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  Platinum Delta SkyMiles Credit Card

Platinum Delta SkyMiles Credit Card

in Personal Credit Cards from American Express® National Bank

Unaffiliated

Platinum Delta SkyMiles Credit Card

Unaffiliated

in Personal Credit Cards from American Express® National Bank

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Strongly not recommended

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Highlights
Highlights
Community Rating Strongly not recommended
Annual Fee $195
Purchase APR (Variable APR) 17.24% - 26.24%
Balance Transfer APR (Variable APR) 17.24% - 26.24%
Credit Score Range 700 - 850

Platinum Delta SkyMiles Credit Card Review

Platinum Delta SkyMiles Credit Card is a rewards credit card issued by American Express® National Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

If you're wondering whether Platinum Delta SkyMiles Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Platinum Delta SkyMiles Credit Card cash back or rewards program?

Platinum Delta SkyMiles Credit Card offers a rewards program to its customers.

Platinum Delta SkyMiles Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) $100
Signup Bonus (Points/Miles) 35000
Signup Bonus Spend Requirement $1000
Annual Loyalty Bonus (Points/Miles) 10000
Annual Loyalty Bonus Spend Requirement $25000

Does Platinum Delta SkyMiles Credit Card have a signup bonus?

Yes, Platinum Delta SkyMiles Credit Card offers card users a signup bonus worth up to $100 after spending $1000. However, it does include a 35000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Platinum Delta SkyMiles Credit Card offer an annual loyalty bonus?

Platinum Delta SkyMiles Credit Card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 10000 points after spending $25000 that can be redeemed for travel, gifts, and other perks.

What are the Platinum Delta SkyMiles Credit Card benefits?

Platinum Delta SkyMiles Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Platinum Delta SkyMiles Credit Card?

Platinum Delta SkyMiles Credit Card 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 starting at 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 Platinum Delta SkyMiles Credit Card have an introductory APR offer?

No, Platinum Delta SkyMiles Credit Card does not come with an introductory APR offer for balance transfers. Platinum Delta SkyMiles Credit Card does not offer an introductory rate on new purchases.
Platinum Delta SkyMiles Credit Card Rates & Terms
Purchase APR 17.24% - 26.24%
Balance Transfer APR 17.24% - 26.24%
Cash Advance APR Starting at 26.74%
Penalty APR 29.99%

What are the Platinum Delta SkyMiles Credit Card fees?

$195 Annual Fee. Platinum Delta SkyMiles Credit Card charges an annual fee of $195. No foreign transaction fee. Platinum Delta SkyMiles 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.

The following fees apply to Platinum Delta SkyMiles Credit Card:

Platinum Delta SkyMiles Credit Card Fees
Fees Amount
Annual Fee $195
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $38
Late Payment Fee $38

Does Platinum Delta SkyMiles Credit Card report your account activity to credit bureaus?

Platinum Delta SkyMiles Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Platinum Delta SkyMiles Credit Card

  • Visit the American Express® National Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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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

Grace Period for Late Payment (Days) 25
Over-Limit Fee $0
Minimum Interest Charge $0
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Returned Payment Fee $38
Annual Fee $195
Late Fee Amount $38
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards 2x
All Other Purchases 1 mile for $1 spent
Every Purchase 2 miles for every $1
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Every Purchase
Signup Bonus $100
Signup Bonus (points) 35,000
Annual Loyalty Bonus Spend Requirement $25,000
Annual Loyalty Bonus (points) 10,000
Purchase APR (Variable APR) 17.24% - 26.24%
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 17.24% - 26.24%

Platinum Delta SkyMiles Credit Card Community Reviews

 
 

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