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 $3000 within 3 months.
• Signup bonus. Offers a signup bonus of 8000 points after spending $3,000 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 16.74% up to 25.74%.
• 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 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 should probably try with another card if your credit score is below 700.

Platinum Delta SkyMiles Credit Card Pros and Cons:

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.

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
• Zero fraud liability
• Travel Accident Insurance
• No blackout dates when redeeming miles
• 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 16.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 16.74% up to 25.74%. It also has a variable cash advance APR of 26.24% . 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 Platinum Delta SkyMiles Credit Card fees?

The following fees apply to Platinum Delta SkyMiles Credit Card:

• There is no overlimit fee

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 score.

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.