services
- 2× milesPurchases at U.S. providers for advertising in select media
- 2× milesPurchases at U.S. shipping providers
- 2× milesPurchases charged at restaurants worldwide
- 2× milesPurchases charged at supermarkets located in the United States; superstores and warehouse clubs are not considered supermarkets
- 1× milesEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $150” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- U.S. rideshare credit: $10 monthly
- Delta Stays credit: $150 annual
- First checked bag free on international and domestic Delta flights; second checked bag free on domestic Delta flights. The first-bag benefit applies to the cardmember and up to 8 additional passengers on the same reservation.
- The card does not offer airport lounge access.
- 15% savings on eligible Delta award travel booked with miles on delta.com and the Fly Delta app; not applicable to partner-operated flights or taxes and fees.
- Zone 5 Priority Boarding on Delta flights.
- After $10,000 in purchases in a calendar year, receive a $200 Delta Flight Credit for future Delta-marketed flights booked on delta.com or through Delta Reservations.
- Receive 20% savings in the form of a statement credit on eligible Delta in-flight purchases.
- Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home; third-party provider costs are the cardmember's responsibility.
- Foreign transaction fees are not charged on purchases made outside the United States.
- Pay with Miles: redeem 5,000 miles for up to $50 off a Delta flight booked on delta.com.
- Extended warranty: Up to one extra year
- Purchase protection: Up to $1,000 per covered purchase and up to $50,000 per Card Member account per calendar year
- Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; New York State residents have a $10,000 aggregate maximum for all covered persons per covered trip
- Rental car
Questions
- What is the annual fee?
- $150 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other miles cards with fees up to $300
- Delta SkyMiles GoldAmerican Express · $150 a yearabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).