Amex Delta Platinum Minimum Payment Scenarios
- 1% of the statement balance plus any interest charged on the monthly billing statement.read full answer
- 2% of the statement balance .
Once the highest amount is determined from those options, Amex will then add any penalty fees listed on the billing statement, along with up to 1/24th of any overlimit amount, any plan payment due, and any amount past due.
The minimum payment is the smallest amount youre obligated to pay by the due date for your Amex Delta Platinum account to be in good standing. To avoid paying interest, youll want to pay your balance in full each month rather than just the minimum.
No, the Amex Delta Platinum Card does not have a 0% APR intro period for new purchases. If youre planning on making a large upcoming purchase and you dont anticipate paying off the balance for a few months, the Amex Delta Platinum Card is not a great credit card to use.read full answer
Alternatively, you can check out the best 0% APR credit cards of 2022, selected by WalletHubs editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.
Extended Warranty & Purchase Protection
If youre spending money on the Reserve Card, there are some perks that may make you feel more secure in your purchases, including:
- Purchase protection, so youre covered for up to 90 days from the date of purchase when you charge your eligible purchased item to your card
- Extended warranty, so you can get an extra year added to the original manufacturers warranty, on warranties of five years or less
In both cases, youll want to check your cardmember agreement for all of the terms.
Delta Air Lines Raised Their Baggage Fees But Heres How You Can Avoid Them
Delta Air Lines baggage fees on select flights were raised in 2018. If you havent booked your next transatlantic flight, you might consider these alternatives to avoid the higher fees. Even if Delta Air Lines is your only option, there are ways to still dodge the baggage fee.
You can find the most up-to-date information on the Delta Air Lines baggage policy here.
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Earn Medallion Qualifying Miles
Delta is one of the airlines that makes it easiest to earn status through credit card spending. The Delta Reserve Card is the best Delta credit card for earning status. With the Delta Reserve Card you:
- Earn 15,000 bonus MQMs after spending $30,000 in a calendar year
- Earn an additional 15,000 bonus MQMs after spending $60,000 in a calendar year
- Earn an additional 15,000 bonus MQMs after spending $90,000 in a calendar year
- Earn an additional 15,000 bonus MQMs after spending $120,000 in a calendar year
All MQMs earned with Delta credit cards even qualify towards lifetime status in the SkyMiles program.
No Matter What The Airline Begin Your Search By Looking For Space Segment By Segment
You would be surprised how much more availability you will discover if searching this way. The only caveat is that Delta imposes a restriction known as journey control. This means that if you find space from Boston to Atlanta and Atlanta to Lima independently, it may not be there if you search for it as a Boston to Lima award.
Delta employs this limitation on many routes, and it can sometimes cause a snafu for your travel plans. Still, the best way to begin searching for award space is to look segment by segment.
Pay With A Delta Credit Card
With the three personal Delta credit cards or their business versions, the first checked bag for you and 8 passengers fly for free. Thats a potential $1,080 savings round-trip if all nine bags are checked. Youll need to use one of the co-brand Delta credit cards that charge an annual fee. You can choose between the:
Best Delta Air Lines Credit Cards For 2022
Using Delta Air Lines credit cards is one of the easiest ways to maximize your SkyMiles membership. Not only can you earn SkyMiles on your purchases, but you also earn additional travel benefits, depending on your card. If you fly on Delta on a consistent basis, using a Delta-friendly credit card can help you book a free flight more often. Read on to learn more.
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Delta Skymiles Platinum American Express Card: Best Delta Credit Card Welcome Bonus
If you want to maximize your credit card rewards, you need to pick a credit card with an excellent welcome bonus and the Delta SkyMiles Platinum American Express Card delivers. Youll earn 50,000 miles and 5,000 MQMs after spending $2,000 in purchases in your first 3 months.
Thats why were recommending the Delta SkyMiles Platinum American Express card for people who want the most bonus for their buck and youll also get to take advantage of great SkyMile-earning opportunities and travel rewards, including 3 miles per dollar on Delta flights and purchases made directly with hotels, 2 miles per dollar on U.S. supermarket and restaurant purchases and 1 mile per dollar on general purchases. Add in free checked bags, priority boarding, a TSA Precheck/Global Entry application fee credit, Delta Sky Club lounge access for just $39 per person and an annual companion certificate, and youre looking at even more ongoing benefits.
