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
$0

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.

 

2.7% of each transaction after conversion to US dollars (None on or after 1/30/2020)

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 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.

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.

Foreign Transaction Fees

American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

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