
National Bank Delta SkyMiles Credit Card
Explore a similar product
Try this top product in Personal Credit Cards.
Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 15.74% - 24.74% |
Balance Transfer APR (Variable APR) | 15.74% - 24.74% |
Credit Score Range | 700 - 850 |
Annual Fee | $250 |
National Bank Delta SkyMiles Credit Card Review
This is a rewards credit card issued by American Express National Bank. If you're wondering whether National Bank Delta SkyMiles Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Signup bonus. Offers a signup bonus of $100 if you spend $2000 within 3 months.
- Signup bonus. Offers a signup bonus of 40000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. National Bank Delta SkyMiles Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
- 3% Balance transfer fee. National Bank Delta SkyMiles 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 $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Accepts cosigners. American Express National Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
The Good | The Bad |
---|---|
|
|
Does National Bank Delta SkyMiles Credit Card have a cash back or rewards program?
National Bank Delta SkyMiles Credit Card is a travel rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus ($) | $100 |
Signup Bonus (Points/Miles) | 40000 |
Signup Bonus Spend Requirement | $2000 |
Signup Bonus Spend Period (months) | 3 months |
Does National Bank Delta SkyMiles Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 after spending $2000. However, it does include a 40000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.
Does National Bank Delta SkyMiles Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the National Bank Delta SkyMiles 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 National Bank Delta SkyMiles Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.National Bank Delta SkyMiles 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 15.74% up to 24.74%. 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 National Bank Delta SkyMiles Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does National Bank Delta SkyMiles Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for National Bank Delta SkyMiles Credit Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $250 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does National Bank Delta SkyMiles Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for National Bank Delta SkyMiles Credit Card?
The National Bank Delta SkyMiles Credit Card customer service number is (800) 323-2323.
What is the support contact email for National Bank Delta SkyMiles Credit Card?
The support contact email for National Bank Delta SkyMiles Credit Card is info@americanexpress.com.
How do people rate the customer service and user experience of National Bank Delta SkyMiles Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does National Bank Delta SkyMiles Credit Card report your account activity to credit bureaus?
Yes, National Bank Delta SkyMiles 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 National Bank Delta SkyMiles Credit Card
- Visit the National Bank Delta SkyMiles 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
-
World Financial Center
200 Vesey Street
New York, NY 10285 - (800) 323-2323
- Visit Site
- Email Support
Other Services by American Express National Bank
Availability
- 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
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
Minimum Interest Charge | $0 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Annual Fee | $250 |
Returned Payment Fee | Up to $40 |
Late Fee Amount | Up to $40 |
National Bank Delta SkyMiles Credit Card Community Reviews
Would you recommend National Bank Delta SkyMiles Credit Card to your friends?
American Express National Bank Personal Credit Cards
- AEELA Regular MasterCard
- Affinity Federal Credit Union Secured Visa Credit Card
- Alaska Airlines Visa Signature® Card
- AltaOne Federal Credit Union Visa Platinum Credit Card
- BBVA Select Credit Card
- Cencap Federal Credit Union Visa Platinum Credit Card
- First Security Bank of Bozeman Platinum Edition Visa
- Harvard University Employees CU Platinum Credit Card
- M&T Bank Visa Credit Card
- Oregon State Credit Union Teen Visa Credit Card
- People First Federal CU Visa Credit Card
- QVC Credit Card