American Express Consumer Cards


With people starting to again plan trips but perhaps facing some wounded wallets, credit card points can be a great tool to help make those travel wishes become a reality.

American Express and Chase are a couple of heavyweights in the travel rewards credit card world. And that’s especially the case with their products offering transferrable points. (Amex’s Membership Rewards and Chase’s Ultimate Rewards.) These cards are helpful because you’re not necessarily “locked in” to one loyalty program.

For example, you can’t transfer Delta SkyMiles to another program. You have to use them for redemptions offered only by Delta.

Having transferrable points gives you a lot more travel options. Maybe your preferred airline constantly devalues its partner redemptions. Then you discover a different carrier offers a better awards deal to a dream destination. If you don’t have the points to pay for the other airline’s great rewards points, then you’re kinda stuck.

That’s where cards such as American Express Membership Rewards and Chase Ultimate Rewards comes in. Both offer decent lists of airline and hotel partners to whom points can be transferred on (generally) a 1:1 basis. And they overlap in nearly 10 different programs.

Let’s take a look.

Delta’s blocked middle seats policy will expire on April 30. That was part of the news announced yesterday along with some great MQM, MQS, and MQD bonuses.

Some people are understandably nervous about getting back on planes. But if you’re really concerned about physical distancing and need an open seat next you on Delta flights, we have a solution that might help you.

When it rains, it pours. That’s how it shakes out with a number of my credit card renewal dates. Spring is when my Amex Platinum (consumer/personal and business) annual fees hit. Fall is for my Delta Reserve Business American Express and Chase Sapphire Reserve.

And that’s when I decide whether to keep or cancel a credit cards.

A couple of weeks ago, I wrote about this year’s American Express Business Platinum card retention call. A few days later, I had to do something about the $550-a-year consumer version.

RenesPoints Rookie

Welcome to a regular feature on the Renés Points blog. This blog series covers a “rookie” topic of either a Delta- or travel-related theme — and attempts to break it down to a basic level. You can read up on all the previous posts HERE. Now on to this featured topic.

I’ve heard several people say words to the effect of “Well, you can’t have more than one Delta American Express card.” They — and a few others — are also under the assumption you can’t earn bonus MQM from multiple Delta Amex cards.

With the welcome offers available now for Delta Amex cards, this is a good time to tackle those questions.

If you’re like me, you enjoy seeing side-by-side comparisons of products when trying to decide which is the best for you.

So with the big Delta American Express credit card offers that were recently announced — and my love of comparing credit cards 🙂 — I figure this is a great chance for us to look at the major differences and similarities between all four cards.

For people who’ve held at least one of these cards, we’d love to hear your input: which cards you like, ones you didn’t, which benefits were the most useful, and which didn’t really live up to your expectations.

Even if you currently have a Delta credit card, you can apply for one you haven’t already held — and still be eligible for its welcome offer. For example, if you hold the Delta SkyMiles Reserve American Express Card but want to pad your SkyMiles account, the Delta SkyMiles Gold American Express Card‘s welcome offer could look very tempting (especially considering that card’s annual fee is waived the first year).

If you’re thinking of applying for one of the cards — or even just reevaluating your overall credit card strategy — I hope this makes your decision easier.

American Express and Delta Air Lines just dropped some massive limited-time welcome offers for their cobranded SkyMiles credit cards.

Both flavors of the Delta Reserve card — the personal and business — offer a huge 20,000 MQM bonus and 80,000 bonus SkyMiles after spending $5,000 on purchases within three months of being approved for the card.

And the Delta Platinum Amexes (personal and business) both offer a hefty 90,000 bonus SkyMiles after new cardholders spend $3,000 on eligible purchases within three months of being approved.

Even the Delta Gold Amexes got into the act! The personal and business both offer a generous 70,000 bonus SkyMiles after new cardholders spend $2,000 on eligible purchases within three months of being approved.

Considering that award travel is possibly better for some Platinum and Diamond Medallions, these bonuses could help make some trips become a reality.

Delta jet tails are seen at Minneapolis−Saint Paul International Airport (MSP) in Bloomington, Minnesota.

The business cards’ welcome offers also include statement credits.

These offers expire on Wednesday, April 28, 2021.

Let’s check out each card’s welcome offer in a little more detail!

Just a quick reminder that February’s a short month and only a few days remain to take advantage of your monthly card benefits.

American Express this year announced both temporary and permanent statement credits and cash deposits across 15 cards. (Remember that these statement credits and cash deposits expire if they’re not used.) And it could be a shame if you let them go to waste.

So let’s run down what’s out there.

My wife, in-laws, and I were all just invited to a wedding during fall 2021. We’ll likely bring our young daughter and another relative to keep an eye on her while we enjoy a couple of nights celebrating the lovely couple.

And, wow, the Delta Amex Companion Certificates will come in handy for that trip. We’ll save a bunch of money on flights — but which card will we use to buy the paid portion of each reservation?

After all, you don’t need to use a Delta American Express card when booking a Companion Certificate trip.

RenesPoints Rookie

Welcome to a regular feature on the Renés Points blog. This blog series covers in a “rookie” way either a Delta or travel related theme and attempts to break down to a basic level each topic. You can read up on all the previous posts HERE. Now on to this featured topic.

The least wonderful time of the year (tax season) can actually be quite helpful. Why? Paying taxes with credit cards is a great way to earn points and meet minimum spend thresholds.