IMPORTANT INFORMATION REGARDING RATES, FEES, AND OTHER COST INFORMATION (ACCURATE AS OF 09/20/2019)
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases

17.49% to 26.49%, based on your creditworthiness and other factors as determined at the time of account opening.

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

17.49% to 26.49% APR on balance transfers requested within 60 days of account opening based on your creditworthiness and other factors.

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

26.99%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

29.99%

This APR will vary with the market based on the Prime Rate. 

This APR may be applied to new transactions on your account if:

  1. you make one or more late payments; or 
  2. your payment is returned by your bank

We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account. 

How Long Will the Penalty APR Apply?

If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed.

Paying Interest
Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance (or if you have a plan outstanding, your balance adjusted for plans) by the due date. We will begin charging interest on cash advances and balance transfers on the transaction date.

Plan Fee 

(Fixed Finance Charge)

Up to 1.23% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/
Fees
Annual Membership Fee
$95 ($99 if application is received on or after 1/30/2020)

Transaction Fees 

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

 

Either $5 or 3% of the amount of each transfer, whichever is greater.

 

Either $10 or 5% of the amount of each cash advance, whichever is greater.

 

None

Penalty Fees

  • Late Payment
  • Returned Payment
  • Overlimit

 

Up to $39

Up to $39

 

None

BENEFIT TERMS

The following benefits and services are subject to change or cancellation.

Miles on Eligible Purchases

1x Mile on eligible purchases: You will earn 1 mile for each dollar of eligible purchases charged on your Card.

2x Miles at U.S. Supermarkets: You will earn 1 additional mile (for a total of 2 miles) for each dollar of eligible purchases charged at supermarkets located in the United States.  Superstores and warehouse clubs are not considered supermarkets. 

2x Miles at Restaurants: You will earn 1 additional mile (for a total of 2 miles) for each dollar of eligible purchases charged at restaurants worldwide. You may not get additional miles for purchases at a restaurant located within another establishment (e.g. a restaurant located inside a hotel, casino, or event venue).  For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant.  You will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores.

2x Miles on Delta Purchases: You will earn 1 additional mile (for a total of 2 miles) on each dollar of eligible purchases charged directly with Delta (“Delta Purchases”). Delta Purchases are eligible purchases where Delta is the merchant of record, such as purchases via delta.com, the Fly Delta app, phone reservations, or ticket counters, such as upgrades, miles, seat selection, Delta Sky Club® membership, and in-flight purchases of food, alcoholic beverages and audio headsets on Delta-operated flights. Delta Purchases do not include other in-flight purchases where Delta is not the merchant of record, such as in-flight wireless internet access and charitable contributions. Delta Gift Cards do not qualify.  Delta Purchases include Delta Vacations® packages but not other all-inclusive packages. Delta Purchases include purchases of qualifying Delta, Delta Connection® carrier and Delta Shuttle® flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. Additional miles earned for Delta flight purchases made with the Card will be based on the total ticket price, including base fare, carrier-imposed surcharges and government-imposed taxes and fees.

Eligible purchases mean purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases of gift cards, person-to-person transactions, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month.  To be eligible to receive miles, your Card account must not be canceled or past due at the time of fulfillment. 

Purchases made through a third party payment account or on an online marketplace (with multiple retailers) will not qualify for additional miles.

Merchants are assigned codes base on what they primarily sell. A purchase will not qualify for additional miles if the merchant’s code is eligible. A purchase may not qualify for additional miles if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Additional terms and restrictions may apply.

Please visit americanexpress.com/rewards-info for more information about rewards.

Pay with Miles

Program is limited to Basic (not Additional) Card Members. New Card Members are eligible to use Pay with Miles upon receipt of their Card. Eligible only on Delta and Delta Connection® carrier-operated and ticketed flights booked at delta.com. Not available on other codeshare flights. Eligible flights for this program will be marked as Pay with Miles eligible. Miles redemptions must be in 5,000 mile increments, with a minimum of 5,000 miles for redemption, and the number of miles redeemed will be rounded up to the nearest 5,000 mile increment, as applicable.  Use your Card to pay for the remaining ticket price when using Pay with Miles.  Five thousand miles generally provides $50 of value.  However, you may receive less value per mile if the cost of a ticket you choose to cover entirely with miles is not a multiple of $50. All Pay with Miles tickets will earn mileage, and will earn Medallion Qualification Dollars, for the portion of the base fare and carrier-imposed surcharges remaining that is paid in currency after miles are applied to the ticket total.   Mileage redemption will be applied toward the base fare and carrier-imposed surcharges prior to being applied toward taxes and fees. In addition, all Pay with Miles tickets are eligible for Medallion Qualification Segments, and Medallion Qualification Miles. Pay with Miles tickets are not eligible for Best Fare Guarantee and may not be combined with any other forms of mileage redemption, such as Award Travel tickets. Medallion Complimentary Upgrades on Pay with Miles tickets are subject to availability and may not be eligible on all flights. Except for tickets refunded under Delta's Risk Free Cancellation policy, miles redeemed with Pay with Miles cannot be re-deposited in the member's SkyMiles Account — even for fully refundable fares.  Residual value for a changed or cancelled ticket will be issued as an e-certificate applicable to future Delta purchases. For additional terms, conditions, and restrictions, visit delta.com/paywithmiles.

