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Verdict: If you’re the owner of a small business and you fly often, you can save a significant amount of money each year with the Delta SkyMiles Business Check Card. This card provides you with rewards points with every signature purchase that you make. Make enough, and you can turn these points into free flights with Delta Air Lines. There are two catches, though: You only earn miles with signature-based — not PIN-based — transactions. And you’ll have to pay an annual fee to own this debit card.
Overview: To earn your rewards points with this debit card, you’ll have to make purchases for which you have to sign. That means that you’ll have to use your debit card as a credit card and complete your purchases by signing a receipt rather than entering a PIN. The money to close the transaction will still come directly from your checking account. But you might lose out on rewards points if, for instance, you use your debit card at the pump when filling your tank if you enter “debit” instead of “credit” at the pump’s option screen.
How This Card Works: When you make a transaction, the money will immediately be withdrawn from your checking account. If your account does not have enough dollars in it to cover the purchase, your transaction will be denied.
Travel and Shopping Benefits: You’ll earn one rewards point for every dollar’s worth of signature purchases you make with your Delta SkyMiles Business Check Card. You’ll earn two rewards points for every dollar, though, if you make signature purchases to book Delta flights, order in-flight movies while flying Delta or make any other Delta-related transaction. You’ll also earn 5,000 bonus points when you make your first signature purchase with this card.
Fees: The Delta SkyMiles Business Check Card does come with a $55 annual. You’ll have to decide whether your potential for free flights outweighs the cost of owning this card. You’ll also have to pay ATM fees if you use your card to withdraw money from ATMs that aren’t operated by SunTrust Bank, the bank that issues the Delta SkyMiles Business Check Card.
- Generous and flexible rewards program.
- Bonus 5,000 miles after first purchase.
- More convenient than checks or carrying large amounts of cash with you.
- Annual fee of $55.
- Must complete signature-based transactions to earn your rewards points.