 How does a cash reward program work? Typically, the program awards points, "dollars" or a cash value based on the amount you charge. The rate at which you collect points varies depending on what you charge or where you charge it. Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.
Some programs offer a variety of rewards. Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.
The goal is to get you the consumer to use your credit card as much as possible. Why? FEES! The credit card issuer makes money from two sources each time you use their card. First, from the merchant who pays the issuer a merchant transaction fee and secondly, from you through finance charges and late fees. A recent survey found that nearly half of U.S. cardholders enrolled in a credit card rewards program have never redeemed their points. However, 60% of consumers said rewards program influences their decision when deciding which credit card to use for a purchase.
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No balance transfer fee
Then enjoy the low APR: a fixed rate of 9.99% for the life of the transferred balance
10,000 Bonus SkyMiles® with first purchase
Earn at least 1 SkyMile for every eligible dollar you spend
Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
Your Delta Frequent Flyer number is printed on your Card
Your next vacation is closer than you think.
- Get 10,000 Bonus SkyMiles® with your first purchase. 1
- Earn Always Double Miles® on Delta purchases, at supermarkets, drugstores, gas stations, home improvement stores, the US Postal Service - even on your wireless phone bill payments. 2
- Earn one SkyMile for every other eligible dollar you charge.
Enjoy added convenience, security, and savings.
- Your frequent flyer number is conveniently printed on your Card.
- Shopping security with Purchase Protection 3 and Buyer's Assurance. 4
Get where you want to go sooner.
- No blackout dates
- SkyMiles never expire 5
- Choose from over 400 Delta award destinations worldwide.
1. 10,000 SkyMiles will be awarded after you use your Card for the first time. Please allow 6-8 weeks after you make your first purchase with the Card. This offer is valid for first-time Delta SkyMiles Cardmembers only. You may be permitted to have more than one Delta SkyMiles Credit Card Account, however you are eligible to receive welcome bonus miles for only one Card Account.
2. Offer applies at qualifying stand-alone supermarkets, drugstores, gas stations, home improvement and hardware stores, and the U.S. Postal Service. Not valid in the departments of superstores or warehouse clubs. American Express® Cards are not currently accepted for bulk mail. Offer applies for wireless phone bill payments only. To pay your wireless phone bill automatically using your Delta SkyMiles Credit Card, please call your wireless service provider. Offer applies to qualifying Delta or Delta Connection® flights taken with the purchase of a fare that is eligible for frequent flyer mileage credit. Offer applies to Delta Vacations® packages but not other all-inclusive packages.In each year of Cardmembership, your miles are limited to $60,000 of eligible spending ($100,000 for Gold Delta SkyMiles Cardmembers, unlimited for Platinum Delta SkyMiles Cardmembers), not including bonuses.
However, one mile for each U.S. dollar of eligible spending on Delta charges will be awarded aboe this limit. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month.
3. The Buyer's Assurance Plan coverage is limited to eligible products costing $10,000 or less, excluding taxes, up to $50,000 per Cardmember account per policy year. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.
4. The Purchase Protection Plan covers items purchased with the Card for 90 days from the date of purchase, up to $1,000 per occurrence, $50,000 per Cardmember per policy year, in excess of other applicable insurance. For more details or to file a claim, call 1-800-322-1277. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.
5. Mileage will not expire as long as members participate every three years in one of the following: travel on a qualifying Delta, Delta Connection, Delta Shuttle flight, redeem miles for a SkyMiles Award, or accrue miles with one of the SkyMiles program partners, including the Delta SkyMiles Credit Card.
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