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Gold Delta SkyMiles Business Credit Card

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.
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DID YOU KNOW?

	How you spend and manage money is a tangible way to measure your values. 1. Are you able to keep the promises that you make? When you borrow money you are making a promise to the person or financial institution that you borrow from to pay the money back. Is it more important to keep your promises to your friends and family who probably won't legally make you pay the money back or is it more important to pay the financial institution that can ruin your credit score and will more likely use legal options. Perhaps you honor all of your obligations in an equal fashion, either trying your best to keep your promises or breaking your word. 2. How much money do you give back to others? There is usually a correlation between the percentage of your money that you give to others who are less fortunate and the amount of time that a person volunteers to help others. The percentage of money that you give also will give you an idea of how self centered that you are. If you do not give a large percentage of money it does not make you a bad or a mean person, it just may be time to reflect upon what you truly believe in. 3. Are you a spender or a saver? This is an area where moderation is probably the best thing to strive for. People who never have two nickels to rub together are living in the moment with no sense of what the future will bring. They are more likely to live the rest of their lives this way by making decisions with out properly measuring the potential future impact. Many adults with ADD are prone to these impulsive decisions and need to pay special attention before making any big decision. People who save every penny never truly live in the moment and deny themselves of the little joys of life. The most important thing that you should take from this article is that the way you mange your money often tells a lot more about your values than what you say or what you tell yourself that you believe. How you spend your money is physical proof of your values. The good news is that you can change your habits with money to reflect the values that you want to have.

One morning a friend of mine was running late for class at school. His wife was throwing together some kind of breakfast while he gathered his laptop, notebook, and picked out the books he was going to need for school that day. He zipped up his pack and ran outside to warm the car up. Except, there was no car. It had been stolen. My friend ran into one disappointment after another that week as he first found the insurance company wouldn't pay for a rental, then that the damage the thief did to the car would only be covered up to the deductible and that somehow he was going to have to come up with the 500 dollars before the car could be fixed. He had supposed he had done due diligence by going to one of those car insurance quotes sites and finding the lowest priced quote. He had thought by getting cheap car insurance he had beat the system somehow. In reality, his cheap car insurance turned out to be crappy car insurance. His problem stemmed from a lack of information about his car insurance.

Before you buy your next auto insurance policy be sure you know all of the facts about the company's service policies. Cheap car insurance is only cheap if the product is as good as the more expensive car insurance. A good place to start is with a free car insurance quote, however obtaining an auto insurance quote is not going to be enough unless you know what kind of service you expect and whether or not the company quoted will provide it. The two A's will keep you straight. They are, Assets and Assistance.

Assets

You want to make certain that your car insurance quote includes every asset you could want or need in an emergency. When you are high and dry without a car, will your insurance cover your transportation needs? Check to make certain that the company you are buying car insurance from will provide you with an auto rental if something goes wrong. If your car is stolen--as my friend's was-- undrivable, or in the car repair shop for a few days you want to make certain that a car will be available to you. If not, you will be forced to call your in-laws and give them one more reason why you aren't good enough for their daughter. Check that you have road-side assistance, some variation on lock-out service, and towing service provided by some insurance company. Remember the car insurance quote is only low if the car insurance product is good.

Assistance

Find out what the auto insurance company's customer service is like before you buy from them. How do you find out something like that? First, there is no way to know for certain what type of people you will end up dealing with, but there are ways to know the probability of having a good experience. First, there is the low tech way of asking your family and friends what their experiences have been. The lemon auto insurance companies will immediately pop up in a network search of that kind, but let's say that you are a hermit and have no family or friends, or like one friend of mine, your family is all from the catskill mountains without cars or running water. If that is the case then you will need to try the high tech method: use the internet. One way is to make use of the Better Business Bureau's search engine. At www.betterbusinessbureau.org you can find if any complaints have been registered against the auto insurance company in question and whether or not the company has resolved those complaints. I have checked the auto insurance companies that have treated my family poorly and they all seem to have a complaint--not made by me--against their name.

Another way to check the customer service of a company is to find a claims telephone number on their website and call it up. If their claims people are nice to you, the likelihood of the customer service being a positive team has just raised. After you have assessed the courtesy level of the auto insurance company's service department, then politely thank them for their time and hang up. No explanation necessary, they will just move on to their next call without giving you another thought. This technique is based on the theory that there are two kinds of companies: the ones who stock their sales teams with friendly people and put all the low-paid mean folks in their claims departments and the ones who stock both with friendly, professionals. Usually, this simple test will tell you the type of company with which you are dealing.

If the quoted auto insurance policy has both the assets you desire and a high quality of customer service, then the quote is a true quote. Remember if you think you might end up actually using the car insurance--which we should all assume we will--then check these two things before running after the apparently low premiums.