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The SkyPoints™ Credit Card from Delta and
American Express is designed for those with average credit who would like to
earn discounts on Delta and Song® ticket purchases.
Through the reward program, cardholders earn double SkyPoints™ for every dollar
spent at supermarkets, gas stations, drugstores, home improvement and hardware
stores, the U.S. Postal Service, on Delta and Song® purchases, and for wireless
phone bills, and they earn one SkyPoint™ for all other eligible purchases.
Cardholders also earn up to 7,500 SkyPoints™ after their first purchase.
SkyPoints™ are redeemable for up to 75% off the first $500 of an eligible ticket
price, and they are also transferable to SkyMiles®. SkyPoints™ are only awarded
on purchases of up to $60,000 per year, not including promotional SkyPoints™
offers and the additional SkyPoint™ awarded for double SkyPoints™ purchases, and
SkyPoints™ will not expire as long as one of the cardholder's qualifying
accounts are active at least once every three years.
The annual fee of $49 is waived for the first year, and there is no annual fee
for cardholders that maintain an American Express consumer charge card account.
The APR for purchases and balance transfers is above average and it is not ideal
for those who plan to carry a revolving balance. However, there is a 9.99%
introductory rate that applies to balance transfers until they are paid in full
as long as the balance transfer is submitted with the application.
Cardholders can also expect many common benefits and services such as up to
$100,000 in travel accident insurance, extended warranties for purchases,
roadside assistance, and auto rental insurance.
Therefore, those who will use the card at participating merchants (to earn
double SkyPoints™) and plan to pay in full each month (to avoid finance charges)
will benefit most from what the SkyPoints™ Credit Card from Delta and American
Express has to offer.
Review Date: May 1st, 2007 |
