Can You Have 2 Delta AmEx Credit Cards?

As a frequent Delta Air Strains flyer, you could be questioning whether or not a co-branded Delta SkyMiles bank card from American Categorical could be a superb match on your travels. Or, in case you already maintain one in every of these playing cards, you could be asking — can you’ve two Delta AmEx bank cards?

The brief reply is sure, it’s potential to carry two and even three Delta playing cards to earn extra SkyMiles. Nonetheless, you’ve to concentrate on particular guidelines earlier than making use of for a number of playing cards without delay. Right here’s what that you must learn about holding a number of Delta AmEx bank cards.

Delta and American Categorical provide a number of co-branded SkyMiles bank cards to customers and enterprise house owners. Shoppers have 4 playing cards out there to them, and enterprise house owners have three.

Let’s check out what welcome affords, annual charges and additional advantages you may anticipate from every Delta SkyMiles card (on prime of incomes miles on spending):

• Delta SkyMiles® Gold American Categorical Card: Earn 40,000 bonus miles after you spend $1,000 in purchases in your new Card in your first 3 months. Phrases Apply. Additionally get a complimentary checked bag for you and your journey companions, precedence boarding, and a $100 Delta credit score after spending $10,000 on the cardboard in a calendar yr. The annual price is $0 intro for the primary yr, then $99.

• Delta SkyMiles® Reserve American Categorical Card: Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases in your new Card in your first 3 months. Phrases Apply. Advantages embody International Entry/TSA PreCheck credit score, Standing Enhance, complimentary Sky Membership entry for the cardholder plus two one-day visitor passes per yr, complimentary Centurion Lounge entry and an annual companion certificates for economic system, Consolation+ or top notch. The annual price is $550.

• Delta SkyMiles® Gold Enterprise American Categorical Card: Restricted Time Provide: Earn 75,000 bonus miles after spending $3,000 in purchases in your new Card in your first 3 months of Card Membership. Provide Ends 4/13/2022. Phrases Apply. Additionally get a complimentary checked bag for you and your companions, precedence boarding, and a $100 Delta credit score after spending $10,000 on the cardboard in a calendar yr. The annual price is $0 intro for the primary yr, then $99.

• Delta SkyMiles® Platinum Enterprise American Categorical Card: Restricted Time Provide: Earn 100,000 bonus miles after spending $4,000 in purchases in your new Card in your first 3 months of Card Membership. Provide Ends 4/13/2022. Phrases Apply. Additionally get International Entry/TSA PreCheck credit score, Standing Enhance, discounted Sky Membership entry and an annual companion certificates for economic system class (at renewal). The annual price is $250.

• Delta SkyMiles® Reserve Enterprise American Categorical Card: Restricted Time Provide: Earn 110,000 bonus miles after spending $6,000 in purchases in your new Card in your first 3 months of Card Membership. Provide Ends 4/13/2022. Phrases Apply. Take pleasure in International Entry/TSA PreCheck credit score, Standing Enhance, complimentary Sky Membership entry for the cardholder plus two one-day visitor passes per yr, complimentary Centurion Lounge entry and an annual companion certificates for economic system, Consolation+ or top notch. The annual price is $550.

American Categorical limits issuing welcome affords on its playing cards to as soon as per lifetime. So, for instance, in case you’ve had the Delta SkyMiles® Gold American Categorical Card and have earned a welcome bonus provide on this card, you’re not eligible to obtain one other provide on the identical bank card sooner or later, even in case you shut the cardboard.

Nonetheless — and concentrate as a result of that is nice information — it’s potential to obtain a welcome bonus provide on a unique Delta card, such because the Delta SkyMiles® Platinum American Categorical Card. As a result of these two bank cards are thought of completely different merchandise, you’re free to use for each playing cards and earn a welcome bonus provide for every.

The identical logic applies to private and enterprise playing cards. The Delta SkyMiles® Gold American Categorical Card and the Delta SkyMiles® Gold Enterprise American Categorical Card are completely different card merchandise within the eyes of AmEx, so in case you’re a small enterprise proprietor, you’re eligible to earn a welcome bonus provide from a private card and a enterprise card.

However take be aware, even if you’re eligible for the welcome bonus affords above in principle, American Categorical might also have a look at the variety of its playing cards you’ve opened and closed earlier than deciding in case you’re eligible for a selected welcome bonus. If AmEx thinks you’re misusing its welcome affords, you could lose your eligibility.

You additionally should watch out with bank card upgrades and downgrades.

Say, you opened the Delta SkyMiles® Platinum American Categorical Card, used it for a couple of years and determined that the $250 annual price is just too excessive. You downgrade it to the Delta SkyMiles® Gold American Categorical Card and save about $150 per yr in charges. Nonetheless, now that you simply maintain the Delta SkyMiles® Gold American Categorical Card, you’re not eligible for a welcome bonus provide on the cardboard even in case you hadn’t acquired one on this card earlier than.

Due to the once-per-lifetime restrictions on AmEx welcome affords, we advocate making use of for a Delta SkyMiles card solely when the provide is excessive, 60,000 to 75,000 Delta SkyMiles or extra. If it’s at 30,000 to 40,000 Delta SkyMiles, it’s finest to attend to use.

Earlier than you run to use for Delta SkyMiles bank cards, there’s one other rule it’s important to know. Typically talking, you may solely maintain a most of 5 American Categorical-issued bank cards at a time. This may embody something from 5 private playing cards to a mixture of private and enterprise playing cards, however it may well’t be greater than 5.

Because of this, it’s important to watch out along with your bank card picks, particularly in case you have different AmEx playing cards in thoughts, similar to Hilton or Marriott co-branded playing cards.

Additionally, needless to say most individuals can’t apply for greater than two American Categorical playing cards in a 90-day interval.

The excellent news is that it’s potential to have each Delta SkyMiles AmEx card below the solar in some unspecified time in the future in time. The unhealthy information is you may solely earn a welcome bonus on every card as soon as per lifetime, and you could lose eligibility for bonuses relying in your AmEx card historical past. So be certain that to time your purposes with a excessive provide and don’t overlook which you could maintain not more than 5 American Categorical bank cards without delay.

You desire a journey bank card that prioritizes what’s necessary to you. Listed below are our picks for the finest journey bank cards of 2022, together with these finest for: