How do I check my Amex Delta Platinum balance?

The Amex Delta Platinum minimum payment is 1% - 2% of the statement balance, plus fees and interest, or $40 – whichever is higher. The minimum amount due on your Amex Delta Platinum account will always be listed on your monthly statement.

Amex Delta Platinum Minimum Payment Scenarios

• 1% of the statement balance (not counting any interest, fees, overlimit amounts, or plan balances) plus any interest charged on the monthly billing statement.... read full answer
• 2% of the statement balance (not counting any penalty fees, overlimit amounts, or plan balances).
• $40.

Once the highest amount is determined from those options, Amex will then add any penalty fees listed on the billing statement, along with up to 1/24th of any overlimit amount, any plan payment due, and any amount past due.

The minimum payment is the smallest amount you’re obligated to pay by the due date for your Amex Delta Platinum account to be in good standing. To avoid paying interest, you’ll want to pay your balance in full each month rather than just the minimum.

No, the Amex Delta Platinum Card does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the Amex Delta Platinum Card is not a great credit card to use.

Alternatively, you can check out the ... read full answerbest 0% APR credit cards of 2023, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.

Yes, the Delta SkyMiles® Platinum American Express Card does have a late fee of up to $40, which applies when cardholders don't make the minimum payment by the due date. The late fee for the Amex Delta Platinum card can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009.

If you accidentally make less than the required minimum payment or you miss your Amex Delta Platinum due date entirely, you can always ask customer service to remove the late fee by calling 800-528-4800. This is much more likely to work if you have a great payment history with American Express, but even if not, there's no harm in asking.... read full answer

To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.