The Business Credit Cards
Delta SkyMiles® Gold Business American Express Card: New cardholders can earn 70,000 bonus miles and a $50 statement credit after they make $2,000 in eligible purchases with the card within the first three months. This card is a good choice for small business owners who travel a few times per year and want to save on checked bag fees. Similar to the consumer card, there is a $0 introductory annual fee for the first year, then $99 after .
Delta SkyMiles® Platinum Business American Express Card: New cardholders can earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles plus a $100 statement credit after they make $3,000 in eligible purchases with the card within the first three months. This card is an excellent choice for business owners who want to earn Delta elite status and have someone who can use the companion certificate. The annual fee is $250 .
Delta SkyMiles® Reserve Business American Express Card: New cardholders can earn 80,000 bonus miles, 20,000 Medallion® Qualification Miles and a $200 statement credit after they make $5,000 in eligible purchases with the card within the first three months. This card is good for business owners who want access to the Delta SkyClub lounges,can take advantage of the companion certificateand want complimentary upgrades to either Comfort Plus or First Class seats.
Best For Card Benefits: Delta Skymiles Platinum American Express Card
Both the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum American Express Card offer a free checked bag and priority boarding on Delta® flights purchased with the card.
But the Delta SkyMiles® Platinum American Express Card goes a step further, offering a domestic main cabin round-trip companion certificate every year you renew your card. Payment of taxes and fees of no more than $75 for round-trip domestic flights is required. Baggage charges and other restrictions apply.
Best Delta Companion Certificate: Delta Skymiles Reserve Amex
If youre a Delta fanatic and want to maximize your Delta experience, youll ideally want a credit card that adds a layer of luxury to your trip by granting Delta Sky Club lounge access, as well as enhancing the journey in other ways. With a $550 annual fee , the Delta Reserve Amex packs an impressive set of Delta-focused perks.
The Delta Reserve Amex currently comes with 50,000 bonus miles and 10,000 Medallion Qualification Miles after you spend $3,000 in purchases on the card in the first three months after you open the account, plus up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first three months. This makes the bonus miles worth $550 in travel according to The Points Guy, in addition to the bonus MQMs if youre aiming for Delta elite status.
After your first renewal of the card, youll gain access to a lucrative annual companion certificate. This is essentially a buy-one-get-one for any domestic first class, Comfort+ or Main Cabin ticket to anywhere in the lower 48 US states. If you use this benefit on what would otherwise be an expensive round-trip ticket, you can get enough value from this perk alone to make the annual cost of the card worth it.
Outright membership to the Sky Club normally costs $545 annually, so those planning to pay up for access anyway should give strong consideration to getting this card instead, as the outlay is essentially equal in both scenarios.
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How Do Delta Skymiles Work
Delta SkyMiles are a rewards program currency that allow you earn award flights and other types of rewards, such as gift cards or merchandise, for spending money with Delta and through their co-branded credit cards. Once you have enough SkyMiles to make a redemption, you can visit the Delta SkyMiles program website and redeem your SkyMiles for rewards.
Blue Delta Skymiles One
New cardholders earn 10,000 bonus miles after spending $500 within the first three months of card membership. You’ll get the reward anywhere from eight to 12 weeks after you meet the minimum spending requirement.
While the offer is on par with similar airline cards, its mediocre compared to other cards in the Delta lineup. When redeemed for Delta domestic flights, it is estimated to be worth $154. The Delta Gold Amex card, on the other hand, offers 50,000 bonus miles after spending $1,000 within the first three months of membership, but it has an annual fee of $99, waived the first year.
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Delta Skymiles Reserve American Express Card: Best Credit Card For Delta Status
If you want a Delta credit card that can help you earn Medallion Qualification Miles and gain Delta Medallion status levels, check out the Delta SkyMiles Reserve American Express Card. The Delta Reserve Card is a premium travel card that is only available to people with excellent credit plus, it comes with a $550 annual fee. That said, this luxury credit card offers one of the best ways to earn elite Delta status as quickly as possible.
The Delta SkyMiles Reserve Amex card offers a limited time offer: Earn 50,000 Bonus Miles and 10,000 Medallion® Qualification Miles after you spend $3,000 in purchases on your new card in your first 3 months.
Additionally, the Delta Reserve card gives you the opportunity to earn 15,000 MQMs after spending $30,000 in a calendar year, and you can repeat this earning opportunity up to four times per year .
If you dont anticipate putting $30,000 on your Delta Reserve Card in a calendar year, you might be better off with the Delta Platinum Card especially because you have the potential to earn more SkyMiles per purchase with the Platinum Card than with the Reserve Card. The Reserve card offers 3 miles per dollar on eligible Delta purchases and 1 mile per dollar on general purchases, in contrast to the Platinum cards more generous miles rewards on additional categories.
