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Details about Gold Delta SkyMiles® Credit Card from American Express

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Official Card Name Gold Delta SkyMiles® Credit Card from American Express
Card Apperance Gold Delta SkyMiles® Credit Card from American Express Offer
Issuer
American Express  American Express Logo
Brand American Express 
Annual Fee $95
1st Free 
Introductory
Rate
n/a 
Length of
Intro Period
n/a 
Go To Rate
(After Intro)
14.99 
Balance Transfer
Available
No 
Credit Level
Required
Very Good 
Offer Features Earn up to 25,000 bonus miles - enough for a total of $250 off Delta flights 
  Use miles to pay for any Delta seat, anytime - no black out dates and no seat restrictions. 
  25,000 miles may also be redeemed for a domestic economy award ticket. 
  Earn SkyMiles for every eligible dollar you spend. 
  Express Approval. Get a decision in less than 60 seconds. 
   



 

Additional Details, Terms and Conditions
CategoryReward - Airline
StatusGold
Introductory Percentage Rate 9.99
Introductory Time Period99.00
Intro Applies ToBalance Transfers
Intro DetailsThe introductory rate is available on balance transfers submitted during the application process.
APR for Purchases 14.990
Purchase Rate TypeVariable
Minimum APR on PurchasesNo
APR for Cash Advances 19.990
Cash Advance Rate Type Variable
Minimum APR on Cash Advances No
Finance Charge Calculation Average Daily Balance (including new purchases)
Annual Fee $95**
Additional Annual Fees $0
Annual Fee Detail**The annual fee will be waived for the first year. Thereafter, the fee is reduced to $40 for those who are qualified American Express® Cardmembers.
Grace Period20 Days
Late Payment Fee$19 on balances up to $400 and $38 on balances of $400 and over
Over Limit Fee$35
Cash Advance Fee3%, $5 minimum for Express Cash transactions
Balance Transfer FeeThere is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.
Minimum Balance Transfern/a
Maximum Balance Transfer $100,000
Type of RewardMile
Optional RewardNo
Miles Earned Per Dollar Spent1 Mile
Additional MilesEarn 2 miles per dollar spent at supermarkets, gas stations, drug stores, home improvement stores, the U.S. Postal Service, on Delta Air Lines purchases, or when paying wireless phone bills. Earn 1,000 Skymiles with each purchase of a Delta round-trip ticket and 500 Skymiles for one-way tickets purchased through www.delta.com.
Mile DetailsFor more details, visit www.americanexpress.com/deltaoffers.
Miles Compatible With FFYes
Expiration3 Years (Miles do not expire as long as the frequent flyer account is active during a 3-year period.)
Yearly Limit$100,000 in annual spending (Only 1 mile per dollar spent will be awarded after this limit is reached.)
Bonus ApprovalNone
Bonus First Purchase20,000 Miles
Bonus Balance TransfersNone
Bonus AnnualNone
Bonus Other5,000 Miles***
Bonus Details***Earn 5,0000 bonus miles for two approved additional cards when submitted with application.
Additional PerksVarious Internet account related services.
Year-end financial statement.
Extended warranty for purchases.
Purchase protection.
No liability for unauthorized Internet transactions.
Access to the Offer Zone for various discounts at participating retailers and merchants.
Auto rental insurance.
Emergency card replacement.
Emergency cash replacement.
Medical referral services.
Legal referral services.
Various travel and emergency assistance services.
Up to $100,000 in travel accident insurance.
See website for additional benefits.
NotationsCard is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure.
Features / Benefits: Earn Up to 25,000 Bonus Miles - Enough For a Total of $250 Off Delta Flights
1Use Miles to Pay For Any Delta Seat, Anytime - No Black Out Dates and No Seat Restrictions
225,000 Miles May Also Be Redeemed for a Domestic Econnomy Award Ticket
3Earn SkyMiles® for Every Eligible Dollar You Spend
4No Annual Fee for the First Year, Then $95: $45 If You Are a Qualified American Express Cardmember
5Express Approval. Get a Decision in Less Than 60 Seconds
Rating4.00
Benefit Rating4.50
Best Feature Double miles at participating retailers (including Delta Air Lines); bonus miles; no annual fee for the first year.
Worst FeatureYearly limit on miles; this card is not eligible for enrollment in the Membership Rewards® Program.
ReviewThe Gold Delta SkyMiles® Credit Card, issued by American Express, is designed for those who frequently travel using Delta Airlines.

Cardholders receive one mile for every dollar spent on general purchases and two miles for every dollar spent at participating retailers and merchants (including Delta Airlines related purchases). Additionally, 20,000 bonus miles are awarded to new applicants with their first purchase, and 5,000 bonus miles are awarded for two approved additional cards submitted with this application.

Miles do not have an expiration date (if travel is made through Delta Airlines at least once every three years); however, after the cardholder reaches $100,000 in annual spending, only one mile will be awarded per dollar spent.

Cardholders will also have access to the exclusive Pay with Miles benefit. Through Pay with Miles, cardholders can pay for a portion or all of their airfare with miles and put any remainder of miles back on the Gold Delta SkyMiles® Credit Card. Start redeeming Pay with Miles at 10,000 miles.

The annual fee will be waived for the first year. After that time the annual fee is $95; however, for those who already have an American Express® Charge Card the fee is reduced to $40. The standard APR for purchases is above average for an airline reward card and not ideal for those who plan to carry a revolving balance. There is an introductory rate of 9.99% offered for balances transferred during the time of application, which applies for the life of the loan.

In addition to the reward program, the card offers many of the common benefits and services provided by American Express®, such as auto rental insurance, travel accident insurance, year-end financial statements, and various purchase protection related services.

Those who can afford to pay in full each month (to avoid finance charges), will use the card at participating retailers and merchants (to earn additional miles), and will be able to accumulate enough miles to redeem a free ticket or other travel related services within a two-year period (especially if paying the $95 annual fee) will benefit most from what the Gold Delta SkyMiles® Credit Card from American Express has to offer.

Those who are looking for additional frequent flyer benefits may want to consider the platinum card, which comes with a higher annual fee of $135 and has a higher credit qualification requirement.
Date of Data Update 2008-08-19 00:00:00
  



 


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