What did 1 users say about Gold Delta SkyMiles from American Express? | September 2020

Highlights
Community Rating	Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR (Variable APR)	15.74% - 24.74%
Balance Transfer APR (Variable APR)	15.74% - 24.74%
Credit Score Range	700 - 850
Annual Fee	$99

Gold Delta SkyMiles from American Express Review

Gold Delta SkyMiles from American Express is a rewards credit card issued by American Express National Bank. If you're wondering whether Gold Delta SkyMiles from American Express is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

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. Gold Delta SkyMiles from American Express has a variable purchase APR that ranges from 15.74% up to 24.74%.
Annual fee waived the first year. Gold Delta SkyMiles from American Express gives you the chance to have the card for a year without paying the $99 annual fee.
3% Balance transfer fee. Gold Delta SkyMiles from American Express charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
$0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
Good or better credit required. You should probably try with another card if your credit score is below 700.

Gold Delta SkyMiles from American Express Pros & Cons

The Good	The Bad
Limited time bonus offers. 30,000 bonus miles and a $50 statement credit for qualifying new customers. Lower than average purchase APRs. Annual fee waived during the first year. Multiple credit card perks. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Gold Delta SkyMiles from American Express reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	High interest rates offset any benefits of this card if the balance is not paid in full each month. Effective January 30, 2020: Delta Sky Club Access will no longer be available on the Gold Delta SkyMiles Credit Card. Requires good to excellent credit. Charges an annual fee of $99 Charges a 3% balance transfer fee.

The Good

The Bad

Limited time bonus offers. 30,000 bonus miles and a $50 statement credit for qualifying new customers.
Lower than average purchase APRs.
Annual fee waived during the first year.
Multiple credit card perks.
No foreign transaction fee.
Cardholders can earn rewards on every purchase.
Earn rewards on every purchase.
Gold Delta SkyMiles from American Express reports to multiple credit bureaus.
Cardholders can earn rewards on their purchases.

High interest rates offset any benefits of this card if the balance is not paid in full each month.
Effective January 30, 2020: Delta Sky Club Access will no longer be available on the Gold Delta SkyMiles Credit Card.
Requires good to excellent credit.
Charges an annual fee of $99
Charges a 3% balance transfer fee.

Gold Delta SkyMiles from American Express FAQ

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

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

Gold Delta SkyMiles from American Express Rewards
Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	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 Gold Delta SkyMiles from American Express have a signup bonus?

Gold Delta SkyMiles from American Express 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 Gold Delta SkyMiles from American Express offer an annual loyalty bonus?

Gold Delta SkyMiles from American Express 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 Gold Delta SkyMiles from American Express benefits?

Gold Delta SkyMiles from American Express provides the following benefits:

ID Theft Protection
Reports to major credit bureaus

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Gold Delta SkyMiles from American Express has lower than average purchase APRs.

Gold Delta SkyMiles from American Express has a variable purchase APR that ranges from 15.74% up to 24.74%. The card has a variable balance transfer 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 Gold Delta SkyMiles from American Express have an introductory APR offer on balance transfers?

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

Does Gold Delta SkyMiles from American Express have an introductory APR offer on new purchases?

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

Gold Delta SkyMiles from American Express Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for Gold Delta SkyMiles from American Express?

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

There is no overlimit fee

Gold Delta SkyMiles from American Express 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 Gold Delta SkyMiles from American Express have a foreign transaction fee?

Gold Delta SkyMiles 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.

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

Gold Delta SkyMiles from American Express 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 can help improve your credit.

How to apply for Gold Delta SkyMiles from American Express

Visit the Gold Delta SkyMiles from American Express 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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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.

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Availability

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
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New York
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Ohio
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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

Gold Delta SkyMiles from American Express Community Reviews

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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	1099 Misc. Income Cash Direct Deposit (W2, SSA, SSDI) Payroll Check or Prepaid Card
Military Status	Active Duty Military Military Dependent Non-Military Veterans
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	700 - 850 850 300 700

Bonus Rewards	Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 10,000 bonus miles after your first anniversary of Card Membership.
Annual Loyalty Bonus (points)	10,000
Annual Loyalty Bonus Spend Requirement	$99
No Reward Expiration Period
Rewards Categories	Airfare Every Purchase Travel
Signup Bonus (points)	60,000
Rewards Type	Miles

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Gold Delta SkyMiles from American Express

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