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Two credit unions are offering CDs with at least 9% APY, which is much higher than normal. There are currently not one, but two credit unions offering CDs with at least 9% annual percentage rate, or APY: California Coast Credit Union and Express Credit Union. Since both of these financial institutions are credit unions, you'll need to be eligible for membership to open any accounts with them. You'll also be able to become a member of Express Credit Union if an immediate family member is already a member of that credit union. California Coast Credit Union offers the California Coast Credit Union Celebration Certificate, which lasts for five months and gives 9.50% APY.

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In order to qualify for the Navy Federal More Rewards American Express® Card, you must be a member of the Navy Federal Credit Union. If you're a Navy Federal Credit Union member and are seeking a card with a traditional welcome offer in the form of points or cash back, other comparable options include the Navy Federal Credit Union Visa Signature® Flagship Travel Rewards Credit Card and the Navy Federal Credit Union cashRewards Credit Card. How to earn rewards from the Navy Federal More Rewards cardThe Navy Federal More Rewards American Express® Card features an impressive rewards structure — akin to notable cards such as the Chase Sapphire Preferred® Card, Citi Strata Premier℠ Card , and American Express® Gold Card. Cardholders can earn 3x points at restaurants and on food delivery, 3x points at supermarkets, and 3x points on gas and transit. Navy Federal More Rewards American Express card benefits and featuresThe Navy Federal More Rewards American Express® Card won't overwhelm you with robust benefits like airport lounge access or hotel elite status, but it does feature several noteworthy perks.

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Delta Gold Card OverviewThe Delta SkyMiles® Gold American Express Card is great for infrequent Delta flyers who often check luggage when traveling. Delta Gold Card Benefits and FeaturesThe Delta SkyMiles® Gold American Express Card offers a wide variety of benefits when you fly Delta or use the card for travel and shopping. As with most other cards, there are fees for other activities, including:Cash advance feeLate payment feeReturned payment feeCompare the Delta Gold CardDelta SkyMiles® Platinum American Express Card vs. Delta SkyMiles® Gold American Express CardThe Delta SkyMiles® Platinum American Express Card is a step up from the Delta Gold card. Delta SkyMiles® Reserve American Express Card vs. Delta SkyMiles® Gold American Express CardThe Delta SkyMiles® Reserve American Express Card is Delta's premium-tier credit card, with a sky-high annual fee of $650 to match. Delta Gold Card Frequently Asked QuestionsWhat does Delta Gold Card get you?

Persons: Doesn't, stow, Miles, Finance Insider's, aren't, Cardholders, cardholders, Reserve cardholders Organizations: Delta, Express Card, U.S, U.S . Supermarkets, PayPal, Amex, Delta SkyMiles ®, American Express, American, Finance, Delta Sky Club, Air France, KLM, Virgin Atlantic, —, Credit, Express, Global, TSA, SkyMiles ®, ®, Reserve, American Express Card Locations: delta.com, Delta, Mexico, Caribbean, Chevron

American Express issues four co-branded Hilton credit cards, but only one — the Hilton Honors American Express Card — has a $0 annual fee. Hilton Credit Card Benefits and FeaturesThe Hilton Honors American Express Card comes with a handful of useful perks that can improve your travel experience and save you money. Hilton Credit Card Annual Fee and Other CostsThe Hilton Honors American Express Card has no annual fee, so it's easy to keep without incurring a yearly cost. The Hilton Honors American Express Card is the only one of the four Hilton credit cards that charges a $0 annual fee. Methodology: How we reviewed the Hilton Credit CardBusiness Insider's credit cards team compared the Hilton Honors Amex to other co-branded Hilton credit cards, as well as similar no-annual-fee hotel credit cards from other chains like Marriott, IHG, Wyndham, and Choice.

Persons: Hilton, that's, you'd, you'll, Conrad, Hilton LXR, Hilton Tru, —, Cash, Amex Organizations: Business, Hilton Honors, Hilton, U.S, American Express, Honors, Express, Hilton Honors American, Hilton Honors American Express, Gold, Card, Chase Travel, Capital, Cardholders, Conrad Hotels, Resorts, Hilton DoubleTree, Hilton Embassy, Inn, Hilton Hilton Hotels, Garden Inn, Hilton Homewood, Hilton Signia, Hilton Tempo, Hilton Waldorf Astoria Hotels, Tru, Conrad, Amazon, Hilton Gold, Chase, Amex, Marriott, IHG, Global, American, Hilton Credit Card Locations: U.S, Hilton, Hampton, Conrad Maldives, Falls, Kansas, IHG

How Delta SkyMiles worksThe Delta SkyMiles loyalty program helps Delta lovers earn rewards and elite status. How to Earn Delta SkyMilesThere are multiple ways to earn Delta SkyMiles. Flying with Delta and partner airlinesThe most obvious way to earn Delta SkyMiles is to fly on Delta. Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members. Delta SkyMiles frequently asked questionsHow do I earn SkyMiles with Delta?

