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.

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.
• 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.

Blue Delta SkyMiles Pros and Cons:

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. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Blue Delta SkyMiles reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

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

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.

What are the fees for Blue Delta SkyMiles?

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%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

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.