Specifics

• Introductory Rate: 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
• Applied Towards: Balance Transfers
• APR (Purchases)**: 14.50% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): n/a There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: $150
• Additional Cardholders: $0
• Grace Period: 20 Days
• Minimum Credit Limit: n/a
• Maximum Credit Limit: n/a
• Late Payment Fee: n/a
• Over-The-Limit Fee: $35
• Cash Advance Fee: n/a
• Balance Transfer Fee: n/a

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: 2 Years (Miles do not expire as long as the frequent flyer account is active during a 2-year period.) (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for those with very good credit, this is one of the best of the Delta SkyMiles® Cards. Earn 1 mile per $1 spent on general purchases and 2 miles per $1 spent at participating merchants and retailers (including Delta Airlines related purchases). New applicants receive 20,000 bonus miles with first purchase. 5,000 of these are Base Miles which are applied towards the Medallion Status program for mileage bonuses, upgrade opportunities and more. Miles do not expire (however, travel must be made through Delta Air Lines at least once every 2 years), earn unlimited miles. Annual fee is $150 (reduced to $95 if you already have an American Express Charge Card). The balance transfer rate is higher than average, 3.9% for the first twelve months. The APR for purchases is above average for a reward card. Benefits include travel accident insurance and auto rental insurance. This card will benefit those who spend at least $3,00 ore more a month (due to the card's high annual fee), often fly on Delta Airlines, and will use the card at participating retailers and merchants. Last Modified Date: 9/28/2009 12:00:00 AM

Additional Perks

Various Internet account related services.
Complimentary domestic coach companion certificate with credit card renewal each year.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Fraud protection.
Purchase protection.
Auto rental insurance.
Emergency card replacement.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
Guaranteed hotel and motel reservations.
Up to $100,000 in travel accident insurance.
See website for additional benefits.
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Important Notations

Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.