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ClaimedDelta SkyMiles Gold American Express Card
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| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) | 15.74% - 24.74% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 700 - 850 |
| Annual Fee | $99 |
| Number of Reviews | 11 |
Delta SkyMiles Gold American Express Card Review
This is a cashback credit card issued by American Express National Bank. If you're wondering whether Delta SkyMiles card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Signup bonus. Offers a signup bonus of 70000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Delta SkyMiles Gold American Express Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
- Annual fee waived the first year. Delta SkyMiles Gold American Express 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 will have low approval odds if your credit score is below 700.
| The Good | The Bad |
|---|---|
|
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Does Delta SkyMiles card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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.
| Minimum rewards rate | 1x |
| Max rewards rate | 2x |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 70000 |
| Signup Bonus Spend Requirement | $2000 |
| Signup Bonus Spend Period (months) | 3 months |
| Annual Loyalty Bonus | $100 |
| Annual Loyalty Bonus Spend Requirement | $10000 |
Does Delta SkyMiles card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 70000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.Does Delta SkyMiles card offer an annual loyalty bonus?
Yes, it offers cardholders an annual bonus worth up to $100 after spending $10000.
What are the Delta SkyMiles card benefits?
It 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 Delta SkyMiles card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Delta SkyMiles Gold American Express 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.
Does Delta SkyMiles card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Delta SkyMiles card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Delta SkyMiles card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $99 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does Delta SkyMiles card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Delta SkyMiles card?
The support contact email for Delta SkyMiles card is info@americanexpress.com.
How do people rate the customer service and user experience of Delta SkyMiles card?
Overall, Delta SkyMiles card is strongly recommended based on community reviews that rate customer service and user experience.
Does Delta SkyMiles Gold American Express Card report your account activity to credit bureaus?
Yes, Delta SkyMiles Gold American Express 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 Delta SkyMiles card
- Visit the Delta SkyMiles 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.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
- Email Support
Other Services by American Express National Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Annual Fee First Year | |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Paper Statement Fee | $0 |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $99 |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
Delta SkyMiles Gold American Express Card Community Reviews
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