The American Express has come up with the Business Gold Delta Skymiles from American Express aimed at the small business sector. The card promises the much needed financial help in the form of a credit line of up to $50000. The card is very apt for the business owners who can take advantage of savings on flying miles as the card enables the customers to accumulate considerable airline miles for the Delta and Song airlines.

The Basic Features Of The Card

The annual fee applicable is $85, which is waived off for the first year. An applicant, having a charge card account with the American Express, however, will enjoy a special benefit and will be charged a mere $30 towards fee for the Business Gold Delta Skymiles Card.

The card has a regular APR of 17.99 percent, which is above the average. You should have no problems if you clear your payments regularly. Defaulters, i.e., people who carry balances, will find the card not very beneficial and they will accrue huge credit card debts.

The Card Benefits

The Business Gold Delta Skymiles from American Express awards the users with points. If you spend one dollar on general purchases, then you can earn one point. According to the double points program, you can take back 2 points for every dollar spent at super markets gas stations, drug stores and United States postal services. You can also earn double points if you use the card to make purchases with Delta and Song airlines or for wireless phone bills.

The good news is that the miles earned have no expiration period but you should keep your account active for a three-year time period.

You will receive 15000 start-up miles for making the first purchase with the card. You will be awarded with additional 5000 bonus miles for making purchases worth $15000 and $25000 annually. You will also be eligible for 1000 bonus miles for each additional card application submitted with the basic card application (for up to five additional cards).

Equipped with this card you can save money for the discounts at the FedEx, AT&T, Hertz and many more.

The Extra Benefits

The Business Gold Delta Skymiles from American Express offers a myriad of other benefits and perquisites. You can receive purchase protection related services, travel accident insurance and discounts from those merchants and retailers who are a member of the American Express network. You can also benefit from the various account related services, purchase protection, emergency check in service and other similar services.

The Business Gold Delta Skymiles from American Express is the ideal card for business owners. The card provides host of benefits to small business owners, supporting them with a fitting credit line as well as rewards and services like free air miles, fee-free additional cards that help them run their business smoothly.

Features Of The Card

The annual percentage rate (APR) is average for an American Express airline rewards card, which gives it an edge over the other credit cards. It is not a good choice for you if you plan to carry a revolving balance.

The annual fee is not claimed in the first year, but thereafter it is fixed at $85. However, if you possess a charge card account with American Express, your annual fee will drop to a mere $30.

The Card And Its Benefits

The Business Gold Delta Skymiles from American Express provides the cardholders reward points. The card enables you to maintain a good credit and simultaneously receive free fly miles. If you spend one dollar on general purchases with the card, you will gain one reward point. The card comes with the American Express' Always Double Points program – this option allows you to gain 2 points for spending every dollar at gas stations, drugstores, United States Postal Service and supermarkets.

On making your first purchase with the card, you will get 15000 start-up miles. The good news is that the points do not expire if the account is operated within three years. Furthermore, you will get an extra 5000 bonus miles each for reaching the $15000 and $25000 marks in annual purchases.

You can also enjoy earning double points for paying wireless phone bills and making Delta and Song purchases with the card.

The OPEN Network Program

The card is great for providing benefits under the American Express’ OPEN network for small business program. The program offers the cardholder discount rates at major businesses, like AT&T, FedEx, Hertz and 1-800-FLOWERS.COM.

The program further provides a credit line up to a maximum of $50000 and extra account cards without any additional fee. The OPEN members can avail the services of a chatting community, have access to a network with the other business owners, seek professional/expert advice and even make use of online account management tools.

Go for the Business Gold Delta Skymiles from American Express if you have a business and need to save on flights. The card is suitable for you if you already have a qualified and low-interest card for making large purchases. The card is unsuitable for you if you need to finance business expenses over time.

Added Advantages

Similarly, like most of the other credit cards, the Business Gold Delta Skymiles from American Express also offers many Internet account related services, purchase protection, auto rental insurance, emergency card and cash replacement and extended warranty for purchases.

The card also provides benefits like discounts on products and services at participating retailers and merchants, emergency check-in service and more.

Founded in 1850, the American Express is a financial organization that is highly respected. Now, it has around 78200 employees. American Express cards are renowned for their remarkable benefits and excellent customer service. They promise the customers immediate purchasing power.

One such card, the BLUE CASH for Business from American Express is a cash back version of the BLUE Card, which was introduced in 1999. The BLUE CASH card is basically a business credit card, which is specifically made for the small business owners interested in a cash back rewards program and having an average credit.

What Does The Card Offer?

The BLUE CASH Card from American Express is equipped with a 0% introductory Annual Purchase Rate (APR) available for the first six months on your purchases and 7.99% rate on the balance transfers, also applicable for the first 6 months only. After the end of the introductory period, the purchase APR remains within a reasonable range. The card has no annual fee.

