What did 1 users say about Platinum Delta SkyMiles Credit Card? | September 2020

Highlights
Community Rating	Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
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

Platinum Delta SkyMiles Credit Card Review

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

Key Takeaways

Earn 1 miles for every dollar spent on everyday purchases.
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. Platinum Delta SkyMiles Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
3% Balance transfer fee. Platinum Delta SkyMiles Credit Card 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.
$0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
Good or better credit required. You should probably try with another card if your credit score is below 700.

Platinum Delta SkyMiles Credit Card Pros & Cons

The Good	The Bad
No foreign transaction fees. New customers have a limited time bonus offer for 5,000 Medallion Qualification Miles, along with 35,000 bonus miles and a $100 statement credit. First checked bag is free. Lower than average purchase APRs. Multiple credit card perks. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Platinum Delta SkyMiles Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	The annual fee will increase to $250 for applications received on or after 1/30/2020. Requires good to excellent credit. Charges an annual fee of $250 Charges a 3% balance transfer fee.

The Good

The Bad

No foreign transaction fees.
New customers have a limited time bonus offer for 5,000 Medallion Qualification Miles, along with 35,000 bonus miles and a $100 statement credit.
First checked bag is free.
Lower than average purchase APRs.
Multiple credit card perks.
No foreign transaction fee.
Cardholders can earn rewards on every purchase.
Earn rewards on every purchase.
Platinum Delta SkyMiles Credit Card reports to multiple credit bureaus.
Cardholders can earn rewards on their purchases.

The annual fee will increase to $250 for applications received on or after 1/30/2020.
Requires good to excellent credit.
Charges an annual fee of $250
Charges a 3% balance transfer fee.

Platinum Delta SkyMiles Credit Card FAQ

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)	40000
Signup Bonus Spend Requirement	$2000
Signup Bonus Spend Period (months)	3 months

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 $2000. However, it does include a 40000 points signup bonus after spending $2000 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.

What are the Platinum Delta SkyMiles Credit Card benefits?

Platinum Delta SkyMiles Credit Card provides the following benefits:

No blackout dates when redeeming miles
ID Theft Protection
Reports to major credit bureaus

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Platinum Delta SkyMiles Credit Card has lower than average purchase APRs.

Platinum 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 Platinum Delta SkyMiles Credit Card have an introductory APR offer on balance transfers?

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

Does Platinum Delta SkyMiles Credit Card have an introductory APR offer on new purchases?

Platinum Delta SkyMiles Credit Card does not offer an introductory rate on new purchases.

Platinum Delta SkyMiles Credit Card Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for Platinum Delta SkyMiles Credit Card?

The following fees apply to Platinum Delta SkyMiles Credit Card:

There is no overlimit fee

Platinum Delta SkyMiles Credit Card Fees
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 Platinum Delta SkyMiles Credit Card have a 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.

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 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.

How to apply for Platinum Delta SkyMiles Credit Card

Visit the Platinum 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 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.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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200 Vesey Street
New York, NY 10285
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Availability

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 per dollar spent when you use your Card for purchases made directly with Delta. Earn 1 mile per dollar for purchases you make with your Card — from everyday purchases

Platinum Delta SkyMiles Credit Card Community Reviews

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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

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 Unemployed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	700 - 850 850 300 700

Bonus Rewards	Earn 40,000 bonus miles and 5,000 MQMs after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within 3 months.
Annual Airline Credit	Up to $100
No Reward Expiration Period
No Blackout Dates
Rewards Rates	Airfare Every Purchase Travel
Signup Bonus (points)	40,000
Signup Bonus	$100
Rewards Type	Miles

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