AMEX National Bank Delta SkyMiles Credit Card
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 15.74% - 24.74% |
| Balance Transfer APR (Variable APR) | 15.74% - 24.74% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $95 |
AMEX National Bank Delta SkyMiles Credit Card Review
Key Takeaways
- Signup bonus. Offers a signup bonus of 70000 points after spending $2,000 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. AMEX National Bank Delta SkyMiles Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
- Annual fee waived the first year. AMEX National Bank Delta SkyMiles Credit Card gives you the chance to have the card for a year without paying the $95 annual fee.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Delta Gold business card
| The Good | The Bad |
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Delta Gold business card FAQ
Who is Delta Gold business card designed for?
This is a credit card issued by American Express National Bank.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 640.
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 15.74% up to 24.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 24.74%.
It also has a variable cash advance APR of 25.24%. Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business credit card does not offer an introductory rate on new purchases.| Purchase APR | 15.74% - 24.74% |
| Balance Transfer APR | 15.74% - 24.74% |
| Cash Advance APR | 25.24% |
| Penalty APR | 29.24% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95.
- A late payment penalty of up to $39.
- A returned payment fee of up to $39.
- There is no overlimit fee
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $39 |
| Late Payment Fee | up to $39 |
Does it offer a cash back rewards program?
Yes, Delta Gold business card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Airfare
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
However, it does include a 70000 points signup bonus after you spend $2000 that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (800) 528-4800.
What is the support contact email?
The support contact email for this business credit card is info@americanexpress.com.
How do people rate the customer service and user experience?
Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.
Does AMEX National Bank Delta SkyMiles Credit Card report your account activity to credit bureaus?
Yes, AMEX National Bank Delta SkyMiles Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the American Express National Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From American Express National Bank
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 USA - (800) 528-4800
- Visit Site
- Email Support
Other Services by American Express National Bank
Feature Breakdown
| Annual Fee | $95 |
| Cash Advance Fee (%) | Up to 3% |
| Cash Advance Fee Minimum | $5 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | Up to $39 |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | $0 |
| Returned Payment Fee | $39 |
AMEX National Bank Delta SkyMiles Credit Card Community Reviews
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