Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card Review

This is a rewards card issued by American Express National Bank. If you're wondering whether Delta SkyMiles® Platinum American Express Card is the right card for you, read on.

Key Takeaways

• Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
• 3% Balance transfer fee. Delta SkyMiles® Platinum American Express Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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 will have low approval odds if your credit score is below 700.

Pros & Cons of Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card FAQ

Does Delta SkyMiles® Platinum American Express Card have a cash back or rewards program?

Delta SkyMiles® Platinum American Express Card is a travel rewards card.

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

It 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 Delta SkyMiles® Platinum American Express Card?

Delta SkyMiles® Platinum American Express Card has a variable purchase APR that ranges from 18.74% up to 27.74%. The card has a variable balance transfer APR of 0% . It also has a variable cash advance APR of 28.24% . 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 fees for Delta SkyMiles® Platinum American Express Card?

The following fees apply:

• There is no overlimit fee

Does Delta SkyMiles® Platinum American Express Card report your account activity to credit bureaus?

Yes, Delta SkyMiles® Platinum American Express 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 Delta SkyMiles® Platinum American Express Card

• Visit the Delta SkyMiles® Platinum American Express 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.