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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?

	Many small businesses are either weary of the new VOIP business telephone system and others may not even have heard about it. The new Voice Over Internet Protocol business telephone systems are revolutionizing the way business is being conducted, on a global level. Large business and small businesses alike are able to take advantage of the benefits of the VOIP business telephone system. VOIP has come along way to being portable and useful. As technology moves forward, this type of business telephone system progresses, too. In the beginning, VOIP business telephone systems required that people be at their computers to use it, and the sound quality was very poor. Now, you are able to receive VOIP business telephone systems on a standard phone and the sound quality is much better. The major benefit of the VOIP business telephone system is that it will significantly decrease your telephone operating costs. You will be able to have one network for both your phone system and your network, so it will also save you from having to pay two separate bills each month. Plus the cost associated with changes in employee status can significantly decrease by moving to a VOIP business telephone system. The flexibility of the VOIP business telephone system also makes it appealing to many companies. With this type of business telephone system, your phone system can go wherever you can access a broadband connection. This means that your will always have access to your phone even when you travel. You can even use the VOIP business telephone system on your laptop, as many VOIP systems have telephony software that allows you to send and receive calls using a unit connected to your laptop. Other benefits of the VOIP business telephone system include receiving voice mail and faxes in your e-mail box. This business telephone system allows you to organize all of your messages on your computer. You will also be able to gain access to virtually any phone number in any area code without paying extra. Through a VOIP business telephone system, if you want to attract consumers in New Mexico, you can have a New Mexico phone number even if your business is located in Connecticut. If you are considering changing over to a VOIP business telephone system, you will want to make sure your transition goes smoothly. Therefore, you may want to hire an expert to come in and help you switch over to a VOIP business telephone system, especially if you have a larger company. You can also start off slowly by only switching over a few employees first to test this new business telephone system and ease everyone into it. Also, to avoid any issues, you will also want to make sure your network security is up to date in order to avoid hackers, as you should already be doing to protect your computers. The VOIP business telephone system can allow your company, big or small, greater flexibility and lower telecommunications bills. With this business telephone business system, you will be able to answer your phone anywhere you get a broadband connection along with having access to messages and faxes in your e-mail inbox. The possibilities with the VOIP business telephone system seem endless, so the only question is how soon you can take advantage of the benefits.

There are many schemes available to people who want to save for their retirement. Yet the ones that are the most popular are the regular or Traditional IRA savings and the relatively new Roth IRA. To understand the concepts of the Traditional IRA and the Roth IRA, you should know what an IRA actually is.

IRA stands for Individual Retirement Arrangements. More commonly, they are also known as Individual Retirement Accounts. Both are saving plans available to anyone who has a taxable income, but they are subject to certain eligibility laws. An individual can make contributions only from compensation income, which can include wages, salaries, fees, tips, bonuses, commissions, taxable alimony, and separate maintenance payments. It does not include incomes from pension or investments.

Traditional IRA

Individuals can make contributions if they have not reached seventy and a half years of age. The eligibility rules vary from individual to individual, depending on factors such as age, income, marital status and participation in an employer-sponsored retirement plan. For example, a single person not covered by any employer-sponsored retirement plan can deduct his or her full contribution, up to the lesser of the compensation or contribution limit. Withdrawals from Traditional IRAs are subject to tax. Also, a required amount of distributions have to be made in order to avoid tax.

Roth IRA

Contributions made to the Roth IRA are tax-deductible but the earnings accrued from them are not. They are a popular way to save on tax. Also, there is no age limit to make a contribution to these accounts. This means that, unlike the Traditional IRA, with a Roth IRA, people over the age of seventy and a half years can continue to contribute funds to the IRA account. Also, it is not mandatory to make any minimum required distribution. Moreover, the contributions made to a Roth IRA are never tax-deductible, but they may or may not be tax-deductible in case of the Traditional IRA, depending on factors such as the individual’s tax filing status or adjustable gross income.