Check Your Credit Cards for Annual Fee Refunds, Retention Offers and New Category Bonuses

The economy is in a definite downturn due to COVID-19, and many people are doing far less traveling and less travel-related spending than normal.

In response, credit card companies are working hard to entice people to keep their credit cards rather than close their accounts.

Many of the big card issuers have proactively issued statement credits or other bonuses, or added temporarily enhanced benefits for all customers of certain cards.

For other card issuers or other credit cards, customers need to call and ask about offers to see what they may be targeted to receive.

Many cards are offering additional bonuses in categories in which those cards historically have not offered bonuses.  This is to encourage customers to use the card more.  For example, Chase is offering 5 Ultimate Rewards points per dollar on grocery store purchases for the new few months.  Similarly, American Express is offering 4 Delta Sky Miles per dollar on grocery store purchases with their Delta co-branded cards.

Another benefit is that the travel credit on certain cards can be triggered for spending that is not travel-related.  For example, the Citi Prestige card $250 travel credit can be used at supermarkets and restaurants.

This post is a heads-up, not a comprehensive roundup of all the changes on the major cards.

In light of recent changes, it behooves all of us to check our credit card portfolio and figure out which cards make the most sense for certain types of spending.

Sample articles with more details:

The Points Guy - temporary perks on Amex cards

Marketwatch - annual fee partial rebates on certain cards

Frequent Miler - COVID-related Credit Card Benefit Enhancements - Ultimate Guide 

Delta Amex Card - Sign up By 1/29/2020 to Avoid Annual Fee Increases

This week, American Express announced changes to their Delta Amex credit cards.  Among the changes is annual fee increases for all of the Delta-branded Amex cards.  Some benefits have been improved or added, though this post does not delve into all the changes.  This post is a heads-up that signing up now makes sense, to get the card before the annual fee increases take effect.

The changes take effect on Jan 30, 2020.  

Also, this week, Amex announced higher-than-normal sign-up bonuses for its personal Delta Amex credit cards.  (The business versions of the Gold, Platinum, and Reserve Delta Amex cards currently have mediocre sign-up bonuses; only the personal versions are worth signing up for right now.)

These good sign-up bonuses are typically offered twice a year. These offers were previously offered 1st quarter 2019.

The increased bonuses for the Platinum and Reserve card are currently available only via referral from existing cardholders.  The Gold card signup bonus is the same via referral as the public offer.  

Please click my link if you are interested in any of the offers below.

http://refer.amex.us/JASONWc8CN?XLINK=MYCP

After clicking the referral link, click the 'View all Cards with a Referral Offer' link, then click the 'Looking for a Personal Card?' link to see the personal Delta Amex cards.

Background Reading

Frequent Miler and Rene's Points both have decent recaps and analysis of the changes.  Many of the changes are positive and many are negative.

For current cardholders it is really a personal decision as to how the card changes affect your own decision whether to cancel, keep, downgrade, or replace one card with another.  For me, the loss of 15k bonus SkyMiles at $30k and another 15k miles at $60k is a major blow.  That, along with the annual fee increase, has me feeling that the Reserve card is no longer worth it.

My bottom line analysis is that post-changes, the Platinum card makes more sense than the Reserve card for most folks.  More details available in the articles below:

https://frequentmiler.boardingarea.com/delta-credit-cards-huge-changes-coming/https://renespoints.boardingarea.com/2019/09/30/major-changes-and-higher-fees-coming-to-delta-american-express-cards/https://renespoints.boardingarea.com/2019/09/30/my-thoughts-on-the-new-delta-american-express-benefits-fees-and-more/

Last Day for Increased Delta Amex Credit Card Signup Bonuses

Weds April 3rd - today - is the last day to get higher-than-normal signup bonuses for several Delta-branded American Express credit cards.

The increased bonuses for new customers are available only via referral from existing cardholders.  Please click my link if you are interested in any of the offers below.

http://refer.amex.us/JASONW2rUF?XLINK=MYCP 

After clicking the link, click the View all Cards with a Referral Offer to see the other Delta Amex personal credit cards.  To see the Delta Amex business credit cards, click the Looking for a Business Card? link

Recap of Current Signup Bonuses - Delta Amex Personal Credit Cards

• Gold Delta SkyMiles card:  60,000 SkyMiles + $50 statement credit after $2,000 spend in first 3 months.  Annual fee waived first year, then $95/yr
• Platinum Delta SkyMiles card:  75,000 SkyMiles + 5,000 MQMs (toward elite status earning) + $100 statement credit after $3,000 spend in first 3 mos.  $195 annual fee (NOT waived first year)
• Delta Reserve card:  75,000 SkyMiles + 5,000 MQMs after $5,000 spend in 3 mos.  $450 annual fee (NOT waived first year)
• Blue Delta SkyMiles card - this is NOT a good card.  Signup bonus is only 10,000 miles after $500 spend in first 3 mos.  No annual fee.  Earning rate is only 1/2 SkyMile per $1 on most purchases except Delta purchases - terrible

Recap of Current Signup Bonuses - Delta Amex Business Credit Cards

The business cards have signup bonuses that are in some cases better than the personal cards, although not everyone may be comfortable applying for a business credit card.  For some reason, the increased signup bonuses are not working via referral link, but they are still publicly available.  Click the Frequent Miler article below for links to the application pages

• Gold Delta SkyMiles Business card:  70,000 SkyMiles + $50 statement credit after $4,000 spend in 3 mos.  Annual fee $95/yr waived first year
• Platinum Delta SkyMiles Business card:  80,000 SkyMiles + 5,000 MQMs + $100 statement credit after $6,000 spend in 3 mos.  $195 annual fee (NOT waived first year)

Background reading

https://frequentmiler.boardingarea.com/increased-referral-offers-on-delta-personal-cards/
https://frequentmiler.boardingarea.com/inceased-delta-biz-offers-now-too/

70k SkyMiles + 1 year Delta Sky Club access + 10k MQMs for $450

[This offer was previously 40,000 miles, and in the past has been as low as 10,000 miles, but is offered now at 70,000 miles which is by far the best offer ever on this card.]

American Express is offering a signup bonus of 70,000 Delta SkyMiles plus 10,000 MQMs on the Amex Delta Reserve business credit card.  Signup bonus requires $5,000 spend within first 3 months.

Below is my referral URL for the Business version of the Amex Delta Reserve Card.

http://refer.amex.us/JASONWXtbm?XLINK=MYCP

If you apply, I'd appreciate you using my referral link as I'll earn some free SkyMiles.  The offer via referral is the same as the publicly available offer, so you don't lose anything by using the link.  Referral offer on business version of the card ends on 11/07/2018.

Card also provides free Delta Sky Club access for cardholder when traveling on same-day Delta flight.

This is the first time so many SkyMiles  are included in the sign-up bonus for the Reserve card.  (The *personal* Reserve card signup bonus is still 40,000 SkyMiles.)  in the past, the bonus has fluctuated between 10k and 40k SkyMiles, plus the 10k Medallion Qualifying Miles (MQMs, aka Delta elite status qualifying miles).

The business version of the card is great because most business credit cards do NOT hit your personal credit report or affect your credit inquiries or credit score.  Anyone can apply for a business credit card; you do NOT need an incorporated business or a company Tax ID number to be approved for a business credit card.  All you need is a legitimate small business or side business with a history of decent amount of revenue and a good amount of expected expenses.

Annual fee on this card is $450, which is steep, but still cheaper than buying a Sky Club membership separately.  Delta Diamond members can choose free individual Sky Club membership (costs one of the member's three Choice Benefits) or an executive Sky Club membership (costs two Choice Benefits).  Diamond elites who have complimentary Sky Club access via credit card such as the Reserve personal or business card, also can choose a Delta Sky Club Guest Pass.  This costs one Choice Benefit and allows two guests to join the member in the Sky Club free.  This is a smarter way to go; get individual SkyClub access by paying $450 annual fee for the Reserve card, and in exchange you free up an additional Choice Benefit instead of using TWO Choice Benefits for the Executive Membership.

Personally, I'd rather choose the 4 global or 8 regional upgrade certificates, or gift Gold status to another person (or use all 3 Choice benefits to gift Gold status to 3 people), and pay for the Sky Club via the Reserve card annual fee instead rather than waste a Diamond Choice Benefit on Sky Club membership.

Basics

• Earn 70,000 Delta SkyMiles and 10,000 MQMs after $5,000 spend within first 3 months of card membership
• Must apply via referral link by November 7, 2018, to be eligible for sign-up bonus
• Earn 1 SkyMile per dollar on all purchases.  Earn 2x per dollar on Delta spending (in-flight purchases, airfare, etc)
• Welcome bonus offer not available to applicants who have or have had this product before
• $450 annual fee

How Good is This Deal?

• Outstanding...for $450, signing up for this card is an absolute no-brainer.
• 70k SkyMiles can be used for:
• Award flights (get $800-1,500 value depending on what/when you book); OR
• Revenue flights - cardholders receive the ability to use miles at 1 cent per mile toward paid/revenue flights - Delta calls this feature "Pay With Miles."  The 70k bonus miles are worth $700 toward paid Delta travel - this easily offsets the $450 annual fee in first year
• SkyClub individual membership alone is well worth the annual fee for the card.  Also provides a discounted rate for up to 2 guests per visit
• 10k Medallion Qualifying Miles (MQMs) after meeting the minimum initial spend
• Earn up to 30k additional MQMs and 30k additional SkyMiles per year - Earn 15,000 Medallion Qualification Miles (MQMs) and 15,000 bonus SkyMiles after $30,000 spend on the card in a calendar year. Earn an additional 15,000 MQMs and an additional 15,000 bonus SkyMiles after $60,000 spend on the card in a calendar year.  So it is possible to earn 40k MQMs in the first year holding this card.
• If you spend right around $30k or $60k per year on the card, you will earn right around 1.5 SkyMiles per dollar
• MQMs with Delta are valuable particularly because any earned beyond a status level MQMs roll over to the following year
• This year, Delta offered a third MQM bonus spend threshold - another 15k MQMs after $90k annual spend
• Companion Certificate - main cabin or first class companion certificate each year on card renewal
• Upgrade tiebreaker - Cardmembership is one of the factors in determining the upgrade list on each flight, so holding this card slightly improves one's chances of first class upgrade on domestic flights.  Specifically, the Reserve card is the upgrade tiebreaker when two passengers have the same Medallion status and booked in same fare class.

Other Card Benefits

• 24/7 Concierge
• 20% off in-flight Delta purchases paid with the card
• First checked bag free on every flight
• Priority boarding (Zone 1) on Delta flights
• Purchase protection, baggage protection, Global Assist hotline, premium roadside assistance, car rental loss and damage insurance, extended warranty - typical benefit suite for many higher-end credit cards

Credit Card Bonus Offers Worth Signup Now

This is a roundup of several worthwhile credit card signup offers as of March 2018

Several credit cards are currently offering higher-than-usual signup bonuses.  For all cards, to get the signup bonus the cardholder must spend a certain amount within the first few months of holding the card.

These cards are offering bonus amounts at or near their respective highest signup bonus and therefore now is a good time to jump on any of these cards.  At one time or another, I've held all of these cards and personally recommend all of them as solid cards, especially with these increased signup bonuses.