Delta SkyMiles MarketPlace

SkyMiles Marketplace is for use only by SkyMiles Medallion® members or customers that have a U.S. issued Delta SkyMiles American Express Card. All redemption offers and awards are subject to change and to the terms and conditions of each individual merchant. Offers, rules and participating merchants are subject to change without notice. All SkyMiles Marketplace rules apply. To review the rules, please visit delta.com/memberguide.

First Checked Bag Free

Benefit is limited to Basic Card Members (not Additional Card Members) with the Delta SkyMiles® Gold, Platinum or Reserve Cards. Reservation must include the Basic Card Member's SkyMiles number. Fee waiver also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine waivers per reservation. New Card Members and Card Members upgrading from another Delta SkyMiles Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express. The first checked bag fee waiver will only be applied on flight segments which originate on a Delta or Delta Connection® carrier when you check-in with Delta for both a Delta marketed and Delta operated flight. Waiver is only for normal bag fee, if any, for the first checked bag that is not overweight and not oversize under Delta's applicable rules as set forth in Delta's contract of carriage. Additional terms, conditions and restrictions may apply. See delta.com/firstbagfree for details.

Priority Boarding

Card Members are entitled to receive Main Cabin 1 Priority Boarding on Delta flights. Benefit is limited to Basic Card Members (not Additional Card Members) with the Delta SkyMiles® Gold, Platinum or Reserve Cards. Reservation must include the Basic Card Member's SkyMiles number. Main Cabin 1 Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Main Cabin 1 Priority Boarding. Main Cabin 1 Priority Boarding will only be available on Delta and Delta Connection carrier operated flights. Delta does not offer Main Cabin 1 Priority Boarding on Delta Shuttle® flights. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See delta.com/amex for details.

Delta Sky Club Access

Effective Through January 29, 2020:

Delta Sky Club® exclusive per-visit rate of $29 per person is limited to Gold Delta SkyMiles and Platinum Delta SkyMiles Credit Card Members and up to two guests and may be used only in conjunction with same-day boarding pass on a Delta-marketed or Delta-operated flight. Benefit permits access to one Club location and is not transferable to another Club. Payment must be made in person with a Gold Delta SkyMiles or Platinum Delta SkyMiles Credit Card. Children under 2 years of age may accompany the Card Member for free. Individuals must be at least 18 years of age to access the Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who is also accessing the Club using the exclusive per-visit rate or as a Club Member. Please drink responsibly. Partner lounges are not included. Note that amenities may vary among airport club locations. Meeting rooms may be reserved for a fee. All Delta Sky Club rules apply. To review the rules, please visit delta.com/skyclub. Offer and rules subject to change without notice. Additional restrictions may apply.

Effective January 30, 2020: 

Delta Sky Club® Access will no longer be available on the Gold Delta SkyMiles Credit Card

Medallion Qualification Dollar Waiver

Effective Through December 31, 2019:

