American Express® National Bank Gold Delta SkyMiles® Credit Card Review

American Express® National Bank Gold Delta SkyMiles® Credit Card is a cashback credit card issued by American Express National Bank. If you're wondering whether American Express® National Bank Gold Delta SkyMiles® Credit Card 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 60000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. American Express® National Bank Gold Delta SkyMiles® Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
• Annual fee waived the first year. American Express® National Bank Gold Delta SkyMiles® Credit Card gives you the chance to have the card for a year without paying the $99 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 credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, 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.

Is there a American Express® National Bank Gold Delta SkyMiles® Credit Card cash back or rewards program?

American Express® National Bank Gold Delta SkyMiles® Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With American Express® National Bank Gold Delta SkyMiles® Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.

What are the American Express® National Bank Gold Delta SkyMiles® Credit Card benefits?

American Express® National Bank Gold Delta SkyMiles® Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for American Express® National Bank Gold Delta SkyMiles® Credit Card?

American Express® National Bank Gold Delta SkyMiles® Credit Card has a variable purchase 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.

What are the fees for American Express® National Bank Gold Delta SkyMiles® Credit Card?

The following fees apply to American Express® National Bank Gold Delta SkyMiles® Credit Card:

• There is no overlimit fee

Does American Express® National Bank Gold Delta SkyMiles® Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Gold 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 for American Express® National Bank Gold Delta SkyMiles® Credit Card

• Visit the American Express® National Bank Gold Delta SkyMiles® Credit Card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.