Persons: stow, Miles, Doesn't, MQD Headstart, There's, Read, Cardholders, cardholders, You'll, Delta, Delta SkyMiles, SkyMiles, it's, you've Organizations: Business, Delta, Air France, KLM, Read, Loyalists, SkyMiles, American Express, TSA, Delta SkyMiles, U.S, Card, Global, Delta SkyMiles ®, American, Delta Sky Clubs, ®, SkyMiles ®, Delta Sky Club, Delta Sky, U.S . Shipping, Advertising, Delta Gold American, TSA PreCheck, Delta loyalists, Express, Express Card, American Express Card, American Express Delta Gold, American Express Delta, SkyMiles Reserve, Delta Reserve, Delta American Express, Air, China Eastern, Korean, Delta Gold Card Locations: Delta, Atlanta , New York, Seattle, U.S, Caribbean, American, delta.com, SkyMiles, Air France, China, Air Tahiti Nui, Chevron

Earning Membership Rewards pointsAmex Membership Rewards points are some of the most highly valued credit card rewards. For more information, read our supplemental posts comparing American Express Membership Rewards cards and our Membership Rewards transfer partners guide. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Tips for Membership Rewards membersAmex Membership Rewards points are relatively forgiving, but there are some basic rules you should know. American Express Membership Rewards frequently asked questionsHow do I earn Membership Rewards points?

Persons: Uber, Wiley, Julie Mehretu, Peacock, Uber Cash, You've, It's, Airfare, you'll, Chase, PayPal RiteAid, cardholders, Read, Wells Fargo, Miles, Cardholders, Wells, Amex, You'll Organizations: Business, American Express, American, Express, Hilton, Marriott, Saks, Entertainment, Disney, ESPN, The New York Times, Street, Walmart, TSA, Global, Saks Fifth, U.S, Milk Bar, Chase, Amex, FedEx, Grubhub, Supply, Amex Travel, Resorts, Plusgrade, Air Canada, Etihad, Qantas, Ethiopian Airlines, TAP Portugal, Amazon, PayPal, PayPal RiteAid Saks, Ticketmaster Amex, Ticketmaster, U.S ., Aer Lingus, Air France, KLM, Blue, British Airways, Emirates, Etihad Airways, Hawaiian Airlines, JetBlue, Singapore Airlines, Virgin, Marriott . Business, Air, Citi, Capital, Miles, Bilt, Mastercard Locations: Hulu, U.S, AmexTravel.com, Asia Miles, Iberia, Amex, Emirates, Air Canada, Fargo Wells Fargo, Wells

Delta SkyMiles Gold Business American Express Card Annual Fee and Other CostsThe Delta SkyMiles® Gold Business American Express Card has an annual fee of $0 intro for the first year, then $150. Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Gold Business American Express CardThe Delta SkyMiles® Platinum Business American Express Card is the big sibling of the Delta SkyMiles® Gold Business American Express Card. Delta SkyMiles® Gold Business American Express CardThe Delta SkyMiles® Reserve Business American Express Card is Delta's top-tier business credit card. Despite very similar names, the Delta SkyMiles® Gold Business American Express Card and the American Express® Business Gold Card are different products. Why You Should Trust Us: How We Reviewed the Delta SkyMiles Gold Business American Express CardBusiness Insider's experts compared the Delta SkyMiles® Gold Business American Express Card to other business cards from Delta and competing airlines.

