Platinum Delta SkyMiles® Credit Card from American Express

Our Rating: 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. Annual Fee: $150 Setup Fee: $0 APR: 14.50% Terms and Conditions

Key Features Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember Earn one companion Coach Class ticket each year upon renewal Earn at least 1 mile for every eligible dollar spent Miles never expire and there is no cap on the miles you can earn Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card Express Approval. Get a decision in less than 60 seconds APPLY NOW

This credit card by American Express and Delta Airlines puts the focus on frequent flyers who wish to accumulate rewards based upon travel miles. It is the best offering in the Delta SkyMiles Card series and is suited for those who have a good credit record.

Miles are added to cardholders accounts for every dollar spent on general purchases. But two miles are accumulated for dollars spent at participating retailers and merchants including Delta Air Lines related purchases. New applicants are given 20,000 miles with their first purchase. Five thousand of these miles are Base Miles which are applied towards the Medallion Status program for upgrade opportunities, mileage bonuses and a lot more.

There are no expiration dates on the miles accrued as long as travel is made through Delta Air Lines at least once every two years. No annual limit applies, either. Also, there is a free companion ticket that is annually awarded in this program as well.

There is an annual fee of $150.00 which is reduced to $95.00 for existing American Express Charge Card holders. The interest rate is slightly above the average for other reward cards in this class.

Other amenities with this card include auto rental insurance, travel accident insurance, year-end financial statements, and other purchase protection services and fraud protection. Also, guaranteed hotel and motel reservations are a part of the base services offered. You will also find $100,000.00 in travel accident insurance. Medical and legal referral services are also included. So many rewards at the base level make this a great card.

If you spend at least $3,000.00 or more per month, frequently fly on Delta Air Lines and will use the card regularly at participating retail outlets and merchants, you will stand to gain the most in benefits and therefore can justify the annual fee

Review Date: 12/19/2008