Additional Perks Of The Delta Skymiles Blue American Express Card
There are additional incentives for being a Delta SkyMiles® Blue American Express Card cardholder. For starters, their welcome offer includes earning up to 10,000 miles when cardholders spend $500 within the first 3 months of membership. Cardholders also earn 2 miles for purchases at restaurants worldwide. You may also acquire two miles per dollar on purchases made directly with Delta.
Furthermore, if you make an in-flight purchase, you can earn 20% savings on your statement credit. If you prefer to use your card for shopping, know that youll get extended warranties and purchase protection on certain items. Additionally, you may qualify for exclusive entertainment events and pre-sale purchase opportunities.
You may use your Delta SkyMiles® Blue American Express Card for insurance on your car rental . Being a cardmember also gets you access to roadside assistance. Another bonus? Youll have access to the Global Assist Hotline should you have an emergency while you are away.
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Additional Options For Delta Flyers
If you mostly fly Delta using points and miles instead of on revenue fares, there are other non-Delta cards to consider.
As previously mentioned, Amex Membership Rewards points transfer to Delta at a 1:1 ratio and cards that earn Membership Rewards arent the only Amex options for racking up significant SkyMiles. You can actually get a much higher return on spending with some non-Delta-branded options from Amex.
Lets take a look at those other Amex cards:
Delta Skymiles Platinum Business Amex
The Delta SkyMiles® Platinum Business American Express Card is offering a three-part welcome bonus, which you earn after spending $3,000 within the first three months:
- Earn 60,000 Delta SkyMiles
- Earn 5,000 Medallion Qualifying Miles
- Earn a $100 statement credit
- The card has a $250 annual fee
Id say the four best perks of the Delta SkyMiles Platinum Business Amex Card are:
- An annual companion certificate, valid for a domestic roundtrip economy ticket
- A TSA Pre-Check or Global Entry fee credit once every five years
- The ability to buy discounted SkyClub access, at the cost of $39 per person per visit
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Why You Can Trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you\’re well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Earn Up To 90000 Skymiles And More With New Welcome Bonuses Across Delta Credit Cards
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Update: Some offers mentioned below are no longer available. View the current offers here.
Editors note: This post has been updated with new information.
Your Delta SkyMiles balance could really take off this fall with new, increased offers launching across almost all of Deltas cobranded credit cards.
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Update: Some offers mentioned below are no longer available. View the current offers here.
If youre hoping to rack up miles for a post-pandemic getaway, now is a great time to look at earning increased welcome bonuses. Amex and Delta are now offering elevated offers across almost all of their cobranded credit cards to the tune of up to 90,000 SkyMiles and more from one card bonus. These limited-time bonuses are only scheduled to be available until Nov. 10.
Let dive into each offer and see which might be a good fit for you.
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How Should You Choose A Delta Card
Use our recommendations above to guide your evaluation, then consider the following:
SkyMiles value: Two miles per $1 spent on flights is a typical miles-earning rate among airline cards, but redemption value is a key part of the overall equation when choosing a rewards card. Our research found SkyMiles are worth 1.44 cents each, on averagea very respectable value, though not the best. Competitors including United Airlines have miles topping 2 cents, according to our calculations.
Earn More Delta Skymiles With General Travel Rewards Cards
The primary benefit of getting a Delta-branded credit card is the chance to get special perks every time you fly with the airline.
But if youre looking for opportunities to earn more rewards on Delta flights, it may be worth getting a general travel rewards card instead specifically, a card that allows you to transfer your rewards to Delta or one of the airlines partners.
With Delta partners, such as Virgin Atlantic, you can book Delta flights with miles you have with the partner airline. So even if youre not transferring to Delta, you can still get on Delta flights.
These cards can also give you some extra flexibility with your rewards compared with Delta SkyMiles cards. Instead of forcing you to use your points or miles to book Delta flights, you can typically also book other types of travel or transfer your points to other airlines and even hotel brands.
So unless your top priority is getting free checked bags, priority boarding, and other Delta-specific benefits, a general travel rewards card may be a better choice. Just be aware that you may end up paying a higher annual fee. But depending on how you earn rewards and use benefits, its possible to make up for that cost in value. Here are some to consider:
|$250 Terms apply||4X Membership Rewards points at U.S. supermarkets and at restaurants, 3X on flights booked directly with airlines or on Amextravel.com, and 1X on all other eligible purchases||1:1||$120 dining credit|
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