The card creates enough scope for the cardholders to earn rebates through a reward program. The rebates are offered for the expenses you make within the "OPEN Savings" network, which include general purchases, Hertz, Staples, AT&T, FedEx and others. Here, the cardholders can earn up to 5% cash back on purchases.

As a cardholder, you can earn up to 2.5% cash back on purchases even outside the network of the “OPEN Savings”. The high-rebate percentage scheme will be valid until the annual spending on your card reaches the $15000 limit. After you reach the limit, the purchases made within the OPEN Savings network will fetch you 2% cash back and the other purchases will get you 1% cash back.

Package Of Benefits

The other benefits offered by the BLUE CASH for Business from American Express includes unlimited extra fee-free cards, business advice from experts, travel and emergency insurance, extended warranties on certain purchases, travel accident insurance, car rental insurance, emergency card replacement, various Internet account related services, purchase protection and more.

The OPEN Savings Network

The BLUE CASH for Business from American Express provides you access to the OPEN Savings Network, which is a small business network. This offers you the resources and associations to help you in the smooth functioning of your business. Other than the unlimited fee-free additional cards and savings, the network permits you to manage your account online with the Small Business Dashboard. You can also track charges with the Expense Management Reports.

You can avail expert opinion and advice for help on business matters; you may as well discuss business issues with other business owners online.

The BLUE CASH Card from American Express is powered by 0% Introductory Annual Purchase Rate (APR) on purchases for the initial six months. The Balance Transfer rate of 7.99% for the first six months too is quite impressive. Even after the introductory period is over, the APR on purchases remains reasonable at 13.24%. The American Express Card is annual fee free and enables you make good savings.

Reward/Rebate Program

American Express rewards the cardholders by giving them with plenteous opportunities to earn rebates through a systematic reward program. The card offers rebates to the cardholders for the expenses they make both within and outside the ‘OPEN Savings’ network.

You will be eligible for earning 5% cash back on purchases you make from participating merchants and retailers like AT&T, FedEx, Hertz, Staples and others. General purchases within the network too will get you good rebates. Purchases outside the ‘OPEN Savings’ Network will fetch you up to 2.5% cash back.

The high-rebate percentage scheme will continue to benefit you until you reach the $15000 figure in annual expenses using your card. Once your expenses touch this $15000 mark, the cash back offers will slow down – purchases you make from the OPEN Savings network will bring you 2% cash back and purchases elsewhere will get you 1% cash back.

Other Benefits

As part of the OPEN Savings Network, BLUE CASH for business from American Express will bring you many advantages. With features such as unlimited fee-free additional cards and savings, a host of online account management tools that help you keep a track of expenses and charges, you will be able to manage your business better. Free expert advices on business matters will help you run your business smoothly.

Speaking of other benefits, you will be well guarded with various safety measures like travel insurance, car rental insurance, extended warranties on particular purchases, plausible discounts on products and services in case of participating merchants and retailers, several protective measures regarding valuable purchases and emergency card replacement.

The Target Group

The Nest Credit Card American Express is specially designed to cater to the needs of the newly wed couples so that they can combine their finances and earn rewards while planning for the future. The card comes with an exclusive nest planning kit filled with several helpful items and the nest planning binder that help couples to organize the monthly household budget and manage joint finance.

The Salient Features

The Nest Credit Card American Express has no annual fees and charges no APR (i.e. 0% interest on purchase and balance transfer) for an introductory period of six months. After the initial span of 6 months the company charges a regular APR of + 3.99%. The card also comes with a very high credit line.

In addition, the holder can pay his/her balance in part/full according to own discretion and receives a monthly statement with all the details. There is also the scope of obtaining a fee-free additional card for your spouse and then you can earn points on his/her purchases too.

As a cardholder, you can avail special savings and events from the Nest and American Express. A card member also has access to a series of offers like savings from the Nest retail partners and the Nest store.

Other Card Benefits

The Nest Credit Card American Express comes with an array of benefits for the cardholders. The card is globally accepted and offers services like travel and emergency assistance, purchase and fraud protection, emergency card replacement, medical and legal referrals, auto rental insurance, roadside assistance, emergency cash replacement and travel accident insurance coverage up to a maximum of $100,000. The Nest Credit Card protects the identity of the holder.

Reward Scheme

For a first-time user of The Nest Credit Card American Express, the company allows 5000 membership rewards points that can be redeemed for a $50 gift card. For every dollar spent through the card, the holder is eligible to get one point and there is no limit to the amount of points that can be earned.

Additional 10000 points are awarded to the cardholder every year if the card member spends over $15000 on the card in a year. The points can be redeemed for traveling, shopping, entertainment, etc., and they do not expire as long as the account remains active during a 3-year period.