• Citi ThankYou Premier - 50,000 ThankYou points
• Chase Sapphire Preferred - 60,000 Ultimate Rewards points
• SPG Amex Business - 35,000 Starpoints
• Delta Amex Platinum personal and business - 70,000 SkyMiles + $100 statement credit
• Delta Amex Gold personal and business - 60,000 SkyMiles + $50 statement credit
• Mercedes-Benz Amex Platinum - 60,000 Membership Rewards points

Citi ThankYou Premier - 50,000 ThankYou points

• 50,000 ThankYou points after $4,000 spend in first 3 months
• Annual fee $0 first year, $95 per year thereafter
• Earn 3X travel and gas - this is HUGE to get 3 points per dollar on travel and gasoline
• Earn 2X dining and entertainment
• Earn 1x everywhere else
• This is one of the best travel credit cards because of the great bonus categories and travel-related benefits for spending and the flexibility of Citi ThankYou points
• This card had a 50k signup bonus a couple years ago, but then it dropped to 40k and for many months the card had ZERO signup bonus because of its popularity
• More info here:  http://frequentmiler.boardingarea.com/2018/02/25/50k-points-w-citi-thankyou-premier-back

Chase Sapphire Preferred - 60,000 + 5,000 Ultimate Rewards points

• 60,000 Ultimate Rewards points after $4,000 spend in first 3 months
• $95 annual fee NOT waived the first year
• Earn 2x on travel and dining
• Earn 1x everywhere else
• Similar to the Citi ThankYou Premier - great all-around points-earning card with excellent travel-related benefits, but not as strong for bonus category earning
• If you do not want to pay the annual fee, use my referral link for 55k points total signup bonus with no annual fee first year.  50k points signup bonus with $4k spend in first 3 months.  Additional 5k points when adding an authorized user (free) and making 1 purchase with AU card in first 3 months  https://www.referyourchasecard.com/6/1LVJ1ZR9X6
• More info here:  http://frequentmiler.boardingarea.com/2018/02/26/65k-ultimate-rewards-w-new-sapphire-preferred-signup-bonus

UPDATE:  Chase has a targeted offer of 60,000 point signup bonus with $0 annual fee in 1st year.  Check your pre-qualified offers to see if you are targeted for this better-than-the-public offer https://creditcards.chase.com/prequalified-offers

SPG Amex Business - 35,000 points

• Offer ends 3/28/2018
• Spend $7,000 in purchases within first 3 months
• Annual fee $0 first year, $95 per year thereafter
• Starwood (their loyalty program is SPG, or Starwood Preferred Guest) was bought by Marriott, so the SPG-branded Amex credit cards will no longer be offered at some point in the not-too-distant future, so this is probably the last chance to get this card with what is tied for the highest every signup bonus.
• Starpoints are considered the most valuable of all travel points programs anywhere.  Points can be used for Starwood hotel group (Westin, Sheraton, etc) properties and also transferred into most airline mile programs at 20k Starpoints to 25k airline miles
• Earn 2x Starpoints on eligible purchases at SPG and Marriott properties
• Earn 1x Starpoints everywhere else
• Get credit for 2 stays and 5 nights toward elite status
• Sheraton Club Lounge Access when staying at Sheraton properties with a club lounge
• More info here:  http://frequentmiler.boardingarea.com/2018/03/01/new-35k-starpoints-offer

Delta Amex Platinum personal & business - 70,000 SkyMiles + $100 statement credit

• The personal and business version are two different cards with the same signup bonus and benefits.  A person can hold both cards at the same time
• 70,000 Delta SkyMiles + 10K MQMs (elite status miles) after $3K spend in first 3 months
• $100 statement credit after Delta purchase in first 3 months
• $195 annual fee NOT waived in first year
• 10K bonus miles and MQMs (towards elite status) after $25K spend and + second 10K bonus miles and MQMs after $50K spend per calendar year
• Free domestic economy companion certificate after first year.  (Yes, this certificate really works.  Once it is in your SkyMiles account, you can use it regardless of whether your Delta Amex Platinum credit card account is open.)
• Priority boarding and free checked bags.
• Offer expires 4/11/2018
• TIP:  *Any* spend with Delta, such as a $2 headphone or $8 snack box during a flight, should trigger the entire statement credit; you do not need to spend $100 to get the $100 credit
• The personal and business version are two cards with the same signup bonus and benefits.  A person can hold both cards at the same time
• Referral link:  Please consider applying via my friend's referral link.  The signup bonus is the same, and Nick will earn 10k SkyMiles when you are approved.  http://refer.amex.us/NICHOBlQdJ?XL=tw39
• More info here:  http://frequentmiler.boardingarea.com/2018/03/01/four-new-offers-70k-60k-skymiles

