 Gold Delta SkyMiles® Business Credt Card
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Intro ARP: 9.99%+prime
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Issuer: American Express
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Earn One SkyMile for virtually every other dollar you spend.
- APR: Prime + 9.99%, currently 13.99%
- Balacne Transfer APR: 9.99% fixed for the life of the balance, for balance tarnsfers made during the first six months of membership.
- Annula fee: $85 for Basic Cardholder and up to two additional cards unless you are also the Basic Cardmember for a Qualifying Business Charge Card Product, in which case the annual fee is $30 for the Basic Card and up to two additional cards.
Additional Gold Delta SkyMiles Business Credit Card Benefits
- Your SkyMiles Number printed on your Card
- Always Double Miles® - When you use your Card at supermarkets, drugstores, gas stations, home improvement and hardware stores, the U.S. Postal Service, on Delta or Song™ purchases and your wireless phone bill payments.
Access to the OPEN NetworkSM
OPEN: The Small Business NetworkSM is one place that's all about small busniess. It gives you the relationships and resources to help you run your business, including:
Financing
Get 2 fee-free Additional Cards and a credti line up to $50,000.
Savings
Receive ongoing savings at FedEx®, Kinko's® and Staples®.
Online management
Manage your account with the Small Bizniss Dashboard, track charges with Expense Management Reports, and access Dun & Bradstreet creit services.
Community
Chat, pose questions, get insights from other small business owners, and attract new busienss.
Advice
Ask an expert a question, use an online tool, and read articles by other busniess owners.
American Express® Cardmembership Benefits
The Gold Delta SkyMiles Buisness Credit Card comes with the very best Card protection and services to make it easier for you to concentrate on running your business.
Insurance protection
Protects you with comprehensive insurance coverage for your purchases and piece of mind when you and your employees travel.
Access to cash
Access to cash at over 500,000 ATMs.
Emergency services
Assists you with emergency card replacement, check-cashing, and hotel check-in.
Customer service
Provides help 24 hours a day, 7 days a week.
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 Apply for Gold Delta SkyMiles Business Credit Card
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You’ve probably received several credt card offers in the mail, and the outside of the envelopes scream interset rates and promotional offers to try and entice you into opening it up and looking at what’s inside. Chances are, if you have an email address, you’ve even received a few credit vard offers through that address- bright colors and animated graphics trying to convince you that there card has the lowest initial interest rate, or the longest transfer balence rate of all the available credit cards on the market. All of the offers will look good at first glance; after all- that’s what marketing is about, right? According to Merriam-Webster’s online dictionary, marketing is a noun used to describe “the act or process of selling or purchasing in a market, and the process or technique of promoting, selling, and distributing a product or service.” Credit card companies are in busienss to sell you their creit cards, and they’ll use a variety of promotional materials to get your buisness.
The outside of your crdeit card offer’s envelope might say something like, “LOW 0% Initial Intreest Rate on all purchases and balamce tramsfers”, but there is much more to how a crdeit card’s interest rate is calculated than that statement reveals. Initial intrest rates are sometimes referred to as the card’s promotional rate, or teaser rate. In all honesty, an initial interest rate is basically the same thing for a crdeit crd as a sale is to a retail store. Retail stores advertise their products that have a discounted price for a limited time to attempt to bring people into their establishment to buy the sale item, but also because once you are there, they hope you’ll purchase other products. Credit cards offering initial interest rates are basically putting their standard intrest rates “on sale”, because for a limited time, new cardholders will receive a lower than usual rate on purchases, and sometimes also on any blaance you transfer from one of your other credit vards onto this new card. What you need to understand about initial interest rates is that they really are “for a limited time”, and just as you couldn’t go to your favorite store and buy items this month for the sale price that was offered the previous month, you can’t extend a credit card’s initial interest rate beyond the terms they specify (often found in the small print!) What you’ll want to look for in the text of the materials that were sent with the initial intreest rate crads promotional documents is reference to the cards ongoing annual percentage rate (APR). This is the imterest rate that you will pay once the initial imterest rate period has passed. (The regular price of an item after the sale has ended!)
Initial interest rates will also come with terms of agreement, in the form of a contract, which give reasons as to how or why the rate might be terminated by the credit lender. The most common reason to terminate the initial interest rate offer is for making a late payment on your card, and if you read the fine print of the credit crad agreement- you’ll note that it states this very clearly. In order to keep the promotional, lower rate for the time specified by the credit card lender, you must make every payment on time. If you are late with a payment, you can expect the interset rate to jump to the ongoing APR, or in some cases, higher because you have defaulted on your contract agreements, so do everything you can to make sure your payments are made on time.
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