My guess is many folks are thinking about dumping their Delta Air Lines / Amex co-branded credit cards (personal or business) in 2018. Why? Well, I kinda-sorta-maybe think it is because the bat crazy ¼ million spend number to be fully Delta MQD exempt was inflicted upon us. Oh, and did Amex lower the annual fee on any of their Delta cards for this or any of the other number of card member perk devaluations the past few years? That would be a big NOPE!
I feel you, I get you, I understand your pain. I myself, who currently holds a number of Delta Amex cards, will be keeping just one for 2018. But you may not want ANY going forward. Still, here are some things to think about before you cancel the card.
1) Wait till the annual fee bills before you dump the card. Why? You do not get any of your fee back if it has been more than 30 days since the last fee billed. Why not keep the card until the next fee bills then cancel if you want to. Oh, and if Delta Platinum or Reserve card wait a few days for your BOGO cert to load into your My Delta then cancel as it will not go away and you can still use it for a year (paying with ANY Amex card).
3) Make a retention call before you just cancel. Many readers are reporting getting ~$400 back on the Reserve cards due to the ¼ million dollar MQD change. Delta clearly is hurting their Amex partner while at the same time bragging up how many more card members have signed up this year. Strange partnership (or at least rather one sided).
So those are the steps to take before you move on to another card and maybe, for you, a better card. What card should you consider if you are still mostly a Delta flyer? To me the choice is super simple:
Yes the business card vs. the personal card, to me, is the clear and simple choice and a card I will hold and carry in my wallet until the day I die (as long as they do not change the program and perks that is). Why?
- $200 yearly travel credit + $100 Global Entry credit. For years and years buying Delta e-Gift cards has worked and this effectively lowers the fee down to $250 per year. Factor in my 1x every 5 years GOES credit and I am down to $230 per year. Not bad when you look at the rest of the perks.
- 10x International Gogo passes. OK they work on domestic flights too but I do not take much more than 10x international segments a year so this just covers me for the year at a great savings ( #ProTip: I use a second Gogo email / account to load my other 1x uses codes from other travel cards).
- Sky Club access when flying Delta. Let’s face it, starting in 2019, Delta is decimating the value of “real” Sky Club membership when they are only allowing members who are flying Delta (or partners) to use their membership. How stupid is this I ask you? The result is any card that gets you access is just as good as real club membership. Heck, the non-Delta Amex Platinum card even works with the Diamond Medallion Choice Benefit guest pass add-on option (see why I love this card so much)!
- Centurion Lounge access. I really value this as every year I spend a great deal of time in these Amex branded lounges (and can bring in 2 guests free as well). Honestly this alone is reason enough for me to hold this card each year.
- 35% Points back when booking Delta tickets. I choose Delta as my yearly default airline to get the bonus points back booking coach or business on the Amex travel site. Do keep in mind any airline you book in business class on Amex travel you get the bonus points back as well.
- 5x Points when booking flights. I have to say I tend to not take advantage of this feature of booking on Amex travel but I probably should. Instead I use my Citi Prestige card for the amazing travel insurance included but have never used it once. I need to rethink this and likely book on Amex travel for more points value back.
- SPG / Marriott & Hilton Gold status. Getting mid tier hotel status with sweet perks just for holding this card is simply amazing. I use these perks and never have to worry about how many nights I stay at either brand.
Bottom line, The Business Platinum® Card from American Express OPEN, is the card to consider if you are dumping your Delta SkyMiles Amex credit card next year. Between the perks, the solid points earnings potential and tie-in with Delta makes it a clear winner to me (not to mention the new card bonus offer as well).
You tell me. Are you considering dumping one (or more) of your Delta Amex cards in 2018? If so, what card (or cards) are you considering as a replacement card for your travel needs? – René