Persons: Doesn't, You'll, Miles, Cardholders, That's, cardholders Organizations: Delta, American, U.S . Shipping, U.S, Advertising, Delta Gold American, Delta SkyMiles Gold Business American, American Express Card, American Express, SkyMiles Gold Business American, Gold Business, Delta SkyMiles Gold Business, Air, KLM, Korean Air, Virgin, Delta Sky Club, Gold Business American, Amex, Delta SkyMiles Gold Business American Express, Delta Gold Business, Delta American Express, SkyMiles, Delta Sky, Delta Reserve, Delta Gold, Delta Amex Gold, Delta SkyMiles, SkyMiles Gold Business American Express, Business Locations: Delta, Air France, You'll, U.S, Caribbean, Central America

Delta Reserve Business Card OverviewAmerican Express issues seven co-branded Delta credit cards, and the Delta SkyMiles® Reserve Business American Express Card is its most premium small-business credit card. Delta Reserve Business Card Annual Fees and Other CostsThe Delta SkyMiles® Reserve Business American Express Card charges a $650 annual fee, and each additional cardholder costs $175. Delta SkyMiles® Platinum Business American Express Card vs. Delta SkyMiles® Reserve Business American Express CardThe Delta SkyMiles® Platinum Business American Express Card is a step down from the Delta SkyMiles® Reserve Business American Express Card, with a $350 annual fee and a 65,000 bonus miles after spending $6,000 in purchases on your new card in your first six months of card membership welcome bonus. Delta SkyMiles® Gold Business American Express Card vs. Delta SkyMiles® Reserve Business American Express CardThe Delta SkyMiles® Gold Business American Express Card is a great introductory business credit card card for Delta-flying business owners who want basic travel comforts, but don't want to pay a hefty annual fee for those benefits. Delta Reserve Business Card Frequently Asked QuestionsCan I earn a sign-up bonus on the Delta SkyMiles Business Reserve card?

Persons: MQD Headstart, stow, it's, Cardholders, cardholders, they're, you'll, you've, Amex, We've Organizations: Delta SkyMiles, Express, Delta Sky Club, SkyMiles, Delta, American Express, Delta Sky, Card, Delta Reserve, Lyft, American, Sky, Sky Club, Reserve, Delta Business Reserve, Business, Air France, KLM, Virgin Atlantic, Express Card, Club, Sky Clubs, JFK, Delta Sky Clubs, Delta Connection, Delta Shuttle, Delta Comfort, American Express Card, TSA, Global, Trip, Baggage, Premium, Amex, Delta American Express, Delta Gold, Delta Platinum Business, Delta Reserve Business, Delta SkyMiles Business Locations: U.S, Caribbean, American, Delta, Atlanta, Seattle, New York, Delta.com, Chevron

Delta SkyMiles® Platinum Business American Express Card Annual Fee and Other CostsThe Delta SkyMiles® Platinum Business American Express Card comes with a $350 annual fee. Delta SkyMiles® Reserve Business American Express Card vs. Delta SkyMiles® Platinum Business American Express CardThe Delta SkyMiles® Reserve Business American Express Card is Delta's top-tier business credit card, and offers airport lounge access to both Delta Sky Club lounges as well as the American Express Centurion Lounge network on qualifying flights. Delta SkyMiles® Gold Business American Express Card vs. Delta SkyMiles® Platinum Business American Express CardThe Delta SkyMiles® Gold Business American Express Card is a great business credit card for Delta-flying business owners who are willing to pay a moderate annual fee for Delta travel benefits. Delta SkyMiles® Platinum Business American Express Card Frequently Asked QuestionsHow much is the Delta Platinum Business fee? The Delta SkyMiles® Platinum Business American Express Card is a mid-tier business credit card that earns Delta SkyMiles.

