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  National Bank Delta SkyMiles® Credit Card
National Bank Delta SkyMiles® Credit Card Claimed

National Bank Delta SkyMiles® Credit Card

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Highlights
Purchase APR  (Variable APR) 15.74% - 24.75%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A
Annual Fee $550

National Bank Delta SkyMiles® Credit Card Review

This is a cashback credit card issued by American Express National Bank. If you're wondering whether National Bank Delta SkyMiles® Credit 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 $10 if you spend $3,000 within 3 months.
  • Signup bonus. Offers a signup bonus of 40,000 points after spending $3 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. National Bank Delta SkyMiles® Credit Card has a variable purchase APR that ranges from 15.74% up to 24.75%.
  • 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, access to a concierge, identity theft protection, purchase protection, trip cancellation insurance, and fraud protection.
Pros & Cons of National Bank Delta SkyMiles® Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere National Bank Delta SkyMiles® Credit Card is accepted.
  • National Bank Delta SkyMiles® Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $550
National Bank Delta SkyMiles® Credit Card FAQ

Does National Bank Delta SkyMiles® Credit 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.

National Bank Delta SkyMiles® Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus ($) Up to $40
Signup Bonus (Points/Miles) 40,000
Signup Bonus Spend Requirement $3,000
Signup Bonus Spend Period (months) 3 months

Does National Bank Delta SkyMiles® Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $10,000 after spending $3,000. However, it does include a 40,000 points signup bonus after spending $3,000 that can be redeemed for travel, gifts, or other perks.

Does National Bank Delta SkyMiles® Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the National Bank Delta SkyMiles® Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for National Bank Delta SkyMiles® Credit 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. This card has lower than average regular APRs.

National Bank Delta SkyMiles® Credit Card has a variable purchase APR that ranges from 15.74% up to 24.75%. 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 National Bank Delta SkyMiles® Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does National Bank Delta SkyMiles® Credit 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 National Bank Delta SkyMiles® Credit Card?

The following fees apply:

  • There is no overlimit fee
National Bank Delta SkyMiles® Credit Card Fees
Fees Amount
Annual Fee $550
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does National Bank Delta SkyMiles® Credit 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 support contact email for National Bank Delta SkyMiles® Credit Card?

The support contact email for National Bank Delta SkyMiles® Credit Card is info@americanexpress.com.

How do people rate the customer service and user experience of National Bank Delta SkyMiles® Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does National Bank Delta SkyMiles® Credit Card report your account activity to credit bureaus?

Yes, National Bank 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 National Bank Delta SkyMiles® Credit Card

  • Visit the National Bank 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.

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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.

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.
  • 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

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Up to $10
Annual Fee $550
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Trip Cancellation Insurance
No Blackout Dates
Rewards Categories
  • Every Purchase
  • Travel
Signup Bonus (points) 40
Signup Bonus $10 - $40
Cash Advance APR (Variable APR) 25.24%
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 15.74% - 24.75%
Card Type
  • Rewards
  • Cashback
  • Travel
  • Airline
Card Network American Express

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