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  AMEX National Bank Delta SkyMiles Credit Card

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AMEX National Bank Delta SkyMiles Credit Card Claimed

AMEX National Bank Delta SkyMiles Credit Card

Claimed
Net Recommendation Score +67  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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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
  • Potentially lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere AMEX National Bank Delta SkyMiles Credit Card is accepted.
  • AMEX National Bank Delta SkyMiles Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $95

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 card does not offer an introductory rate on new purchases.

Delta Gold business card Rates & Terms
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.

Delta Gold business card Fees
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 or 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.

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.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Delta Gold business card

$0 Introductory Annual Fee For The First Year, Then $99. APR on purchases will be a variable rate, 15.74% - 24.74%, based on your creditworthiness and other factors as determined at the time of account opening. Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. for every eligible dollar you spend on purchases. As a benefit of Card Membership, you can check your first bag free on Delta flights booked with your Card. You can save up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight. Get a head-start on your next adventure, compliments of your Card. After you spend $10,000 in purchases on your Card in a calendar year, you will receive a $100 Delta Flight Credit towards your next trip. Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com. Enjoy travel without foreign transaction fees from American Express with your Delta Skymiles Gold Business American Express Card.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all business credit cards offered 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
Customer Type Business
Minimum Age 18
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Earn 70,000 bonus miles and $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months.
No Blackout Dates
Rewards Rates
  • Travel
  • Airfare
  • Car Rentals
  • Hotels
  • Every Purchase
Signup Bonus (points) 70,000
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 25.24%
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 15.74% - 24.74%
Balance Transfer APR (Variable APR) 15.74% - 24.74%
Card Network American Express
Card Type
  • Rewards
  • Travel

AMEX National Bank Delta SkyMiles Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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