What is the Delta Gold Card interest rate? This question is about the Delta SkyMiles® Gold American Express Card

What is the Delta Gold Card interest rate?

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This question is about the Delta SkyMiles® Gold American Express Card

Lisa Cahill, Credit Cards Moderator

@lisacahill • 10/28/21 This answer was first published on 10/28/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Delta SkyMiles® Gold American Express Card interest rate is 20.74% - 29.74% (V), with the actual rate depending on factors such as your income, credit history and existing debt. This Delta Gold Card card interest rate is variable, meaning it can change based on certain economic conditions.

The Delta Gold Card gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card’s payment due date. You won’t owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your Delta Gold Card card, it will accumulate interest daily at the card’s regular APR.

In addition to the regular interest rate, Delta Gold Card also charges a separate 29.99% (V) interest rate on cash advances. All Delta Gold Card card interest rates will be listed on your statement and on your online account summary.

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What is the highest credit card interest rate?

The highest credit card interest rate in recent memory was 79.9% on a card offered by First Premier Bank in 2010. That offer’s not available anymore. The current highest credit card interest rate is 36%. That’s on the First PREMIER® Bank Credit Card. The next highest credit card interest rate seems to be 35.99%, charged by the Total Visa® Card and the First Access Visa® Card. These rates are very high when you consider that the average interest rate is only around 18%.

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What is a good interest rate on a credit card?

A good interest rate on a credit card is anything below 14%. That is roughly the average regular interest rate on credit cards for people with excellent credit. Even a relatively good interest rate on credit cards for people with lower scores is not all that low. For example, credit card users with good or fair credit could pay interest at an annual rate of 20%+ and still have a below-average APR. Better-than-average for a credit card overall isn’t much...

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How do I find the interest rate on my credit card?

To find the interest rate on your credit card, look at your cardmember agreement and your monthly credit card statements. Your interest rate will be there in the form of an annual percentage rate (APR). But as “annual” implies, an APR is the cumulative interest rate for a whole year, which isn’t all that helpful for calculating actual interest charges from day to day or month to month.

You can figure your daily interest...

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