- What AMEX card(s) am I going for next?
- Do you need an EIN number for business cards?
- Do business cards show up on your credit report?
- What Qualifies for the $50 Statement Credit on the Delta Gold Card(s)?
- Does the AMEX 4/5 card rule count business cards?
Lots of readers, myself included, have taken advantage of the
50,000 bonus points (OFFER EXPIRED — PLEASE SEE CURRENT OFFER) that are available to you if you have NEVER ever received the bonus before (here is how to check if AMEX says you have had the card). For many the business card is the best choice since you have likely already had the personal Gold card sometime in the past.
In addition to the bonus points, after spend, the card also comes with a sweet $50 credit. But maybe you are not planning on flying within the 3 months you have to get this credit (from approval date, not the date you get the card in the mail). Can you still spend it on something and get the credit? You bet, but first let’s look at the official T&C for the credit from AMEX:
$50 Statement Credit
One statement credit for $50 will be issued to your Card account after a Delta purchase is charged to your Gold Delta SkyMiles® Credit Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to make a Delta purchase may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Purchases to meet the spend requirement include those made by both the Basic and Additional Card Members on the Card Account. Purchase must be made directly through Delta. A purchase may not qualify for the statement credit if it is submitted under a merchant code that has not been categorized as a Delta merchant code as of the date of the purchase(s). Credit will be issued as a Card Member statement credit approximately 8-12 weeks after your first Delta purchase. Additional Card Members on your account are not eligible for this offer. To receive the $50 statement credit, your Card account must be active, in good standing, and not in default at the time of fulfillment. For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.
That is a long paragraph but let’s narrow it down a bit and talk about what does work and what does not work. First off what does work is just about anything Delta, that is, as talked about above, “merchant coded”. That means you could pay for:
- Bag fees
- A Delta ticket
- Change fees
- Ticket upgrade fees
- Club fees
- Food / drinks on-board
- Delta e-Gift cards
And so on. Pretty much anything Delta will trigger the credit. The one thing you really do NOT want to buy is a Gogo pass or use on-board as that is not billed via Delta.
Some other common questions about this credit:
Q) Do I have to spend the entire amount to get the credit?
A) No, any purchase will trigger the full $50 credit
Q) Can I spend more than $50 and get the credit?
A) Yes, again any amount will trigger the full credit.
Q) Can I pay for someone else’s fees and get the credit?
A) AMEX does not care as long as it codes as a Delta purchase
Q) If I buy a Delta gift card do I have to spend it inside 90 days?
A) No. You get the credit from AMEX then the e-Gift does not expire per Delta.
And this last one is truly a useful way of locking in this credit if you do not plan to fly as you can buy a $50 e-Gift card and then spend it whenever you want down the road on Delta tickets. Just keep in mind Delta will NOT track the e-Gift so it is up to you to keep track of the code for future use.
Personally I value my SkyMiles at 1.5-2 cents each so I feel the current personal and business offers are worth at least $750 in SkyMiles value plus $50 for the credit. Any new card you can get $800 in rewards for is one that is of real value.
Got any other questions? Fire away! – René
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by American Express.