Traveling is a way of life for many people around the globe. Whether it is traveling for work or pleasure, it cannot be denied that individuals often jet-set to different parts of the country and of the globe. Often, many of these travelers fly with one of the most trusted airlines in the world – Delta.
With so many people putting their trust in them, Delta has released its own line of co-branded credit cards along with American Express called the Delta SkyMiles credit card. These are designed for frequent flyers who use the airline and who value getting rewards in return.
For those who are interested in earning their way to their next trip or vacation, look no further. This array of credit card offerings from the Delta SkyMiles line are worth considering, especially for jet setters. Take a look at what this credit card is and how to apply for one.
- Get to Know the Delta SkyMiles Credit Card
- What the Delta SkyMiles Credit Card Offers
- Applying for a Delta SkyMiles Credit Card
- Fees and Charges of a Delta SkyMiles Credit Card
- Learning How to Manage a Delta SkyMiles Credit Card
Get to Know the Delta SkyMiles Credit Card
The Delta SkyMiles credit card is a line of credit card offerings brought by Delta Airlines and American Express. This is a type of cobranded airline credit card that aims to provide cardholders with SkyMiles that they can earn towards award flights, as well as an array of travel benefits.
There are four different types of Delta SkyMiles credit cards under the line to cater to all types of individuals and travelers.
These are the Delta SkyMiles Blue American Express Card, the Delta SkyMiles Gold American Express Card, the Delta SkyMiles Platinum American Express Card, and the Delta SkyMiles Reserve American Express Card.
As cobranded airline credit cards, these are usually geared towards frequent flyers. However, these offerings are also designed for individuals who are just casual flyers and who value getting rewards and savings from time to time.
How it Works
While each of the four Delta SkyMiles credit cards brings something different to the table, one thing is for sure – it works by allowing cardholders to earn Delta SkyMiles for eligible purchases charged on the card.
After earning a certain number of points, cardholders can redeem their SkyMiles for Delta flights and other travel privileges.
What the Delta SkyMiles Credit Card Offers
To best illustrate what the Delta SkyMiles credit card has to offer, this article will focus on the most ideal credit card for frequent flyers – no other than the Delta SkyMiles Platinum American Express Card. This is great for those who want to get the most travel benefits to fit their needs.
One of the main highlights of this credit card is that it allows cardholders to earn three miles for every dollar spent using their credit card on eligible Delta purchases. The same benefit can also be earned on purchases made directly at partner hotels.
Cardholders can earn two miles for every dollar spent at participating restaurants and dining establishments, may it be for dine-in, takeout, or delivery. Cardholders earn two miles for every dollar spent at supermarkets in the United States. For all other purchases, cardholders can get one mile for every dollar.
As part of a limited-time offering, cardholders can earn 90,000 bonus miles after they have spent $3,000 in purchases within three months of opening their account. This can also allow them to get back $200 in statement credit after making a Delta-related purchase within three months of getting the card.
Other Notable Offerings from the Card
Using a Delta credit card for in-flight purchases such as food, beverages, and audio headsets comes with 20% in savings in statement credit. Those who travel can also enjoy having their first bag checked in for free on their respective Delta flight, a savings of up to $60 on a round-trip flight.
What’s more, cardholders will be given an annual companion certificate which extends a domestic main cabin round-trip flight for a companion as the card is renewed every year. To complement the whole travel experience, Delta SkyMiles credit cards also offer Global Entry or TSA Pre-Check Fee Credit.
Even better, cardholders can get a status boost on their Delta SkyMiles Platinum Card if they make purchases of $25,000 or more. Those who reach this will be awarded 10,000 Medallion Qualification Miles.
Applying for a Delta SkyMiles Credit Card
Applying for a Delta SkyMiles Platinum American Express Card can be done online simply by filling out the application form found on the American Express website. This will require interested applicants to answer a series of questions.
In completing the online application form, individuals need to provide their personal information such as their full name, email address, Social Security Number, date of birth, phone number, home address, total annual income, non-taxable annual income, and source of income.
Depending on what is required by Delta and American Express, the bank may require additional documents from the applicant. These include one’s proof of identity, proof of address, proof of income, and the like.
Those who are approved for a Delta SkyMiles Platinum American Express Card will get a temporary minimum credit limit of $1,000 for use on Delta.com right away under an instant credit number. This credit limit can still increase and be adjusted depending on the applicant’s creditworthiness.
Eligibility Requirements and Qualifications
Individuals aged 18 and up may apply for a Delta SkyMiles credit card. Meanwhile, additional or supplementary cardmembers must at least be 13 years old. They must also be a resident or citizen of the United States and hold a mailing address in the country.
Applicants who are interested in getting a credit card under the cobranded line also need to have a Social Security Number as proof of their identity.
Bear in mind that this credit card requires applicants to generally have a good credit score, with those on the higher end of the spectrum having a higher chance of being approved. Users can unlock their full line of credit once they have received and activated their card.
Fees and Charges of a Delta SkyMiles Credit Card
There are certain rates and fees that come with the Delta SkyMiles Platinum American Express Card.
To keep enjoying the privileges offered and extended by this credit product, cardholders should remember not only the annual percentage rate (APR) but also other corresponding fees that apply.
Cardholders who pay their credit card in full every month can prevent their monthly repayments from ballooning over time. Below are some of the fees and charges that one should remember when applying for and using a credit card:
- Annual Fee – $250
- Annual Percentage Rate (APR) for Purchases – variable APR of 15.74% to 24.74%
- Annual Percentage Rate (APR) for Cash Advances – 25.24%
- Plan Fee (Fixed Finance Charge) – 1.33% after the 0% introductory offer
- Cash Advance Fee – $10 or 5% of the amount advanced, whichever is higher
- Foreign Transaction Fee – None
- Late Payment Fee – Up to $40
- Overlimit Fee – None
As mentioned, the Delta SkyMiles Platinum American Express Card also comes with an introductory 0% interest rate on purchases for 12 months from account opening. Afterward, however, this will revert to a variable APR of 15.75% to 24.74%.
The due date of payments comes 25 days after each billing period comes to a close. The credit card issuer will not charge cardholders the aforementioned interest rate, provided the monthly balance has been paid in full by the due date.
Learning How to Manage a Delta SkyMiles Credit Card
Cardholders who have successfully granted their own Delta SkyMiles credit card can easily manage their credit product with the help of the American Express mobile application.
The American Express mobile application is only available for account holders in the United States.
Cardholders who want to see their transactions, credit balance, and more can just log in via the app using their respective American Express user ID and password.
Bank Address and Contact Information
As previously mentioned, all of the Delta SkyMiles cobranded credit card offerings are all made by American Express National Bank. To know more about the Delta SkyMiles Platinum American Express Card and other offerings, individuals may contact the bank at 1-800-446-6307 any time.
Meanwhile, those who wish to pay the bank a visit may make an appointment with their head office located at 4315 South 2700 West, Salt Lake City, Utah 84184.
The Bottom Line
Applying for a Delta SkyMiles credit card is ideal for individuals who are always on the go. Whether for pleasure or work, these credit card offerings alongside American Express provide cardholders with a wealth of rewards designed to make their travel easier and more rewarding.
Disclaimer: There are risks involved when applying for and using a credit card. Please see the bank’s terms and conditions page for more information.