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

Blue Delta SkyMiles Review

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

  • 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.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 26.24%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Blue Delta SkyMiles 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
  • 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
  • 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.
  • No annual fee.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Blue Delta SkyMiles reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • 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.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 2.7%.
  • Charges a 3% balance transfer fee

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 on balance transfers??

No, Blue Delta SkyMiles does not come with an introductory APR offer for balance transfers.

Does Blue Delta SkyMiles have an introductory APR offer on new purchases??

Blue Delta SkyMiles does not offer an introductory rate on new purchases.

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 up to $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
No Annual 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%
Foreign Currency Transaction Fee 2.7%
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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
Card Type
  • Airline
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
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
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%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.24% - 26.24%
Balance Transfer APR (Variable APR) 17.24% - 26.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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