
American Express® National Bank Gold Delta SkyMiles® Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedAmerican Express® National Bank Gold Delta SkyMiles® Credit Card
in Personal Credit Cards from American Express National Bank
Would you recommend American Express® National Bank Gold Delta SkyMiles® Credit Card to your friends?
Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 15.74% - 24.74% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 700 - 850 |
Annual Fee | $99 |
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.
The Good | The Bad |
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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.
Minimum rewards rate | 1x |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus (Points/Miles) | 60000 |
Signup Bonus Spend Requirement | $2000 |
Signup Bonus Spend Period (months) | 3 months |
Annual Loyalty Bonus (Points/Miles) | 10000 |
Annual Loyalty Bonus Spend Requirement | $99 |
Does American Express® National Bank Gold Delta SkyMiles® Credit Card have a signup bonus?
American Express® National Bank Gold Delta SkyMiles® Credit Card doesn't offer a cash signup bonus. However, it does include a 60000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.Does American Express® National Bank Gold Delta SkyMiles® Credit Card offer an annual loyalty bonus?
American Express® National Bank Gold Delta SkyMiles® Credit Card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 10000 points after spending $99 that can be redeemed for travel, gifts, and other perks.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?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Express® National Bank Gold Delta SkyMiles® Credit Card has lower than average purchase APRs.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.
Does American Express® National Bank Gold Delta SkyMiles® Credit Card have an introductory APR offer on balance transfers?
No, American Express® National Bank Gold Delta SkyMiles® Credit Card does not come with an introductory APR offer for balance transfers.Does American Express® National Bank Gold Delta SkyMiles® Credit Card have an introductory APR offer on new purchases?
American Express® National Bank Gold Delta SkyMiles® Credit Card does not offer an introductory rate on new purchases.Description |
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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
Fees | Amount |
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Annual Fee | $99 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does American Express® National Bank Gold Delta SkyMiles® Credit Card have a foreign transaction fee?
American Express® National Bank Gold Delta SkyMiles® Credit Card 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.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.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
Other Services by American Express National Bank

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
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- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Entertainment (Points) | 1 |
Airfare (Points) | 2 |
Every Purchase (Points) | Earn 2 miles per dollar spent when you use your Card for purchases made directly with Delta. Earn 1 mile per dollar for purchases you make with your Card — from everyday purchases |
American Express® National Bank Gold Delta SkyMiles® Credit Card Community Reviews
Would you recommend American Express® National Bank Gold Delta SkyMiles® Credit Card to your friends?
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