I carry the Delta SkyMiles Gold American Express for businesses. I own a business because I went to the county clerk and paid $10 to file a “DBA” business certificate – that made me officially a business owner. The Delta Airlines Skymiles Gold American Express card is very different from the generic gold American Express card. The Delta version’s annual fee is far cheaper and gives you great perks for traveling.
The Delta SkyMiles® Gold American Express Card provides benefits such as one free checked bag per flight and Main Cabin 1 priority boarding, as well as the opportunity to earn 75,000 Bonus Miles after spending $3,000 in the first three months. It has an annual fee of $95. The other version (the generic gold American Express card costs $250 per year).
I spent $3000 by pre-paying my health insurance for the entire year.
When I fly, I am always seeking flights for $99 or less. I set a tracking command at flights.google.com to email me whenever a flight dips to $99 or less per direction. My problem is, Delta charges for suitcases. Delta SkyMiles® Gold American Express Card gives each person in your reservation a free suitcase allowance, even in the cheapest class of ticket.
I use Award Hacker to find out what my 75,000 signup miles will buy. For me, it was a round trip ticket to Europe. I also could have gotten a free ticket to Hawaii.
The amount of money I save, not having to pay for my baggage, pays for the $95 annual fee the Delta SkyMiles Gold American Express costs.
Before applying for a credit card, you should have a good idea what your credit card score is. I use Credit Karma to keep track of mine.
When you apply for a credit card, you are going to take a hit of 5 or 6 points on your Fico Score, but it will return to normal in a few months. The longer you keep a credit card alive, the higher your Fico Score goes. To get over 800 on your Fico Score you should have several credit cards alive. Never kill an unused credit card unless it’s costing you an annual fee to keep it alive. Never cancel an American Express credit card until you have 2 years use on the card, because they can claw back your sign up bonus for killing it as soon as you get your sign up bonus.