 Gold Delta SkyMiles® Credit Card
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Intro APR: 9.99%+prime
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Issuer: American Express
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Your next vacation is closer than you think.
- Get 10,000 Bonus SkyMiles® with your first purchase. 1
- Earn Always Double Miles® on Delta purchases, at supermarkets, drugstores, gas stations, home improvement stores, the US Postal Service - even on your wireless phone bill payments. 2
- Earn one SkyMile for every other eligible dollar you charge.
Enjoy added convenience, security, and savings.
- Your frequent flyer number is conveniently printed on your Card.
- Shopping security with Purchase Protection 3 and Buyer's Assurance. 4
Get where you want to go sooner.
- No blackout dates
- SkyMiles never expire 5
- Choose from over 400 Delta award destinations worldwide.
1. 10,000 SkyMiles will be awarded after you use your Card for the first time. Please allow 6-8 weeks after you make your first purchase with the Card. This offer is valid for first-time Delta SkyMiles Cardmembers only. You may be permitted to have more than one Delta SkyMiles Credit Card Account, however you are eligible to receive welcome bonus miles for only one Card Account.
2. Offer applies at qualifying stand-alone supermarkets, drugstores, gas stations, home improvement and hardware stores, and the U.S. Postal Service. Not valid in the departments of superstores or warehouse clubs. American Express® Cards are not currently accepted for bulk mail. Offer applies for wireless phone bill payments only. To pay your wireless phone bill automatically using your Delta SkyMiles Credit Card, please call your wireless service provider. Offer applies to qualifying Delta or Delta Connection® flights taken with the purchase of a fare that is eligible for frequent flyer mileage credit. Offer applies to Delta Vacations® packages but not other all-inclusive packages.In each year of Cardmembership, your miles are limited to $60,000 of eligible spending ($100,000 for Gold Delta SkyMiles Cardmembers, unlimited for Platinum Delta SkyMiles Cardmembers), not including bonuses.
However, one mile for each U.S. dollar of eligible spending on Delta charges will be awarded aboe this limit. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month.
3. The Buyer's Assurance Plan coverage is limited to eligible products costing $10,000 or less, excluding taxes, up to $50,000 per Cardmember account per policy year. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.
4. The Purchase Protection Plan covers items purchased with the Card for 90 days from the date of purchase, up to $1,000 per occurrence, $50,000 per Cardmember per policy year, in excess of other applicable insurance. For more details or to file a claim, call 1-800-322-1277. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.
5. Mileage will not expire as long as members participate every three years in one of the following: travel on a qualifying Delta, Delta Connection, Delta Shuttle flight, redeem miles for a SkyMiles Award, or accrue miles with one of the SkyMiles program partners, including the Delta SkyMiles Credit Card.
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You’ve probably received several credit card offers in the mail, and the outside of the envelopes scream interest rates and promotional offers to try and entice you into opening it up and looking at what’s inside. Chances are, if you have an email address, you’ve even received a few credit card offers through that address- bright colors and animated graphics trying to convince you that there card has the lowest initial interest rate, or the longest transfer balance rate of all the available credit cards on the market. All of the offers will look good at first glance; after all- that’s what marketing is about, right? According to Merriam-Webster’s online dictionary, marketing is a noun used to describe “the act or process of selling or purchasing in a market, and the process or technique of promoting, selling, and distributing a product or service.” Credit card companies are in business to sell you their credit cards, and they’ll use a variety of promotional materials to get your business.
The outside of your credit card offer’s envelope might say something like, “LOW 0% Initial Interest Rate on all purchases and balance transfers”, but there is much more to how a credit card’s interest rate is calculated than that statement reveals. Initial interest rates are sometimes referred to as the card’s promotional rate, or teaser rate. In all honesty, an initial interest rate is basically the same thing for a credit card as a sale is to a retail store. Retail stores advertise their products that have a discounted price for a limited time to attempt to bring people into their establishment to buy the sale item, but also because once you are there, they hope you’ll purchase other products. Credit cards offering initial interest rates are basically putting their standard interest rates “on sale”, because for a limited time, new cardholders will receive a lower than usual rate on purchases, and sometimes also on any balance you transfer from one of your other credit cards onto this new card. What you need to understand about initial interest rates is that they really are “for a limited time”, and just as you couldn’t go to your favorite store and buy items this month for the sale price that was offered the previous month, you can’t extend a credit card’s initial interest rate beyond the terms they specify (often found in the small print!) What you’ll want to look for in the text of the materials that were sent with the initial interest rate cards promotional documents is reference to the cards ongoing annual percentage rate (APR). This is the interest rate that you will pay once the initial interest rate period has passed. (The regular price of an item after the sale has ended!)
Initial interest rates will also come with terms of agreement, in the form of a contract, which give reasons as to how or why the rate might be terminated by the credit lender. The most common reason to terminate the initial interest rate offer is for making a late payment on your card, and if you read the fine print of the credit card agreement- you’ll note that it states this very clearly. In order to keep the promotional, lower rate for the time specified by the credit card lender, you must make every payment on time. If you are late with a payment, you can expect the interest rate to jump to the ongoing APR, or in some cases, higher because you have defaulted on your contract agreements, so do everything you can to make sure your payments are made on time.
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