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  Gold Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

in Personal Credit Cards from American Express National Bank

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Gold Delta SkyMiles® Credit Card from American Express

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in Personal Credit Cards from American Express National Bank

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Highlights
Highlights
Annual Fee $95
Purchase APR  (Variable APR) 17.74% - 26.74%
Balance Transfer APR  (Variable APR) 17.74% - 26.74%
Credit Score Range 700 - 850

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

Does Gold Delta SkyMiles® Credit Card from American Express have a signup bonus?

Yes, Gold Delta SkyMiles® Credit Card from American Express offers card users a signup bonus worth up to $50 after spending $2000.

However, it does include a 6000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does Gold Delta SkyMiles® Credit Card from American Express offer an annual loyalty bonus?

Gold Delta SkyMiles® Credit Card from American Express doesn't offer a cash loyalty bonus.

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.

Does Gold Delta SkyMiles® Credit Card from American Express have an introductory APR offer?

No, Gold Delta SkyMiles® Credit Card from American Express does not come with an introductory APR offer for balance transfers.

Gold Delta SkyMiles® Credit Card from American Express does not offer an introductory rate on new purchases.

Gold Delta SkyMiles® Credit Card from American Express Rates & Terms
Purchase APR 17.74% - 26.74%
Balance Transfer APR 17.74% - 26.74%
Cash Advance APR 27.24%
Penalty APR 29.99%

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.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25
Over-Limit Fee $0
Paper Statement Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee First Year  
No Foreign Transaction Fee  
Returned Payment Fee $38
Annual Fee $95
Late Fee Amount $38
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $5
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Airfare
  • Every Purchase
  • Trains, Cruises, Other Travel
Bonus Rewards 2x
Every Purchase 1x
No Reward Expiration Period  
Signup Bonus $50
Signup Bonus (points) 6,000
Purchase APR (Variable APR) 17.74% - 26.74%
Cash Advance APR (Variable APR) 27.24%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 17.74% - 26.74%

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