Delta Skymiles Application: Fill & Download for Free

Black amex or Centurion card. You will not find an application for this card online, although the terms and condition may be viewed online. Rather, American Express will extend an invitation to customers who meet certain secret criteria. American Express will not confirm, but based on our research it is generally believed the requirements are to:1.Use other American Express cards2. Be an active cardholder for at least one year3.Charge at least $250,000 per year (although some estimates are as high as $450,000)The cost of initiation fee is $5000 until $7500 and the annual fee is $2500.If you are one of the chosen few who receive an invitation to apply, you’ll have to pay these hefty fees. There is no interest rate because it’s not a credit card.But there are extra privileges for the rich which cannot be bought with cash alone. Upgraded airline and hotel loyalty program status, such as Delta SkyMiles Platinum Medallion and Hilton HHonors Diamond, are rumored to be benefits of the Centurion card. However, there are other less prestigious cards that can help you earn these upgraded statuses without the huge annual fee.Benefits are also rumored to include a luxury car rental service, with preferred pricing on exotic high-end vehicles like Lamborghinis, Bentleys and even Formula One racing cars.The real value of membership may be in the form of personal services offered by the concierge, such as reminder calls prior to anniversaries and birthdays, personal shoppers, or tickets to sold-out events. Wild tales of the power of this card and the service it offers are common. Snopes relates several, including one of an American Express employee who traveled by motorcycle to retrieve a handful of sand from the shores of the Dead Sea for the school project of a cardholder’s child in London. Presumably, most cardholders should not expect that level of service. Indeed, cardholders in China are already complaining that the service is lacking and does not warrant the hefty annual fee.

You can safely ignore any answer which talks about a $500 annual fee. They are unqualified to offer advice about a card when they don't even come close to knowing what the true annual fee is, much less the actual card benefits.The annual fee for the Gold Platinum is $95. The Platinum Delta is $195.If you frequently fly Delta, either card is worth it. First of all, you can earn a sign-up bonus of 60,000 miles or more. While the AmEx site says 40,000, you can always find better offers going through various travel websites. One difference with the Platinum Delta, though, is in addition to regular miles, they also have a MQM (Medallion Qualifying Miles) bonus. This is good if earning status in the frequent flyer program is important to you.Another advantage both have is that you and those traveling on your reservation pay no checked bag fee for the first bag checked. In certain cases, you can check two for free. You also get priority boarding. Both cards have no foreign transaction fees.Both cards earn 1 point for general purchases and 2 for purchases on Delta. However, in reality you can get three points for airline and hotel and car rental purchases through various promotions that AmEx constantly runs or simply by going through the AmEx travel portal.If you have either of the American Express Delta cards you can use a function called "Pay with Miles". That means you can use your miles not only to redeem award tickets, but use them as cash directly when you purchase a normal paid ticket. One mile equals $0.01. While that may sound like a bad deal, there are often cases where you use fewer miles redeeming them for cash than using them for an award ticket.A second difference between the Gold and Platinum Card is that the Platinum offers you a free annual companion pass. For a maximum fee of $75, a guest can fly with you for free once a year on any domestic ticket of 4 segments or less.If you can find benefit in any American Express Delta Card, I'd apply for the Platinum and not the Gold. Why? The Platinum sign-up bonus is better (in addition to the miles, you get $100) and you get the companion certificate. The annual fee is waived for the first year. At the end of the year you can avoid the fee by requesting a downgrade to the Gold or the Blue Card. The Blue card has no annual fee. If your goal is the Gold Card, still downgrade to the Blue. Then you keep the Blue while you make a completely new application for the Gold. You will get the new sign-up bonus for the Gold as you have never held that card before. The annual fee for the Gold Card will be waived the first year. After a little while, transfer your credit limit from the Blue over to your Gold Card and cancel the Blue Card. You've now accumulated at least 100,000 SkyMiles for free with minimal effort. Even at only $0.01 each, that's $1,000.If you fly Delta, the only reason NOT to get the Platinum Delta SkyMiles Card from American Express would be if you are crazy. :)