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The information for the following product(s) has been collected independently by Business Insider: Hilton Honors American Express Aspire Card, Amex EveryDay® Preferred Credit Card, American Express® Green Card, The Plum Card® from American Express. Introduction to American Express Travel ProtectionOverview of Travel Protection BenefitsWhile credit card insurance and travel protection coverage are usually considered secondary to rewards programs and other cardholder perks, these benefits can be equally important if you travel. American Express cards that come with baggage insurance include:The Platinum Card® from American Express (including various versions)American Express® Gold Card (including various versions)American Express® Green Card (including various versions)(including various versions) Delta SkyMiles® Gold American Express CardDelta SkyMiles® Reserve American Express CardDelta SkyMiles® Platinum American Express CardMarriott Bonvoy Brilliant® American Express® CardHilton Honors American Express Aspire CardHilton Honors American Express Surpass® CardAmex EveryDay® Preferred Credit CardThe Plum Card® from American ExpressAmerican Express business cards with baggage insurance include:The Business Platinum Card® from American ExpressAmerican Express® Business Gold CardThe Blue Business® Plus Credit Card from American ExpressDelta SkyMiles® Gold Business American Express CardDelta SkyMiles® Reserve Business American Express CardDelta SkyMiles® Platinum Business American Express CardMarriott Bonvoy Business® American Express® CardThe Hilton Honors American Express Business CardLowe's Business Rewards Card from American ExpressAmazon Business Prime American Express CardAmazon Business American Express CardVarious versions of the Amex Centurion card and several Amex corporate cards also offer baggage insurance. American Express cards that come with secondary auto rental coverage include:The Platinum Card® from American Express (including various versions)American Express® Gold Card (including various versions)American Express® Green Card (including various versions)Delta SkyMiles® Blue American Express CardDelta SkyMiles® Gold American Express CardDelta SkyMiles® Platinum American Express CardDelta SkyMiles® Reserve American Express CardHilton Honors American Express CardHilton Honors American Express Surpass® CardHilton Honors American Express Aspire CardMarriott Bonvoy Brilliant® American Express® CardMarriott Bonvoy American Express® Card (no longer available to new applicants)Blue Cash Everyday® Card from American ExpressBlue Cash Preferred® Card from American ExpressAmex EveryDay® Preferred Credit CardAmex Everyday® Credit Card from American ExpressAnd business cards from Amex that offer secondary car rental insurance include:The Business Platinum Card® from American ExpressAmerican Express® Business Gold CardDelta SkyMiles® Gold Business American Express CardDelta SkyMiles® Platinum Business American Express CardDelta SkyMiles® Reserve Business American Express CardThe Hilton Honors American Express Business CardMarriott Bonvoy Business® American Express® CardThe Blue Business® Plus Credit Card from American ExpressWhile American Express did offer travel accident insurance on some of its cards, this coverage was effectively dropped as of January 1, 2020. Amex cards that come with trip delay coverage include:The Platinum Card® from American ExpressAmerican Express® Gold CardAmerican Express® Green CardDelta SkyMiles® Reserve American Express CardDelta SkyMiles® Platinum American Express CardMarriott Bonvoy Brilliant® American Express® CardHilton Honors American Express Aspire CardThe Business Platinum Card® from American ExpressAmerican Express® Business Gold CardDelta SkyMiles® Reserve Business American Express CardDelta SkyMiles® Platinum Business American Express CardAgain, the various versions of the Amex Platinum and Amex Centurion cards also offer trip delay insurance.

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☆ Delta shares tumble after outlook falls short of estimates despite strong summer travel demand
▼ + stars: | 2024-07-11 | by ( Leslie Josephs | ) www.cnbc.com time to read: +4 min

Delta Air Lines on Thursday forecast record revenue for the third quarter thanks to booming summer travel demand, but its forecast fell short of analysts' estimates as carriers discounted fares after expanding flights. Adjusting for one-time items, Delta reported earnings of $1.53 billion, or $2.36 a share, in line with analysts' estimates. Delta said corporate travel continues to increase and that most customers expect to maintain or grow their corporate travel spending this quarter and after. Revenue from international travel has been strong since the pandemic waned, though airlines have expanded schedules, meaning more competition for customers. In the current quarter, Delta expects to break more revenue records.

Persons: Delta, Ed Bastian, Bastian, LSEG Organizations: Delta Air Lines, Delta, U.S, LSEG, Revenue, CNBC, Air France, Rival United Airlines, American Express Locations: Atlanta, U.S, Paris, Delta

☆ Inside China's plan for AI: shape reality and enforce its power
▼ + stars: | 2024-06-03 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, we're looking at China's strict approach to overseeing its AI development and the threat it poses to the world. The country's history of censorship and surveillance is extending to its approach to AI , writes Business Insider's Linette Lopez. AdvertisementThe CCP's plan for AI is about shaping reality and enforcing its power, according to internal documents. What to do ahead of May's jobs report. Permabull Tom Lee said it's a great time to buy stocks — shocking — with a new jobs report set to drop on Friday.

Persons: —, Kiran Ridley, Stringer, Getty, Tyler Le, Insider's Linette Lopez, Linette, chatbots, Jinping, Xie Huanchi, we've, Ken Griffin's, Permabull Tom Lee, it's, Stocks, Keith Gill, It's, Amazon's, Alyssa Powell, boomer, Gen, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, George Glover, Grace Lett, Annie Smith Organizations: Service, Harvard, Business, Chinese Communist Party, of, People, Getty, Citadel Securities, BI, GameStop, Cloud, Prime, Apple, American Express, Research, Boomers Locations: China, Beijing, Xinhua, New York, London, Chicago

The role of credit bureaus in credit card applicationsCredit bureaus play a pivotal role in the credit card application process. How credit bureau information influences approval decisionsCredit bureau information plays a pivotal role when financial institutions make credit decisions. Credit bureau reporting frequently asked questionsDo all banks use the same credit bureau for credit card applications? Even though the three credit bureaus score credit slightly differently, improving your credit habits will typically raise your score across the board. Our guide to the best credit cards for pre-approval can help you identify which credit cards you're most likely to be approved for.

