Gold Delta SkyMiles® Credit Card from American Express

Offered by: American Express Card

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Details

Purchase Intro Rate	N/A
Purchase Intro Period	N/A
Balance Transfer Intro Rate	9.99%
Balance Transfer Intro Period	12 Months
Regular APR	14.5% variable
Balance Transfer Rate	See Terms
Cash Advance Rate	See Terms
Annual Fee	$95.00
Late Fee	See Terms
Cash Advance Fee	See Terms
Balance Transfer Fee	See Terms

Gold Delta SkyMiles® Credit Card from American Express 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
No annual fee for the first year, then $95: $45 if you are a qualified American Express Cardmember
Express Approval. Get a decision in less than 60 seconds.
14.5% variable
Check your first bag for free on every Delta flight.

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See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

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When I was approved for this card about 15 months ago, my credit score was in 720's. They gave me a $2K limit, while my average limit on a credit card was $5K. The reasons I applied for this card were to get a cheap award ticket to South East Europe by the following logic: to collect the bonus $25K of miles, to utilize a 100% buy miles bonus with Delta and because there was no fee for the first year. I thought the worse what could have happened would be to pay with miles for a big chunk of a $1.2K airfare ticket. Note, I assumed the mileage calculations based on my positive experience with United Mileage program and their availability of award tickets for the South East Europe and by Chase pay with miles policy through its United Credit Card.

But, I had false assumptions, because Delta Mileage program is far worse than United’s one. Whenever I try there is no availability of flights (although its partners Air France and KLM show available award seats). Delta pay with miles does NOT work with all the tickets purchased, only with the ones marked with pay with miles and the associated award fees are far higher than United’s one. Of note, with Chase United you can at least get 100 miles per dollar for your airfare, lodging or good gift cards (e.g. best buy) as a statement credit.

I still have not closed the card; I will do it as soon I spend my 60+K of miles. My only options are some of the hotels, rent-a-car or to get $600 of Macy’s gift cards.

Another con is that I had to pay $100 for rent-a-car insurance, which I have declined. So it is not provided by default with this card.

There is one new pro; it is for people who travel a lot on Delta domestically. As of June 1 the first checked beg will be free.

Amex customer service is India based, they are nice, but it took them forever to get all my miles posted.

Please not that I am not praising Chase, actually I have finally closed their United Credit Card, since they have lowered my CL in less than one year in the following order: $6K-$5K-$3.6K-$.07K. The funny thing is that a day after Chase lowered my CL on $3.6K, Citi had increased my CL on one card from $9.6K to $11.2K???

I collect my credit card related United miles in a different way now. But, United Mileage program works much better than Delta, regardless of my poor experience with Chase.

DragonBoss 3 months ago

Navy Federal Credit Union's cashRewards card is way better than this and it has no annual fee. I've had the same experience with blackouts in the past as DragonBoss has had /w AMEX's air mile rewards.

It is just way easier to pay for airfare with cash back. Plus you can run the charge for the airfare on the cash back card itself to amply the bonus you are getting.

Navy Fed offers 1.5% after you spend over $10,000. So, if you are paying for a $1,000 ticket with $600 in cash back you already earned after a year of running routine purchases through the card, you will wind up only paying $385 out of pocket ($400 - $15 in cash back for the flight).

christoofar 2 months ago