American Express® National Bank Delta SkyMiles® Blue Credit Card Review

This is a cashback credit card issued by American Express National Bank. If you're wondering whether American Express® National Bank Delta SkyMiles® Blue 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.

• Signup bonus. Offers a signup bonus of 10000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. American Express® National Bank Delta SkyMiles® Blue Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. American Express® National Bank Delta SkyMiles® Blue Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• 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, purchase protection, travel accident insurance, travel assistance, and fraud protection.
• Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.

The Good

The Bad

Receive a 20% savings in the form of a statement credit when charging eligible Delta in-flight purchases No annual fee Hotel price matching. This means that after booking on the American Express travel site, if you find a lower price somewhere else for identical booking, you will be reimbursed for the difference. Lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. American Express® National Bank Delta SkyMiles® Blue Credit Card reports to multiple credit bureaus.

This card imposes a foreign transaction fee. There are many travel rewards cards that do not. Low on airline perks like free checked bags and companion tickets. Requires good to excellent credit. Charges a 3% balance transfer fee.

Does American Express® National Bank Delta SkyMiles® Blue 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.

American Express® National Bank Delta SkyMiles® Blue Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	2x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	10000
Signup Bonus Spend Requirement	$500
Signup Bonus Spend Period (months)	3 months

What are the American Express® National Bank Delta SkyMiles® Blue Credit 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 American Express® National Bank Delta SkyMiles® Blue 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. It has lower than average regular APRs.

It 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 17.24% up to 26.24%. 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.

What are the fees for American Express® National Bank Delta SkyMiles® Blue Credit Card?

The following fees apply:

• There is no overlimit fee

American Express® National Bank Delta SkyMiles® Blue Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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

Yes, American Express® National Bank Delta SkyMiles® Blue 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 American Express® National Bank Delta SkyMiles® Blue Credit Card

• Visit the American Express® National Bank Delta SkyMiles® Blue 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.