How do I check my Delta Reserve Credit Card balance?

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

Delta Reserve Credit Card 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 Delta Reserve Credit Card 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 Delta Reserve Credit 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 Delta Reserve Credit 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® Reserve 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 Delta Reserve Credit 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 Delta Reserve Credit Card 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.