Can You Earn 260K+ SkyMiles By Applying For All 4 Delta Amex Cards?

Update: These offers for the Gold Delta SkyMiles® Business Credit Card from American Express, the Gold Delta SkyMiles® Credit Card from American Express, the Platinum Delta SkyMiles® Business Credit Card from American Express and the Platinum Delta SkyMiles® Credit Card from American Express have expired. Learn more about the current offers here.


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As I first wrote about on Thursday, through November 8 we’re seeing increased welcome bonuses on Delta’s co-branded American Express cards. The basic details of these offers are as follows:

With the Gold cards offering up to 60K bonus SkyMiles and the Platinum cards offering up to 70K bonus SkyMiles, I’ve had several readers ask whether it’s possible to get all four cards and earn 260K bonus SkyMiles. The answer is… sort of, but not really. Let me explain.

These cards are all considered separate products

The good news is that all four of these cards are considered separate products. So you can earn the welcome bonus on both the Platinum Delta SkyMiles Personal Card and the Platinum Delta SkyMiles Business Card, and similarly you can earn the welcome bonus on both the Gold Delta SkyMiles Personal Card and the Gold Delta SkyMiles Business Card. So yes, over time you can have all four of these cards, and earn the welcome bonuses on each of them

Do note that each of these cards has a “once in a lifetime” restriction on the welcome bonus, meaning you can only earn the bonus on each card once.

There are limits for how many total Amex cards you can have

Typically each person is limited to having at most five American Express credit cards at a time. It doesn’t matter whether those are personal or business cards. This doesn’t include charge cards, like The Business Platinum® Card from American Express OPENThe Platinum Card® from American ExpressThe Business Gold Rewards Card from American Express OPEN, and the Premier Rewards Gold Card from American Express. All Delta cards are credit cards and not charge cards.

So if you wanted to get all four of these cards, that’s one of the biggest limitations you’d face, since Amex has so many great cards, so personally I’d have a hard time making room in my Amex portfolio to get all of these at once.

The other major limitation is how many Amex cards you can apply for

This is more anecdotal than anything, since Amex doesn’t officially publish rules in this regard. However, generally you won’t be approved for more than two American Express credit cards in a 90 day period. Given that this promotion runs for just a bit over a month, that means that most people won’t be able to pick up more than two Delta credit cards during the promotion period. Some people report being approved for more cards, but that seems to be more the exception than the norm.

Bottom line

It is possible to earn the welcome bonuses on all four of Delta’s co-branded American Express cards. However, you’ll run into two major restrictions if doing so in the short term — the Amex five card limit, and also typically being limited to applying for two Amex credit cards in 90 days. So if you don’t yet have any of these cards, personally I’d consider applying for two of them, so you could earn 120-140K miles, which is quite a bonus. Delta seems to offer similar bonuses one or two times per year, so you can hopefully pick up the other cards in the future.

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Comments

  1. How useful are these delta miles? Most of my flights are international. In order to pick up a delta card I would likely have to close my SPG biz card. The AF just hit on it but I am having a hard time saying goodbye to it. I won’t give up my blue biz card because I get 2 pts on everything and an end of the year bonus. I have a no AF everyday card which I think I need to keep in order to be able to transfer points and I just got the hilton surpass a few months ago which I need to hold on to for the free night after a year. Rest of my cards are charge cards. Really not sure its worth giving up my spg card for this…

  2. The reason you’d want 260k DL miles is that it would get you 5-8 domestic round trips on by far the best domestic carrier. I don’t redeem my DL miles for anything but trips I already have to make domestically. Given how easy it is to rack up hundreds of thousands of bank points (MR/UR/TYP) while hardly trying, there’s simply no need to use Delta miles for international flights. And then I don’t have to feel bad about using valuable bank points on domestic trips…

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