A Delta credit card works similarly to any other credit card, except that it is co-branded with Delta, so the cardholder receives Delta SkyMiles as rewards for purchases. Cardholders can redeem these rewards for free flights, seat upgrades, gift cards, charitable donations and more. In addition, depending on the card, Delta credit cards offer supplemental benefits such as free checked bags, flight credits, discounts on in-flight purchases, and airport lounge access.
Other than that, a Delta credit card is fairly normal. You can charge purchases to the card (including both Delta and non-Delta expenses), and then you must pay the card’s issuer back. You can choose to pay your balance in full each month or carry part of it between months, in which case you will owe interest.
How a Delta Credit Card Works
- The cardholder makes purchases with the card and earns Delta SkyMiles for each dollar spent.
- The cardholder receives a monthly bill, which states the minimum monthly payment the cardholder must make.
- The cardholder chooses to pay all of the balance or at least the minimum payment. If they pay less than the full balance, they owe interest.
- The issuer provides information about the account, including the payment status, to the credit bureaus each month.
- The cardholder receives Delta SkyMiles as rewards for their purchases 8-12 weeks after the end of each billing cycle.
- The rewards can be redeemed for flights with Delta and its partners, seat upgrades, gift cards, magazines, charitable donations and more through the cardholder’s online account.
There are other things to know about how a Delta credit card works, but the details vary by card. For example, if you take out a cash advance, you’ll owe a cash advance fee and have a separate APR for that balance. And some Delta cards provide supplemental benefits outside of their rewards, such as discounts on in-flight food and beverages. It’s important to read up on an individual card’s terms and benefits before applying.
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