Delta SkyMiles® Gold Business American Express Card Review (2021.3 Update: 70k+$50 Offer)

2021.3 Update: The new offer is 70k+$50. Offer ends on 2021.04.28.

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Benefits

1. 70k+$50 offer: Earn 70,000 Bonus Miles + $50 after spending $2,000 in purchases in the first 3 months.
2. We value Delta Miles at 1.3 cents/mile (Airline Miles Value). So the 70k+$50 welcome offer is worth about $960! See A Beginner’s Guide to Delta Miles to check for details about Delta Miles.
3. Earn 2 miles per $1 spent on restaurants, shipping, advertising, and Delta purchases; 1 mile per $1 on other purchases.
4. Earn a $100 Delta Flight Credit if you spend $10,000 in a calendar year.
5. First checked bag free on Delta flights.
6. Priority boarding on Delta flights.
7. 20% savings on in–flight foods and entertainment.
8. With this credit card, you can get access to Amex Offers, which often offers very good discounts at some stores. In the past we have seen offers like: Spend $15 or more and get $5 back at Walmart; Spend $75 or more and get $25 back on Amazon.com.
9. No foreign transaction fee.
10. Refer a friend: You can earn 5,000 or 10,000 bonus Delta miles for every approved account you refer, up to 55,000 Delta miles per calendar year.

Disadvantages

1. $99 annual fee, but waived for the first year.

Recommended Application Time

1. You can only get the welcome bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
2. AmEx doesn’t care about the number of hard pulls.
3. You can try to apply for it when you have a credit history of 6 months.
4. Only one AmEx credit card can be approved in a day. This rule does not apply to charge cards, you can be approved for one credit card and multiple charge cards in the day. Multiple cards approved in the same day will only have one Hard Pull.
5. Only 2 AmEx credit cards can be approved within 90 days, but again, this rule does not apply to charge cards.
6. You can keep at most 5 AmEx credit cards, not including charge cards.

Summary

The welcome offer is quite good.

Related Credit Cards

Recommended Downgrade Options

• You can not downgrade this card to any card with no annual fee, so I suggest you close it when you don’t want to keep it any longer.

After Applying

• Click here to check AmEx application status.
• AmEx reconsideration backdoor number: 877-399-3083. The “real” backdoor number of Amex is well protected. Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

Historical Offers Chart

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