Snapshot

Delta SkyMiles Reserve American Express Card
Delta SkyMiles Reserve American Express Card
 SoFi Credit Card
SoFi Credit Card
IssuerAmerican ExpressThe Bancorp Bank
NetworkAmerican ExpressMastercard
Card MaterialPlasticPlastic
Annual Fee$650.00$0.00
Base Rate1.00%2.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%0%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement——
Timeline——

Rewards Breakdown

Base Rate1.0% (base)2.0% (base)
Airline3.0%2.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.74% - 21.74%19.99% - 29.99%
Cash Advance APR28.74%29.99%
Penalty APR29.99%N/A
Late Fee$40$40
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental—Secondary
Baggage Delay——
Baggage Loss——
Cell Phone Protection—Up to $1,000 per claim
Extended Warranty——
Purchase Protection——
Return Protection——
Trip Cancellation Interruption——
Trip Delay——
Tsa Precheck Global Entry——

Usability & Experience

Digital WalletN/AN/A
Instant Card Number——
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard