How do I make an Amex Delta Platinum Business Credit Card payment?

The American Express minimum payment is the highest of:

• The interest charged on your statement, plus 1% of your new balance (excluding any overlimit amount, penalty fees, interest charges, or other plan balances).
• 2% of the new balance, excluding any overlimit amount, penalty fees, or other balances.
• $40 (or the full amount you owe if your balance is less than $40).... read full answer

Cardholders can also find their required minimum payment listed on their monthly account statement.

You can only pay an American Express card’s bill in person if the card is on the American Express network but issued by another bank or credit union. In this case you can go to one of the issuer’s branch locations. But cards issued by Amex cannot be paid in person, as this issuer has no physical locations.... read full answer

If your Amex card was issued by American Express, your only options are to pay online, with the app, over the phone, or by mailing a check. The easiest way to make an Amex credit card payment is online or with the American Express app. Just log in, click “Make a Payment,” and choose or add your preferred bank account to pay from.

A credit card billing cycle is the period of time between two credit card statements, usually lasting 28-31 days. On the last day of a credit card’s billing cycle – also known as the closing date –the card’s issuer will compile the account’s billing statement. This includes a bill for all the charges made to your account during that billing cycle, minus any payments made. You can find the starting and ending dates for your credit card’s billing cycle on your monthly statement.... read full answer

Understanding your credit card’s billing cycle is important for a few reasons. First, it’s important because your statement balance – the amount you have to pay by the due date to avoid interest – is comprised of purchases made during the billing cycle. The statement balance also gets reported to credit bureaus each month and factors into your credit utilization.

Secondly, the start and end of a billing cycle determine when you have to pay for a given purchase or fee. For example, if you purchase a big TV the day before your statement closing date, you’ll owe that money on your next due date – usually about 25 days later, or however long your grace period is. However, if you buy the TV the day after your statement closing date, it will land on the next statement. So you won’t have to pay for the TV until that statement’s due date, which could be 50 or so days later. For those budgeting out big purchases, timing the purchase to get an extra few weeks to pay can make a huge difference.

Billing cycles are also important if you are taking advantage of a 0% APR intro period. These zero-interest periods are sometimes measured in billing cycles, rather than months. This difference can be worth calculating if the billing cycle is shorter than a typical month, and you are tracking how much time you have to pay off a purchase before the promotional APR period ends.