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  Delta SkyMiles Gold American Express Card

Delta SkyMiles Gold American Express Card

in Personal Credit Cards from American Express National Bank

Claimed

Delta SkyMiles Gold American Express Card

Claimed

in Personal Credit Cards from American Express National Bank

SuperMoney Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

5 users recommend
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0 users don't recommend
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Highlights
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 5

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.

Key Takeaways
  • 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.
Pros & Cons of Delta SkyMiles card
The Good The Bad
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Delta SkyMiles Gold American Express Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $99
Delta SkyMiles card FAQ

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.

Delta SkyMiles card Rewards
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. It has lower than average regular APRs.

It 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
Delta SkyMiles card Fees
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 customer service phone number for Delta SkyMiles card?

The Delta SkyMiles card customer service number is (800) 528-4800.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Annual Loyalty Bonus $100
Annual Loyalty Bonus Spend Requirement $10,000
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 2x Miles on Airfare
  • 2x Miles on Groceries
  • 2x Miles on Restaurants
  • 1x Mile on Every Purchase
Signup Bonus (points) 70,000
Cash Advance APR (Variable APR) 25.24%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 15.74% - 24.74%
Card Type
  • Rewards
  • Cashback
  • Airline
  • Bonus Offers
Card Network American Express

Delta SkyMiles Gold American Express Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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