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Read previewAbout a year ago, I signed up for an American Express checking account. I canceled my American Express Rewards checking account just a year after opening. It came as a shock to me that it wasn't available with an Amex checking account and defeated a large purpose of opening this account. It was hard to deposit and transfer moneyAmerican Express makes it incredibly difficult to fund the Amex Rewards checking account. The APY wasn't competitiveBecause of its limited functionality, I ended up using my Amex Rewards checking account as a sort of savings account.

Persons: —, Bill Organizations: Service, Business, American, Express, American Express, Capital

☆ Delta walks back some changes to airport lounge access, loyalty program after customer complaints
▼ + stars: | 2023-10-18 | by ( Leslie Josephs | ) www.cnbc.com time to read: +1 min

Delta Air Lines on Wednesday walked back some of the broad restrictions it placed on access to its popular airport lounges and trimmed thresholds to earn elite status after complaints from customers. Delta CEO Ed Bastian said in late September that the airline went "too far" with its changes. Delta has been grappling with how to handle swarms of elite frequent flyers and high-fee credit card holders that caused long lines and crowding at the clubs. Following the Covid-19 pandemic, airlines have grappled with how to best reward frequent flyers who returned in droves after spending heavily and racking up miles on rewards cards, even when they weren't traveling. "We very much believe in never causing a situation where everyone has a premier status which obviously results in no one receiving an adequate level of premier benefits," United Airlines chief commercial officer Andrew Nocella said on an earnings call Wednesday.

Persons: Ed Bastian, what's, Delta, Andrew Nocella Organizations: Delta Air Lines, Delta, Sky Clubs, American Express, United Airlines

The objections focused on the difficulty of achieving elite status and new restrictions on entering airport lounges. In simplifying the path to status, Delta sharply raised spending requirements for each SkyMiles level. The September proposal created a backlash among Delta customers on social media, with some threatening to switch to other airlines. JetBlue and Alaska Airlines tried to poach Delta's best customers by offering to match elite status for anyone leaving the Delta loyalty program. Southwest Airlines announced that next year it will make it easier to qualify for the top levels of its frequent-flyer program.

Persons: Ed Bastian, “, what’s, Delta, ” Bastian, poach, Henry Harteveldt, ”, Bastian, Delta “ Organizations: Delta Air Lines, Delta, Diamond, JetBlue, Alaska Airlines, Southwest Airlines, Flyers, Atmosphere Research, American Express Locations: Atlanta

You can enroll in an identity theft protection service so you don't fall victim to theft. There are many companies out there that solely focus on identity protection — you can read our guide to the best identity theft protection services — but you may be able to enroll in an identity theft protection service through your credit card provider. Pros Check mark icon A check mark. Covers up to 10 children under 18 at no extra cost Check mark icon A check mark. With services comparable to some of the best identity theft protection services at a competitive price, this is an appealing option to Discover cardholders.

Persons: Capital One's CreditWise, David McMillin David McMillin, Guy, David, he's Organizations: Social, Federal Trade Commission, Research, Express, American Express, Chase, Credit, Business, Capital, Mastercard, Theft Locations: cardholders, Experian, AnnualCreditReport.com, Chicago, Alaska , Utah , Oklahoma, Vermont

The best identity theft protection service is one that meets your needs at the price you're willing to pay. Here's how we rate identity theft protection services. How we rate identity theft protection servicesIdentity theft protection services are rated on a scale from 1-5 stars, with five being the best. Some credit card companies have identity theft protection services that are only available to their cardholders, such as American Express CreditSecure. What to know about identity theft protection service ratingsOur system for rating identity theft protection services balances the price of the service with the features that the service provides.

Persons: you'll, It's, Price Organizations: Express, Costco

☆ 5 best credit cards for getting Global Entry or TSA PreCheck without a fee
▼ + stars: | 2023-06-21 | by ( Chris Dong | ) edition.cnn.com time to read: +14 min

The biggest perk is saving time, with expedited security and — in the case of Global Entry — customs lines at dozens of U.S. airports (and even a few abroad for Global Entry). TSA PreCheck Cost: The application process costs $78, and your TSA PreCheck enrollment status remains valid for five years. Global Entry Cost: The Global Entry application process includes a $100 non-refundable fee (whether you’re approved or not) and is also valid for five years. The best credit cards for Global Entry and TSA PreCheckWhen evaluating the best credit cards that cover the cost of Global Entry and TSA PreCheck, the card’s annual fee was a major factor. Why did we pick these as our best credit cards for Global Entry and TSA PreCheck?

