Evelyn Boros, Credit Cards Moderator
@evelyn_boros
A Delta credit card costs $0 to $550+ per year, depending on the card’s annual fee and how the card is used. If you pay your Delta credit card balance in full every month, the annual fee is the only cost you will have to deal with, but if you carry a balance, you will owe interest. Delta credit cards also have additional fees for taking out cash advances or for paying late, but those types of fees are easier to avoid.
How Much a Delta Credit Card Costs
| Card Name | ||||
| Annual Fee | $0 | $0 intro 1st yr, $99 after | $250 | $550 |
| APR | 17.99% - 26.99% (V) | 17.99% - 26.99% (V) | 17.99% - 26.99% (V) | 17.99% - 26.99% (V) |
| Foreign Transaction Fee | 0% | 0% | 0% | 0% |
| Cash Advance Fee | 5% (min $10) | 5% (min $10) | 5% (min $10) | 5% (min $10) |
| Cash Advance APR | 27.49% (V) | 27.49% (V) | 27.49% (V) | 27.49% (V) |
| Max Late Fee | $40 | $40 | $40 | $40 |
It’s important to be aware of how much a Delta credit card costs before applying for one. The annual fee is especially important. If the value you will get from the card’s rewards and benefits in an average year does not exceed the cost of the annual fee, then the card is not worth applying for.
When it comes to APRs, if you plan to pay your balance in full each month, you don’t need to be as concerned about them. Interest only applies to balances you carry from month to month.
Delta SkyMiles® Gold American Express Card
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