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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Gold Delta SkyMiles® Business Credit Card | |||||
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Issuer:American Express Credit requirement: Earn 15,000 SkyMiles® with your first purchase and save 5% on all Delta flights with the Card. Earn up to 30,000 Bonus Miles One Delta mile for virtually every dollar you spend Always Double Miles in select categories Payment flexibility - Pay in full or over time One Delta mile for virtually every dollar you spend Unlimited fee-free Additional Cards OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more Earn 15,000 SkyMiles® with your first purchase and save 5% on all Delta flights with the Card. Earn up to 30,000 Bonus Miles One Delta mile for virtually every dollar you spend Always Double Miles in select categories Payment flexibility - Pay in full or over time 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. 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. 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. Apply for Gold Delta SkyMiles Business Credit Card |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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