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  Platinum Delta SkyMiles Credit Card

Platinum Delta SkyMiles Credit Card

in Personal Credit Cards from American Express National Bank

Claimed

Platinum Delta SkyMiles Credit Card

Claimed

in Personal Credit Cards from American Express National Bank

Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Highlights
Highlights
Community Rating

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Balance Transfer APR  (Variable APR) 17.24% - 26.24%
Credit Score Range 700 - 850
Annual Fee $195
Purchase APR  (Variable APR) 17.24% - 26.24%
Rewards Rates
  • Up to 2% on Airfare
  • 1% on Every Purchase
  • Travel

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.

  • Up to 1% on every day purchases.
  • Signup bonus. Offers a signup bonus of $100 if you spend $1000 within 3 months.
  • Signup bonus. Offers a signup bonus of 35000 after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 26.24%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $195 for the privilege.
  • $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.
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.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Platinum Delta SkyMiles Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • The annual fee will increase to $250 for applications received on or after 1/30/2020.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $195.

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
Signup Bonus Spend Period (months) 3 months
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
  • 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?

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 higher than average purchase APRs.

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%. The card has a variable cash advance APR of up to 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 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.

What are the Platinum Delta SkyMiles Credit Card fees?

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 $195
Overlimit Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

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 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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

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
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
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $195
Returned Payment Fee Up to $39
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount Up to $39
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
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network
  • American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental 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
Annual Airline Credit Up to $100
Bonus Rewards Earn 5,000 Medallion Qualification Miles (MQMs), and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Annual Loyalty Bonus (points) 10,000
Annual Loyalty Bonus Spend Requirement $25,000
No Reward Expiration Period  
No Blackout Dates  
Rewards Rates
  • Up to 2% on Airfare
  • 1% on Every Purchase
  • Travel
Signup Bonus (points) 35,000
Signup Bonus $100
Cash Advance APR (Variable APR) Up to 26.74%
Purchase APR (Variable APR) 17.24% - 26.24%
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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Credit Score Range 750 - 850     300 850
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Purchase APR 17.74% - 26.74%
(Variable APR)
    0% 36% Variable APR
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