Gold Delta SkyMiles® Credit Card from American Express Review

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

Good credit. 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® Credit Card from American Express is the right card for you, read on. This is everything you need to know to make a good choice.

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

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

This card features rewards for purchases in the following categories:

• Airfare
• Every Purchase
• Trains, Cruises, Other Travel

Gold Delta SkyMiles® Credit Card 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)	6000
Signup Bonus Spend Requirement	$2000

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

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

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

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

Gold Delta SkyMiles® Credit Card from American Express has a variable purchase APR that ranges from 17.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 17.74% up to 26.74%.

It also has a variable cash advance APR of 27.24% . 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® Credit Card from American Express fees?

$95 Annual Fee. Gold Delta SkyMiles® Credit Card from American Express charges an annual fee of $95. However, American Express National Bank will waive the annual fee for the first year. No foreign transaction fee. Gold Delta SkyMiles® Credit Card from American Express 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.

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

Gold Delta SkyMiles® Credit Card from American Express Fees

Fees	Amount
Annual Fee	$95
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$38
Late Payment Fee	$38

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

Gold Delta SkyMiles® Credit Card from American Express reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Gold Delta SkyMiles® Credit Card from American Express

• Visit the American Express National Bank website.
• 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.