American Express® National Bank Delta SkyMiles® Platinum Credit Card Review

American Express® National Bank Delta SkyMiles® Platinum Credit Card is a rewards credit card issued by American Express National Bank. If you're wondering whether American Express® National Bank Delta SkyMiles® Platinum Credit Card is the right card for you, read on. This is everything you need to know 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. American Express® National Bank Delta SkyMiles® Platinum Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
• 3% Balance transfer fee. American Express® National Bank Delta SkyMiles® Platinum 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.
• 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 should probably try with another card if your credit score is below 700.

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. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere American Express® National Bank Delta SkyMiles® Platinum Credit Card is accepted. American Express® National Bank Delta SkyMiles® Platinum Credit Card reports to multiple credit bureaus.

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.

Is there a American Express® National Bank Delta SkyMiles® Platinum Credit Card cash back or rewards program?

American Express® National Bank Delta SkyMiles® Platinum Credit Card offers a rewards program to its customers.

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American Express® National Bank Delta SkyMiles® Platinum Credit Card Rewards

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

What are the American Express® National Bank Delta SkyMiles® Platinum Credit Card benefits?

American Express® National Bank Delta SkyMiles® Platinum 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
• Reports to major credit bureaus

What are the relevant APRs for American Express® National Bank Delta SkyMiles® Platinum 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. American Express® National Bank Delta SkyMiles® Platinum Credit Card has lower than average purchase APRs.

American Express® National Bank Delta SkyMiles® Platinum 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.

What are the fees for American Express® National Bank Delta SkyMiles® Platinum Credit Card?

The following fees apply to American Express® National Bank Delta SkyMiles® Platinum Credit Card:

• There is no overlimit fee

American Express® National Bank Delta SkyMiles® Platinum 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 American Express® National Bank Delta SkyMiles® Platinum Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Delta SkyMiles® Platinum 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 American Express® National Bank Delta SkyMiles® Platinum Credit Card

• Visit the American Express® National Bank Delta SkyMiles® Platinum 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.