I frequently get questions about how to get a business credit card, and if it’s a better fit than a personal credit card. They look similar, swipe the same and may even offer similar terms and rewards as personal credit cards, but business credit cards have a few distinct differences that can trip up a new business owner looking for a credit cardBusiness credit cards can be a great way to build a credit history for your business, so finding the right one can be key to getting better interest rates on other business financing options down the road and even on securing partnerships (many businesses do credit checks on potential partners as a form of background check).When it’s time to get a business credit card, it can be too easy to just fill out an application and click on the “submit” button. Instead, you need to take the time to do some research, learn about how small business credit cards work, and find the one that’s right for your company’s needs.How to get a business credit card in 6 stepsCheck your credit scores. Your personal credit scores are a main determining factor behind which cards you will qualify for.Know an your annual income. You’ll be asked for your personal income on your business credit card application. This means any source of income, not just income your making from your business.Research available reward options. Does you travel frequently for business? Maybe a travel rewards business credit card is right for you. Do you need a card you can transfer existing debt onto? Consider a balance transfer card.Understand the rates you’ll be paying on your credit card debt. Business credit cards offer comparable APRs to that of personal credit cards, but APRs do vary by card and are influenced by your credit scores and income. If you are applying for a business charge card, make sure you understand the fees.Know the eligibility requirements for the card you select. In particular, you should know the credit score requirements for the card. If you end up getting denied, understand that multiple credit card applications over an extended period can damage your personal credit scores.Apply for the business credit card. You can use your SSN or an EIN for your business if you have one. If applying online, you’ll usually get a decision right away.Here are eight things that you need to know before you apply for a business credit card.1. You don’t need to be incorporated.You might think that your company needs to be incorporated to apply for a small business credit card, but it doesn’t. You can apply for a small business credit card if you have an LLC, a partnership, or as a sole proprietor.2. You don’t need an Employer Identification Number.While business credit card applications will ask for your company’s Employer Identification Number (EIN), you won’t have one if you are operating as a sole proprietor. You can use your Social Security number (SSN) instead.3. Business credit cards aren’t covered by the same rules as personal cards.The CARD Act of 2009 created some new rules that credit card issuers had to follow, but it also carved out some major exceptions for business credit cards. For example, the CARD Act requires a minimum 21-day grace period (for cards that offer one). It also makes card issuers apply payments to the highest interest rate balances first and give customers a 45-day notice before raising rates on future charges. Yet small business credit cards are exempt from these requirements. Thankfully, many credit card issuers have chosen to voluntarily apply these rules to their small business cards.4. Your personal credit will likely factor into whether you get approved.Most small business credit cards are approved based on your personal credit score and require your personally guarantee to open an account. Some cards will report to your personal credit report, your business credit, or to both — here’s a quick cheat sheet on major issuers’ policies.5. There are business credit cards for different types of credit.Just as with personal credit cards, there are business credit cards that are tailored to your credit profile. For example, Capital One offers its Spark Classic card for small business owners with average credit. It has aannual fee, and offers a modestBut for small business owners with excellent credit, Capital One offers the Spark Cash card that featureswith an annual fee of.6. Business credit cards can offer promotional financing.If you’re looking for a small business credit card to help you finance your company expenses, consider a card that offers an interest-free financing period. Small business credit cards can come with 0% APR introductory financing on new purchases, balance transfers, or both. For instance, the American Express Blue Business Plus card currently offers new applicants 0% on purchases for 12 months from date of account opening.7. You can combine your business and personal rewards.If you enjoy using your personal credit card to earn points and miles with your favorite airline or hotel loyalty program, you can add to your rewards with a small business credit card. When you apply for either a personal or a business credit card that’s co-branded with an airline or hotel, you will be asked for your loyalty program number. Since you’ll use the same number for the rewards you earn from both your business and personal credit cards, all of your points and miles will be pooled.And if you’re earning rewards directly with a credit card program, you’ll also have your points combined. For example, the American Express Membership Rewards and the Chase Ultimate Rewards programs both allow you to combine the rewards you’ve earned from your personal and business credit cards.8. A business credit card might duplicate the benefits of your personal credit card.Many business credit cards are nearly identical to the personal version. For example, the Delta SkyMiles Reserve card from American Express comes in both a business and a personal version, each with a $550 annual fee. Both cards offer priority service when flying Delta as well as access to their SkyClub lounges, regardless of which credit card you use to pay for your tickets. Therefore, you might want to think twice before getting both the business and personal versions of the same card.