Gold Delta SkyMiles® Credit Card

Earn up to 25,000 bonus miles -- enough for a total of $250 off Delta flights Use miles to pay for any Delta seat, anytime - - no black out dates and no seat restrictions 25,000 miles may also be redeemed for a domestic economy award ticket Earn SkyMiles for every eligible dollar you spend No annual fee for the first year, then $95: $40 if you are a qualified American Express Cardmember Express Approval. Get a decision in less than 60 seconds. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 13.99%* No Annual fee 1st year; then $95* Yes* Good Credit*

Review: Gold Delta SkyMiles® Credit Card

Type of credit needed: Good Credit

Type of card: Airline Miles Rewards

Issued by: American Express™

Overview: Those who frequently book flights with Delta will benefit most from what this card has to offer. Cardholders receive SkyMiles for every purchase they make with their card, and extra miles are awarded for purchases made at Delta airlines and other select retail locations. The first purchase made with the card and/or the issuance of an additional card awards a large number of bonus miles to the cardholder. Collected miles can be redeemed for Delta flights. Miles expire after three years, unless the cardholder takes a flight with Delta during that time. In addition, the cardholder is not eligible to receive extra SkyMiles for purchases once they collect a certain number of miles in a single year. There is an annual fee for carrying this card, although it is waived during the first year, and the APR is quite high compared to many other cards.

Pro and cons of the card:

Pros:

• Enrol in the rewards program at no additional cost
• Earn SkyMiles for every purchase
• Earn extra SkyMiles for purchases at Delta and select retailers
• Earn bonus SkyMiles for the first card purchase
• Earn bonus SkyMiles when you get approved for an additional card
• Redeem SkyMiles for Delta flights
• Miles do not expire if you fly with Delta at least once every three years
• No annual fee for the first year
• High spending limits
• Standard American Express benefits like travel accident insurance

Cons:

• Annual fee
• High APR
• Must use Delta at least every three years or points will expire
• Limits on SkyMiles earnings
• Miles can only be used for Delta flights

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now! Credit Card will be charged, if Membership NOT cancelled!!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Americanexpress.com/deltagold4 (www.americanexpress.com/deltagold4) credit card application for details about terms and conditions and offers.