Update: These offers for the Platinum Delta SkyMiles® Business Credit Card from American Express, the Platinum Delta SkyMiles® Credit Card from American Express and the Starwood Preferred Guest® Credit Card from American Express have expired. Learn more about the current offers here.
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Through Wednesday American Express has increased bonuses on several of their excellent co-branded credit cards. Not only do these cards have big welcome bonuses, but they also offer perks that could make them worth holding onto long term. You’re potentially eligible for all four cards, with each individual card having a “once in a lifetime” restriction.
With these bonuses around for just a couple more days, it’s crunch time for my family, as they decide which of these cards to apply for.
Why I’m not applying for a Delta Amex Card
The simple reason is that I’m maxed out on Amex credit cards, unfortunately. Amex lets you have at most five credit cards at any given time (excluding charge cards, like The Platinum Card® from American Express), and unfortunately that’s exactly how many Amex credit cards I have. Specifically, I have:
- Starwood Preferred Guest® Credit Card from American Express
- Starwood Preferred Guest® Business Credit Card from American Express
- Hilton Honors™ Surpass Card from American Express
- The Amex EveryDay® Preferred Credit Card from American Express
- The Blue Business℠ Plus Credit Card from American Express
I’m getting value out of all five of these credit cards, so I’m not in a position to cancel any of them. I wish I were.
Several family members are picking up one Delta Amex Card
My dad, my mom, and Ford, all aren’t maxed out on Amex cards, so they’d all be eligible to take advantage of these offers. However, at least my dad and Ford have had the Gold Delta SkyMiles Personal Card and Gold Delta SkyMiles Business Card in the past, so aren’t eligible for those again.
So, why are they selecting the Platinum Delta SkyMiles Business Card over the Platinum Delta SkyMiles Personal Card? Both have similar benefits, but applying for the business version of the card wouldn’t count towards the 5/24 limit, so there’s a significant benefit to that. They all also have small businesses, and typically it’s quite easy for those with excellent credit to be approved for Amex business cards.
In terms of the overall value proposition of the card, the Platinum Delta SkyMiles Business Card offers 70,000 SkyMiles plus 10,000 Medallion Qualifying Miles after spending $3,000 within three months, plus a $100 statement credit after making a Delta purchase within the first three months. The card has a $195 annual fee. Here’s how I view the math:
- The 70,000 SkyMiles are worth an absolute minimum of $700, since each SkyMile can be redeemed for one cent towards the cost of a Delta ticket
- The $100 statement credit can be activated by purchasing a $50 Delta gift card, meaning they’d get a $50 Delta gift card and make a “direct” $50 profit
- The 10,000 MQMs will be especially useful for my dad, as they’ll help him reach million miler status
Regardless of which of these Delta Amex offers you’re considering, I’d highly recommend applying in the next couple of days, as these offers really are excellent. At a minimum SkyMiles will get you at least one cent each towards the cost of a Delta ticket, which is solid when you consider these welcome bonuses can get you up to 60,000-70,000 bonus miles.
For those applying for Delta Amex Cards, which version of the card are you picking up?