If the Medallion Qualification Dollar (MQD) threshold is not met for a Qualification Year, you can still qualify for Platinum, Gold and Silver Medallion Status if you have earned the required Medallion Qualification Miles (MQMs) or Medallion Qualification Segments (MQSs) and make at least $25,000 in Eligible Purchases within that Qualification Year on your Eligible Card. If the MQD threshold is not met for a Qualification Year, you can qualify for Diamond Medallion Status if you have earned the required MQMs or MQSs and spend at least $250,000 in eligible purchases within that Qualification Year on your Eligible Card. A Qualification Year is from January 1 to December 31 of a given year. The close of the Qualification Year is December 31, without regard to the time of the year that the credit card account is opened. This means that for the first year of Card Membership, the Card Member's Eligible Purchase period may be less than twelve months. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible Purchases do NOT include fees, interest charges, balance transfers (balance transfers are not available on Delta SkyMiles® Business Credit Cards), cash advances, purchases of travelers' checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Eligible purchases may fall outside of the Qualification Year in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). This may result in a delay in receiving the MQD waiver. You can confirm whether you have met the Eligible Purchase threshold for the MQD Waiver by logging into your SkyMiles account on delta.com or in the Fly Delta app. Eligible Purchases made by Additional Card Members on the Basic Card Member's Eligible Card will count toward the Eligible Purchase threshold. For purposes of calculating the Eligible Purchase threshold, Eligible Purchases will be combined across multiple Eligible Cards of the Basic Card Member if those Card accounts are linked to the same SkyMiles number. Eligible Cards are the following: Gold Delta SkyMiles Credit Card, Platinum Delta SkyMiles, Delta Reserve Credit Card, Delta SkyMiles Business Credit Card, Gold Delta SkyMiles Business Credit Card, Platinum Delta SkyMiles Business Credit Card, Delta Reserve for Business Credit Card from American Express. The Blue Delta SkyMiles® Credit Card is not eligible for the MQD Waiver. However, if you have another Delta SkyMiles Credit Card with the MQD Waiver benefit in addition to your Delta Blue SkyMiles Credit Card, Eligible Purchases made on the Blue Delta SkyMiles Credit Card will continue to count towards the MQD Waiver. This benefit extends to Basic Card Members only (Additional Card Members are not eligible). Offer terms and conditions subject to change.

Effective January 1, 2020:

The Medallion Qualification Dollar Waiver will no longer be available on the Gold Delta SkyMiles Credit Card.

$100 Delta Flight Credit

If, in any calendar year, eligible purchases on your Delta SkyMiles Gold Card account total $10,000 or more, you will receive a $100 Delta eCredit (the “Credit”) that can be used toward a Delta flight purchase. A Delta flight purchase is limited to purchases of Delta-marketed flights made on delta.com or with Delta Reservations. The Credit may be applied toward the Delta airfare portion of a Delta Vacations package. The Credit is only valid for payment of tickets, including fare, surcharge and government-imposed taxes and fees imposed on the air transportation. It is not valid for other types of fees (including bag fees, change fees, upgrades or other ancillary purchases or fees with Delta), and it does not have any cash value. The Credit expires within one year from the date of issuance and must be redeemed on or before the expiration date. If the value of the Credit is greater than the flight purchased, the Card Member will be able to use the residual value in another transaction before the expiration date. The Credit will be issued as a Delta eCredit, which will be available in your Delta Wallet when you are logged into your SkyMiles account on delta.com. Visit delta.com/redeem for more information about redemption options. The certificate number, a redemption code, and redemption instructions will also be sent to the email address listed on your Delta SkyMiles account. Limit one Credit per calendar year. Please allow up to 2 weeks after meeting the purchase requirement for the Credit to be issued. The Credit is non-transferable from one Member's account to another but can be applied towards someone else's ticket without limitation. The Credit may be combined with up to 2 other Delta eCredits. If you transfer from a different Delta SkyMiles Card product to the Delta SkyMiles Gold Card, any eligible purchases you made on your old Card during the calendar year will count toward the new Delta SkyMiles Gold Card purchase requirement, after you make your first transaction on the new Card. The Credit may be redeemed for Delta flights purchased in currencies other than United States Dollars and will be converted to the currency of the country of payment at the Bankers Rate of Exchange in effect on the date of ticket issuance, and the rate of exchange must be indicated on the ticket. The benefit is only available to the Basic Card Member; however, eligible purchases made by Additional Card Members will contribute to the purchase requirement. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler’s checks, purchases of gift cards, person-to-person transactions, purchases or reloading of prepaid cards, or purchases of other cash equivalents.  Eligible purchases may fall outside of the calendar year in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. For example, if you buy goods online, the purchase date may be the date the goods are shipped. Additional terms, conditions and restrictions apply. See delta.com/amexflightcreditterms for details.

20% Back on In-Flight Purchases

Card Members will receive a 20% savings in the form of a statement credit on eligible pre-purchased meals, and in-flight purchases of food, alcoholic beverages and audio headsets, on Delta-operated flights. Savings do not apply to any other in-flight purchases, such as in-flight wireless internet access, and associated services, and charitable contributions. To receive the savings, Card Members must use their Delta SkyMiles American Express Card to complete the in-flight purchase. Savings will appear as a statement credit 8-12 weeks after the transaction is posted to the Card Member's Card account. Offer is subject to change without notice. Additional terms, conditions, and restrictions may apply. See delta.com/amex for details.

The Gold Delta SkyMiles® Credit Card is issued by American Express National Bank. © 2019 American Express National Bank.