 Gold Delta SkyMiles® Business Credit Card
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Intro APR: 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%
- Balance Transfer APR: 9.99% fixed for the life of the balance, for balance transfers made during the first six months of membership.
- Annual 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 business. It gives you the relationships and resources to help you run your business, including:
Financing
Get 2 fee-free Additional Cards and a credit line up to $50,000.
Savings
Receive ongoing savings at FedEx®, Kinko's® and Staples®.
Online management
Manage your account with the Small Business Dashboard, track charges with Expense Management Reports, and access Dun & Bradstreet credit services.
Community
Chat, pose questions, get insights from other small business owners, and attract new business.
Advice
Ask an expert a question, use an online tool, and read articles by other business owners.
American Express® Cardmembership Benefits
The Gold Delta SkyMiles Business 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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If you are a homeowner with a poor credit rating, mortgage refinancing is an excellent way to rebuild your credit. Depending on the severity of your credit problems you may need to refinance the loan with a lender that specializes in bad credit mortgages; however, after as little as 24 months of on time payments you can qualify for competitive rates from a traditional mortgage lender. Here are several tips to help you rebuild your credit rating by refinancing your mortgage loan. Bad Credit Mortgage Lenders Bad credit mortgage lenders specialize in loans for homeowners with poor credit ratings. These mortgage lenders are often called “Sub Prime” mortgage lenders. When applying for a bad credit mortgage it is important to shop from a variety of lenders to ensure you will not pay excessive interest rates and fees. When you comparison shop from a variety of lenders it is easy to spot the ones trying to take advantage of you. The Internet makes it very simple to compare loan offers from a variety of bad credit lenders. You can quickly compare offers from dozens of lenders and even apply for the loan online. When you compare loan offers it is important to compare all fees, points, and closing costs. Choosing the loan with the lowest interest rate does not mean you’ve picked the best mortgage. Rebuilding Your Credit with Mortgage Refinancing When you refinance your mortgage with poor credit you can expect to pay more than a homeowner with good credit. Once you have secured the new loan you will need to focus on building a favorable repayment history with the new loan. When you make regular, on time mortgage payments your credit score will improve. During the 24 months after you refinance your mortgage it is important to maintain low balances on your credit cards and use credit responsibly. If you have Internet banking it would be a good idea to schedule automatic payments to ensure all of your mortgage payments are paid on time. After a period of 24 months of on time payments and responsible use of credit, you will qualify to refinance the mortgage with a traditional mortgage lender. Because you will be refinancing this loan again it is important that the bad credit lender does not include a prepayment penalty with the mortgage. If there is a penalty for early repayment, the penalty must expire before you are ready to refinance the mortgage. If you accept a mortgage with a prepayment penalty it could become very expensive to refinance with a traditional mortgage lender. You can learn more about rebuilding your credit with mortgage refinancing by registering for a free mortgage guidebook. |
- Transfer your balance to Gold Delta SkyMiles® Business Credit Card
You may be surprised to learn how easy it can be to reduce your credit card debt. With the average American household carrying $8400 in credit card debt a simple reduction plan could save thousands of dollars. Step 1: The first thing you want to do to reduce your credit card debt is find out exactly how much money you owe on your credit cards. Then find out how much you are paying in interest yearly. For example, if you a paying $50 in finance charges on one credit card each month and $40 on another you are paying $1,080 in finance charges alone each year. Learning how much money you are paying in interest is usually enough to motivate most card holders to reduce their credit card debt. Step 2: Once you have this information you can then decide whether to consolidate your debt to your credit card with the lowest interest rate or get a new balance transfer credit card with a low APR or lower interest rate. By transferring the balance to a lower interest rate credit card you can save thousands of dollars in interest. Please keep in mind that this is only a temporary solution. If you transfer the combined balances to a low interest credit card you must destroy the old credit cards and close the accounts so that you do not use them again. This is very important. If you transfer your balances to a new low interest credit card, then run the balances up again on the old credit cards you have committed the ultimate debt sin. Note: If you are unable to qualify for a low APR credit card or balance transfer credit card contact each of your credit card issuers and request an interest rate reduction. Explain to them that you are having trouble paying your bills and would like their assistance with finding a reasonable solution. If you are successful, simply transfer your credit card debt to the credit card with the lowest interest rate. After you have transferred your combined balances to a single low interest rate credit card you will want to create a weekly budget. The only way to pay down your debt is to pay your bills on time, and to pay more than the minimum amount due. This can be easily done by paying your credit card bill weekly. If you create a weekly budget that includes all of your expenses such as rent, mortgages, loans, phone bills, etc. you will discover exactly how much you can pay. Step 3: Credit card interest accrues daily not monthly. Therefore paying your bill each week will greatly reduce the amount of overall interest you will pay. Since your balance will be slightly smaller each week, you will be charged less interest on that smaller balance than if you continued to make a single monthly payment. You can figure out your weekly payment by using your monthly minimum. For example if your monthly minimum payment is $50 then you will want to pay as much as you can above $50. If you determine you can pay $60 then you simply pay a fixed $15 each week even after the balance decreases. You can pay more if you are able; however do not begin paying less when you notice a smaller minimum payment. Continue to pay this fixed amount until the debt is paid off. You can tailor this weekly payment method to suit your needs. You can have your weekly checks all written out and simply drop them in the mail each week, or you can have the funds automatically deducted from your checking or savings account each week. Just think of the fun and excitement you will have as your credit card debt is reduced.
- Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
- Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.
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