Delta SkyMiles Gold American Express Card

Delta SkyMiles Gold American Express Card Review

This is a cashback card issued by American Express National Bank. If you're wondering whether Delta SkyMiles card is the right card for you, read on.

Key Takeaways

• Earn 40,000 bonus miles after you spend $1,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
• 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 670.

Pros & Cons of Delta SkyMiles card

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.

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?

Delta SkyMiles Gold American Express Card has a variable purchase APR that ranges from 18.74% up to 27.74%. It also has a variable cash advance APR of 28.24% . 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 fees for Delta SkyMiles card?

The following fees apply:

• There is no overlimit fee

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.