RateHerald

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American Express credit card

Delta SkyMiles® Gold Business Card

No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Introductory annual fee for the first year, then $150
Foreign transactions

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$130−$20
Typical spender$335$185
Heavy spender$770$620
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 2x On eligible U.S. purchases at U.S. providers for advertising in select media (miles caps apply); not counted: 2x On eligible U.S. purchases at U.S. shipping providers (miles caps apply); points valued at an assumed 1¢.

−$20a year

$130 the first year, with the welcome bonus.

Rewards and credits$130

−$20 after the fee−$150 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2x On eligible U.S. purchases at U.S. providers for advertising in select media (miles caps apply); not counted: 2x On eligible U.S. purchases at U.S. shipping providers (miles caps apply); points valued at an assumed 1¢.

$185a year

$335 the first year, with the welcome bonus.

Rewards and credits$335

You keep $185−$150 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2x On eligible U.S. purchases at U.S. providers for advertising in select media (miles caps apply); not counted: 2x On eligible U.S. purchases at U.S. shipping providers (miles caps apply); points valued at an assumed 1¢.

$620a year

$770 the first year, with the welcome bonus.

Rewards and credits$770

You keep $620−$150 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x On eligible U.S. purchases at U.S. providers for advertising in select media (miles caps apply); not counted: 2x On eligible U.S. purchases at U.S. shipping providers (miles caps apply); points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

Other miles cards

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Delta SkyMiles

How you earn

2×
At Delta: per every eligible dollar spent on purchases made directly with DeltaOn eligible U.S. purchases at U.S. shipping providers (miles caps apply)On eligible U.S. purchases at U.S. providers for advertising in select media (miles caps apply)At Restaurants
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Delta Flight Credit: $200 annual
  • 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; first bag free for the cardmember and up to 8 additional passengers on the same reservation.
  • $200 Delta Flight Credit after spending $10,000 in purchases on the Card in a calendar year; issued by email within 6-8 weeks as a Delta eCredit, usable for Delta-marketed flights on delta.com or with Delta Reservations.
All 13 benefits
  • Zone 5 Priority Boarding on Delta flights.
  • 20% savings as a statement credit on eligible Delta in-flight purchases.
  • No foreign transaction fees on purchases made outside the United States.
  • Extended warranty
  • Purchase protection: $1,000 per Covered Purchase, 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; for New York State residents, $10,000 aggregate maximum for all Covered Persons per Covered Trip
  • Rental car
  • Emergency assistance

Every figure with its receipt

Rates and fees

Annual fee
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$0 introductory annual fee for the first year, then $150 · americanexpress.com, since Nov 1, 2026
Does it charge a foreign transaction fee?
No. · americanexpress.com, since Nov 1, 2026
See it on americanexpress.com

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