Amex NB Delta SkyMiles® Blue Credit Card

Amex NB Delta SkyMiles® Blue Credit Card Review

This is a cashback card issued by American Express National Bank. If you're wondering whether Amex NB Delta SkyMiles® Blue Credit Card is the right card for you, read on.

Key Takeaways

• Earn 10,000 bonus miles after you spend $500 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Amex NB 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.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Amex NB Delta SkyMiles® Blue Credit Card

Amex NB Delta SkyMiles® Blue Credit Card FAQ

Does Amex NB 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.

What are the Amex NB 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 Amex NB Delta SkyMiles® Blue Credit Card?

Amex NB Delta SkyMiles® Blue Credit Card has a variable purchase APR that ranges from 18.74% up to 27.74%. The card has a variable balance transfer APR of 0% . It also has a variable cash advance APR of 28.24% . 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 Amex NB Delta SkyMiles® Blue Credit Card?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Amex NB Delta SkyMiles® Blue Credit Card report your account activity to credit bureaus?

Yes, Amex NB 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 Amex NB Delta SkyMiles® Blue Credit Card

• Visit the Amex NB 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.