American Express® Business Gold Card vs Delta SkyMiles® Gold American Express Card

This comparison aims to help you decide between the American Express® Business Gold Card and the Delta SkyMiles® Gold American Express Card. Both cards offer unique features and benefits, catering to different user needs. Let's delve into each card's offerings to determine which might be the best fit for you.

Card Overviews

American Express® Business Gold Card

The American Express® Business Gold Card is designed for business owners looking to maximize their rewards on everyday business expenses. This card offers a robust rewards structure and valuable benefits tailored for small to medium-sized businesses.

Delta SkyMiles® Gold American Express Card

The Delta SkyMiles® Gold American Express Card is ideal for frequent Delta travelers who want to earn miles on their everyday spending. It provides benefits that enhance travel experiences with Delta, making it a great choice for those who prioritize air travel.

Detailed Feature Comparison

Rewards Highlights

American Express® Business Gold Card

• Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• 1X is earned for other purchases. **

Delta SkyMiles® Gold American Express Card

• Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
• Earn 1X Mile on all other eligible purchases.

Pros and Cons

American Express® Business Gold Card

• Pros:
• High earning potential with 4X points on top spending categories.
• Valuable business-related benefits, including statement credits.
• Flexible rewards categories based on business spending.
• Metal card design adds a premium feel.
• Cons:
• Higher annual fee compared to some other business cards.
• Minimum spend requirement for welcome bonus may be challenging for some businesses.

Delta SkyMiles® Gold American Express Card

• Pros:
• Low introductory annual fee; no fee for the first year.
• Great travel benefits for Delta flyers, including free checked bags.
• Earning miles on everyday purchases enhances overall travel rewards.
• Cons:
• Limited to Delta and related purchases for maximum rewards.
• Less lucrative earning potential compared to business-focused cards.

Who Should Consider Which Card?

The American Express® Business Gold Card is ideal for business owners who frequently spend in varying categories and want to maximize rewards on their business expenses. If your business has significant expenses in categories like advertising, shipping, or software subscriptions, this card could provide substantial rewards.

The Delta SkyMiles® Gold American Express Card is best suited for individuals who travel with Delta frequently and want a card that rewards them for their everyday spending while providing travel perks. If you often fly Delta and value benefits like free checked bags and priority boarding, this card may be the better choice.

Conclusion

Ultimately, the choice between the American Express® Business Gold Card and the Delta SkyMiles® Gold American Express Card comes down to your individual needs and spending patterns. Consider your business expenses, travel habits, and the types of rewards that matter most to you when making your decision.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”