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The American Express Delta Skymiles Business Credit Card was last reviewed on 21st September 2006.
Summary - We recommend the Gold Delta SkyMiles® Business Credit Card to the small business owner who is a frequent flyer on Delta Airlines or Song. One of the unique features of this card is that aside from earning double miles from Delta or Song purchases, you also earn double miles on "everyday purchases". Furthermore, American Express is also enticing potential new cardholders with the following incentives.
10,000 bonus miles after first purchaseAnother 10,000 bonus miles after you spend $5,000An additional 5,000 bonus miles if you add two new employees to your accountNo annual fee for the first year
Let's find out more about this card.
Miles Formula - The American Express Delta Skymiles Business credit card allows you to earn double miles of every dollar you spend on Delta or Song purchases. Furthermore, you also earn double miles when you use the card at supermarkets, drugstores, gas stations, home improvement and hardware stores, the U.S. Postal Service and your wireless phone bill payments.
Delta Skymiles does not expire as long as your accout is active within 3 years. Your account is considered active if you have (a) earn SkyMiles through one of the SkyMiles programs partners including the Gold Delta SkyMiles Credit Card, (b) redeem SkyMiles for any SkyMiles Award, or (c) take at least one qualifying flight on Delta, Delta Connection®Delta Shuttle® or Song® purchased with a fare that is eligible for SkyMiles mileage credit.
Bonus Miles - The American Express Delta Skymiles Business card is giving the following incentives to sign up new cardholders. You get 10,000 bonus miles after your first purchase. You get an additional 10,000 bonus miles after you spend $5,000 on the card (within 6 months). Furthermore, you get another 5,000 bonus miles when you add two employees to your account. That is a total of 25,000 potential bonus miles you can earn during your first year, which is enough for a free roundtrip ticket within continental US.
Open Savings - Like every American Express business card, you can save money when you use the card with OPENSavings merchants and get savings. These merchants include AT&T, Expensable, Fedex, Hertz, subscription to USA Today and 1800-Flowers.com.
Fees and APR - The American Express Delta Skymiles Business credit card has an annual fee of $85.00. This annual fee is waived during the first year. If you have either the Basic Cardmember for a Business Gold Card, Executive Business Card, Business Platinum Card, or Business Centurion® Card, then the annual fee will be $30.00. There are no additional card fees. The apr is prime rate plus 9.99%. You get a 9.99% apr on balance transfer for the life of the balance. The average daily balance method (including new purchases) is used to calculate monthly balances.
Credit Lines - You can get a credit line of up to $50,000.
Verdict - The American Express Delta SkyMiles® Business Credit Card will appeal to the small business owner who travels a lot with Delta Airlines or Song. One of the unique features of this card (as well as the personal card version) is that aside from earning double miles on Delta and Song purchases, you also earn double miles on "everyday purchases". American Express is also offering up to 25,000 bonus miles and a waiver on the first year annual fee to get this card. Lastly, you can issue unlimited cards to your employees without having to pay any additional card fees.
Positives
Earn double miles on Delta and Song purchasesEarn double miles on "everyday purchases"Get up to 25,000 bonus milesFirst year annual fee waivedNo additonal card fee
| American Express Delta Skymiles Business Credit Card |
| Reward Benefits |
| Point Accumulation |
Earn 1 point for every dollar you spend
Earn double miles on purchases at stand-alone supermarkets, drug stores, gas stations, home improvement and hardware stores, Delta and Song® purchases and the U.S. Postal Service, and your wireless phone payments. |
| Cost/Fees/Interest rates |
| Introductory rate |
9.99% on balance transfer for life |
| Annual Fee |
$85.00 - first year fee waived
Amex charge card holders pay on $30.00 in annual fee |
| Purchase APR |
Prime Rate plus 9.99% |
| Cash Advance APR |
Prime Rate plus 14.99% |
| Penalty/Default Rate APR |
Prime Rate plus 12.99% or 21.99% |
| Min Finance Charge |
$0.50 |
| Grace Period |
20 days |
| Balance Calculation Method |
Average Daily Balance (including new purchases) |
| Balance Transfer Fee |
No balance transfer fee during introductory offer |
| Cash Advance fee |
3%, min $5.00 |
| Over-the-credit-limit fee |
$35.00 |
| Late Payment fee |
$15.00 - less than $100
$29.00 - between $100.00 to $1000.00
$35.00 - greater than $1000.00 |
Apply for the American Express Delta SkyMiles Business Credit Card
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