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  Blue Delta SkyMiles

Blue Delta SkyMiles

in Personal Credit Cards from American Express National Bank

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Blue Delta SkyMiles

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in Personal Credit Cards from American Express National Bank

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

Blue Delta SkyMiles Review

Blue Delta SkyMiles is a rewards credit card issued by American Express National Bank. 

This card is for people with very good credit. You need a credit score of at least 750 to apply. If you're wondering whether Blue Delta SkyMiles is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Blue Delta SkyMiles
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Earn rewards on every purchase.
  • Blue Delta SkyMiles reports to multiple credit bureaus.
  • 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.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 2.7%.
  • 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.
  • Is there a Blue Delta SkyMiles cash back or rewards program?

    Blue Delta SkyMiles offers a rewards program to its customers.

    Blue Delta SkyMiles Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 2%
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus (Points/Miles) 10000
    Signup Bonus Spend Requirement $500
    Signup Bonus Spend Period (months) 3 months

    Does Blue Delta SkyMiles have a signup bonus?

    Blue Delta SkyMiles 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 Blue Delta SkyMiles offer an annual loyalty bonus?

    Blue Delta SkyMiles doesn't offer a cash loyalty bonus.

    What are the Blue Delta SkyMiles benefits?

    Blue Delta SkyMiles 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 Blue Delta SkyMiles?

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

    Blue Delta SkyMiles has a variable purchase APR that ranges from 17.24% up to 26.24%. 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 26.74% . 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.

    Does Blue Delta SkyMiles have an introductory APR offer?

    No, Blue Delta SkyMiles does not come with an introductory APR offer for balance transfers. Blue Delta SkyMiles does not offer an introductory rate on new purchases.
    Blue Delta SkyMiles Balance Transfers
    Description
    Balance Transfer APR 17.24% - 26.24%
    Introductory Rate N/A
    Intro APR period (months) N/A
    Blue Delta SkyMiles Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 17.24% - 26.24%
    Credit Limit N/A
    Penalty APR 29.99%
    Cash Advance APR 26.74%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Blue Delta SkyMiles fees?

    The following fees apply to Blue Delta SkyMiles:

    • There is no overlimit fee
    Blue Delta SkyMiles Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 2.7%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee up to $39
    Late Payment Fee up to $39

    Does Blue Delta SkyMiles have a foreign transaction fee?

    Blue Delta SkyMiles charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

    Does Blue Delta SkyMiles report your account activity to credit bureaus?

    Blue Delta SkyMiles 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 score.

    How to apply for Blue Delta SkyMiles

    • Visit the Blue Delta SkyMiles 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.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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
    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) Starting at 5%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 2.7%
    Late Fee Amount Up to $39
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • American Express
    Card Type
    • Airline
    • Balance Transfer
    • Bonus Offers
    • Rewards
    • Travel
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Purchase Protection
    • Travel Accident Insurance
    • Travel Assistance
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Bonus Rewards Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
    No Blackout Dates  
    Rewards Categories
    • Airfare
    • Every Purchase
    • Restaurants
    Signup Bonus (points) 10,000
    Cash Advance APR (Variable APR) 26.74%
    Purchase APR (Variable APR) 17.24% - 26.24%
    Balance Computation average daily balance (including new purchases)
    Penalty APR 29.99%
    Balance Transfer APR (Variable APR) 17.24% - 26.24%

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