Persons: ”, it’s, you’ll, It’s, IHG, You’ll, you’re, cardholders, Andrew Kunesh Organizations: CNN, American Express, TSA, U.S . Department of Homeland, TSA PreCheck, United, U.S, Delta, Silver, Diamond Medallion, IHG, InterContinental, Holiday, One Venture, Capital, Fort, Dulles, Capital One Venture, Getty, Venture, Sapphire, Amex, Chase Sapphire, PreCheck Locations: U.S, Canada, Delta, Dallas, Fort Worth, DFW, Washington, Denver

The host, Caleb Hammer, said they owed more than $112,000 in loans, credit cards, and car debt. The debts included six credit cards, two car loans, a hospital bill, and buy-now-pay-later spending. Discover credit card: $3,627.68. Citi credit card: $5,039.21. Hammer said he was "scared" for the couple because of their car loans, which represented around 70% of their debt.

Persons: Caleb Hammer, Hammer, Kia, Jessilyn, you've, I'm, we're, Brandon Organizations: Cherokee Overland, Apple, Citi, Capital, Cash American Express, Chase, Bank, Amazon, Apple Watch, Kia, Jeep Locations: Brandon, Springfield , Missouri, DoorDash

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In the last two years, my credit cards have saved me over $4,500 on travel — and a lot of hassle. Travel insurance offers peace of mind, but what most people don't realize is that it doesn't have to come at a cost. Here's a detailed look at how my American Express credit cards' travel insurance came to the rescue on two different occasions. Whenever you file a claim, your credit card insurance company will ask for documentation to prove your travel was nonrefundable to approve your claim.

Alyssa Powell/Business InsiderThe American Express® Green Card just got a refresh, with a record-high welcome bonus offer and improved benefits. The travel statement credit isn't as straightforward as it sounds, but it's a great deal if you can use it. Plus, if you max out the travel statement credit, you'll offset the entire annual fee (and then some) for the first year. Amex Green Card benefitsThe Amex Green Card already comes with statement credits that can help offset the annual fee, though they're not the sole reason to open the card. But there are other Amex Green card benefits that are appealing to travelers that don't require signing up for a subscription.

☆ Retailers could face cost cuts and slower sales this year
▼ + stars: | 2023-02-19 | by ( Melissa Repko | ) www.cnbc.com time to read: +4 min

Other big-name retailers will follow, including big-box players like Target and Best Buy , and mall staples like Macy's and Gap . Yet healthier profit margins could be a silver lining, as freight costs fall and retailers have less excess merchandise to mark down. That could boost profit margins, even if consumers don't spend as freely. That hurt companies' margins, as unsold merchandise wound up on the clearance rack and costs crept up, along with sales. Lululemon said its profit margins would be lower than anticipated, as the athletic apparel retailer juggles excess inventory.

There's a new reason to consider the Delta American Express cards — a 15% discount on award flights. The new "TakeOff 15" benefit is permanent, and applies to the personal and small-business versions of the Amex Delta Gold, Delta Platinum, and Delta Reserve cards. If you redeem Delta miles for Delta flights with any regularity, it might make sense to open a Delta card for this benefit. That's double the miles of the previous card bonus, which was 50,000 bonus miles and 10,000 MQMs after meeting minimum spending requirements. Review: Amex Business Delta Reserve card reviewDo you qualify for the Delta credit card bonuses?

Read our review Read Our Review A looong arrow, pointing rightIf you're considering adding a new card to your wallet, both the Amex Blue Cash Preferred and the Amex EveryDay® Preferred Credit Card are great options. The Amex Blue Cash Preferred earns cash back in the form of Reward Dollars, which can be redeemed for statement credits, while the Amex EveryDay® Preferred Credit Card earns American Express Membership Rewards points. This benefit is unique to the EveryDay Preferred card (and its sister card, the no-annual-fee Amex EveryDay® Credit Card from American Express ). Benefits and featuresBlue Cash Preferred Card benefitsThe Amex Blue Cash Preferred doesn't offer premium perks, but there are a few money-saving benefits worth mentioning. That said, the Amex EveryDay® Preferred Credit Card is great for folks who regularly use and maximize Membership Rewards points.

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