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  American Express® National Bank Delta SkyMiles® Blue Credit Card

American Express® National Bank Delta SkyMiles® Blue Credit Card

in Personal Credit Cards from American Express National Bank

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American Express® National Bank Delta SkyMiles® Blue Credit Card

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Highlights
Purchase APR  (Variable APR) 15.74% - 24.74%
Balance Transfer APR  (Variable APR) 17.24% - 26.24%
Credit Score Range 750 - 850
Annual Fee $0

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.

Key Takeaways
  • 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.
Pros & Cons of American Express® National Bank Delta SkyMiles® Blue Credit Card
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.
American Express® National Bank Delta SkyMiles® Blue Credit Card FAQ

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

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

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

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

This card doesn't offer a cash loyalty bonus.

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.

Does American Express® National Bank Delta SkyMiles® Blue Credit Card have an intro APR offer on balance transfers?

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

Does American Express® National Bank Delta SkyMiles® Blue 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 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 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 American Express® National Bank Delta SkyMiles® Blue Credit Card?

The American Express® National Bank Delta SkyMiles® Blue Credit Card customer service number is (800) 528-4800.

What is the support contact email for American Express® National Bank Delta SkyMiles® Blue Credit Card?

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

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.

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.

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

Airfare (Points) 2
Every Purchase (Points) Earn 2 miles at U.S. Restaurants. Earn 2 miles on Delta purchases. Earn 1 mile per dollar on all other eligible purchases
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
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 Score Range 750 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
No Blackout Dates
Rewards Categories
  • 2x Miles on Airfare
  • 2x Miles on Restaurants
  • 1x Mile on Every Purchase
Signup Bonus (points) 10,000
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%
Balance Transfer APR (Variable APR) 17.24% - 26.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Travel
  • Airline
  • Bonus Offers
Card Network American Express

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