What is the Amex Delta Platinum card interest rate? This question is about the Delta SkyMiles® Platinum American Express Card

What is the Amex Delta Platinum card interest rate?

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

Lisa Cahill, Credit Cards Moderator

@lisacahill • 10/27/21 This answer was first published on 10/27/21. 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® Platinum 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. The regular Amex Delta Platinum card interest rate is variable, meaning it can change based on certain economic conditions.

Amex Delta Platinum 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 Amex Delta Platinum card, it will accumulate interest daily at the card’s regular APR.

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

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How much is the Platinum Delta SkyMiles annual fee?

The Delta SkyMiles® Platinum American Express Card annual fee is $250. Although this fee is relatively high, it is offset by a Delta companion certificate. This perk is offered each year when you renew your membership and pay the annual fee. Amex Delta Platinum also offers 50,000 miles after spending $3,000 in the first 6 months, which more than makes up for the cost of the annual fee.

You also get perks like travel insurance and a free checked bag on Delta flights. But keep in mind that Amex Delta Platinum’s $250...

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What is the Delta American Express Platinum upgrade offer?

There’s no official Amex Delta Platinum upgrade offer that anyone can take Amex up on. But Amex sometimes presents targeted upgrade offers to certain customers. To check for one of these, log in to your American Express account and select “Amex Offers.” You’ll see whether you have any upgrade offers.

If you don’t see any offers, you can still request an upgrade. Call customer service at (800) 528-4800, and say “Apply for upgrade” when the automated system asks...

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What are the Amex Platinum Delta benefits?

The Delta SkyMiles® Platinum American Express Card’s benefits include travel insurance, free checked bags and priority boarding on Delta flights, discounted Delta Sky Club access, and discounts for refreshments and headphones when flying with Delta. Another perk is the card’s initial bonus offer: 50,000 miles after spending $3,000 in the first 6 months. This card offers benefits such as purchase protection and extended warranty, too.

Its travel insurance includes coverage for rental cars and lost or stolen baggage. Since it's an airline credit card, most of this card’s...

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