
American Express® National Bank Delta SkyMiles® Blue Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedAmerican Express® National Bank Delta SkyMiles® Blue Credit Card
in Personal Credit Cards from American Express National Bank
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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
American Express® National Bank Delta SkyMiles® Blue Credit Card 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 is everything you need to know 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 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.
- 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 qualify.
The Good | The Bad |
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Is there a American Express® National Bank Delta SkyMiles® Blue Credit Card cash back or rewards program?
American Express® National Bank Delta SkyMiles® Blue Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With American Express® National Bank Delta SkyMiles® Blue Credit Card you receive 1% cash back on every 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.
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?
American Express® National Bank Delta SkyMiles® Blue Credit 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?
American Express® National Bank Delta SkyMiles® Blue Credit Card doesn't offer a cash loyalty bonus.What are the American Express® National Bank Delta SkyMiles® Blue Credit Card benefits?
American Express® National Bank Delta SkyMiles® Blue Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Express® National Bank Delta SkyMiles® Blue Credit Card has lower than average purchase APRs.American Express® National Bank Delta SkyMiles® Blue Credit Card 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 introductory APR offer on balance transfers?
No, American Express® National Bank Delta SkyMiles® Blue Credit Card does not come with an introductory APR offer for balance transfers.Does American Express® National Bank Delta SkyMiles® Blue Credit Card have an introductory APR offer on new purchases?
American Express® National Bank Delta SkyMiles® Blue Credit Card does not offer an introductory rate on new purchases.Description |
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What are the fees for American Express® National Bank Delta SkyMiles® Blue Credit Card?
The following fees apply to American Express® National Bank Delta SkyMiles® Blue Credit Card:
- There is no overlimit fee
Fees | Amount |
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Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does American Express® National Bank Delta SkyMiles® Blue Credit Card have a foreign transaction fee?
American Express® National Bank Delta SkyMiles® Blue Credit Card 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 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.
Contact
- Headquarters
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World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
Other Services by American Express National Bank

Availability
- Alabama
- Alaska
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- California
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- Connecticut
- Delaware
- Washington, DC
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- Hawaii
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- Illinois
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- Texas
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- West Virginia
- Wisconsin
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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 |
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