Gold Delta SkyMiles from American Express Review

Gold Delta SkyMiles from American Express is a rewards credit card issued by American Express National Bank. If you're wondering whether Gold Delta SkyMiles from American Express is the right card for you, read on. This is everything you need to know to make a good choice.

• Signup bonus. Offers a signup bonus of $50 if you spend $1000 within 3 months.
• Signup bonus. Offers a signup bonus of 30000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 26.24%.
• Annual fee waived the first year. Gold Delta SkyMiles from American Express gives you the chance to have the card for a year without paying the $95 annual fee.
• 3% Balance transfer fee. Gold Delta SkyMiles from American Express charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Multiple 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, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

The Good

The Bad

Limited time bonus offers. 30,000 bonus miles and a $50 statement credit for qualifying new customers. Annual fee waived during the first year. Multiple credit card perks. No foreign transaction fee. Earn rewards on every purchase. Gold Delta SkyMiles from American Express reports to multiple credit bureaus. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance.

High interest rates offset any benefits of this card if the balance is not paid in full each month. Effective January 30, 2020: Delta Sky Club Access will no longer be available on the Gold Delta SkyMiles Credit Card. Higher than average purchase APRs. Requires good to excellent credit. Charges an annual fee of up to $95. Charges a 3% balance transfer fee

Is there a Gold Delta SkyMiles from American Express cash back or rewards program?

Gold Delta SkyMiles from American Express offers a rewards program to its customers.

Gold Delta SkyMiles from American Express Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	$50
Signup Bonus (Points/Miles)	30000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the Gold Delta SkyMiles from American Express benefits?

Gold Delta SkyMiles from American Express provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Gold Delta SkyMiles from American Express?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Gold Delta SkyMiles from American Express has higher than average purchase APRs.

Gold Delta SkyMiles from American Express has a variable purchase APR that ranges from 17.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 26.24%. It also has a variable cash advance APR of 26.74% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the Gold Delta SkyMiles from American Express fees?

The following fees apply to Gold Delta SkyMiles from American Express:

• There is no overlimit fee

Gold Delta SkyMiles from American Express Fees

Fees	Amount
Annual Fee	up to $95
Overlimit Fee	$0
Foreign Transaction Fee	0%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does Gold Delta SkyMiles from American Express report your account activity to credit bureaus?

Gold Delta SkyMiles from American Express 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 can help improve your credit score.

How to apply for Gold Delta SkyMiles from American Express

• Visit the Gold Delta SkyMiles from American Express website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• 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.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.