Gold Delta SkyMiles from American Express Review

Gold Delta SkyMiles from American Express is a rewards credit card issued by American Express National Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Gold Delta SkyMiles from American Express

The Good

The Bad

Multiple credit card perks. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Includes emergency support. Extended warranty protection on purchases. Purchase Protection. Travel Accident Insurance. Travel Assistance. No foreign transaction fee. Earn rewards on every purchase. Gold Delta SkyMiles from American Express reports to multiple credit bureaus. Limited time bonus offers. 60,000 bonus miles and a $50 statement credit for qualifying new customers. No annual fee for the first year.

Higher than average purchase APRs. Charges an annual fee of $95. High interest rates offset any benefits of this card if the balance is not paid in full each month.

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)	60000
Signup Bonus Spend Requirement	$2000

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 17.49% up to 26.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 26.49%. It also has a variable cash advance APR of 26.99% . 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.

Gold Delta SkyMiles from American Express Balance Transfers

Description
Balance Transfer APR	17.49% - 26.49%
Introductory Rate	N/A
Intro APR period (months)	N/A

Gold Delta SkyMiles from American Express Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	17.49% - 26.49%
Credit Limit	N/A
Penalty APR	29.99%
Cash Advance APR	26.99%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

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	$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.