Delta Amex Gold personal & business - 60,000 SkyMiles + $50 statement credit

• The personal and business version are two different cards with the same signup bonus and benefits.  A person can hold both cards at the same time
• 50,000 Delta SkyMiles after $2,000 in purchases in first 3 months
• 10,000 Delta SkyMiles after $1,000 more in purchases in first 6 months
• $50 statement credit after making a Delta purchase in first 3 months
• Annual fee:  $0 first year, $95 per year thereafter
• TIP:  *Any* spend with Delta, such as a $2 headphone or $8 snack box during a flight, should trigger the entire statement credit; you do not need to spend $50 to get the $50 credit
• More info here:  http://frequentmiler.boardingarea.com/2018/03/01/four-new-offers-70k-60k-skymiles

Mercedes-Benz Amex Platinum - 60,000 Membership Rewards points

• 60,000 Membership Rewards points after $5,000 spend in first 3 months
• This card is being discontinued Jan 2019, so time is running out on signing up for it
• Annual fee $550.  Very steep annual fee but may still be worthwhile for some folks because of the strong travel benefits
• $200 travel incidental credit - get automatic statement credit for bag fees and other in-flight purchases.  Airline gift cards work as well, if you know what you're doing
• $200 annual Uber credits ($15 per month + $35 in December)
• Includes automatic Hilton Gold status, SPG Gold status, National Executive status
• This card is a good pick for people who can make use of the free airline lounge access - 1) Amex Centurion Club lounges (only a handful of locations in the U.S. but VERY plush lounges) 2) flying Delta same-day for Delta SkyClub lounge access 3) Priority Pass Select program
• $100 Global Entry credit (application fee reimbursed via statement credit)
• TIP:  Add 3 authorized users for $175 total.  All 3 users each get $100 Global Entry credit and lounge access.  Just use the card to pay for any person's (does not need to be the cardholder) Global Entry application fee and receive $100 statement credit.
• This Mercedes-Benz version of the Amex Platinum card is one of several different Amex Platinum personal cards.  Each is a separate product, so you can get the signup bonus on the Mercedes version even if you have had the 'regular' Amex Platinum or other versions of the Amex Platinum such as the Schwab Amex Platinum
• More info here:  http://frequentmiler.boardingarea.com/2018/03/02/mercedes-benz-platinum-discontinued-get-60k-can/

DISCLAIMER:  Know the rules of the game!

If you have signed up for new credit cards in the past couple years, make sure you understand the rules of each card issuer.  Examples:

• Citi will not give you the signup bonus if you have opened or closed a card within a card family within the past 24 months. This means that if you have opened or closed this card or the Citi ThankYou Preferred or Citi Prestige card within the past 24 months, you are not eligible for the signup bonus.
• Chase will reject all applications for most of their cards, including the Sapphire Preferred mentioned in this blog post, if their data shows that you've signed up for more than 4 new credit cards - from ANY credit card company - in the past 24 months

1 year Delta Sky Club access + 40k SkyMiles + 10k MQMs for $450

American Express is again offering 40,000 Delta SkyMiles plus 10,000 MQMs on the Amex Delta Reserve personal and business credit cards.  Requires $3,000 spend within first 3 months.

Below is my referral URL for the Business version of the Amex Delta Reserve Card.

http://refer.amex.us/JASONWHjUT


If you apply, I'd appreciate you using my referral link as I'll earn some free SkyMiles.  The offer via referral is the same as the publicly available offer, so you don't lose anything by using the link.  Referral offer on business version of the card ends on 1/31/2018.

Card also provides free Delta Sky Club access for cardholder when traveling on same-day Delta flight.

Although this offer has been around a few months, it is the first time so many SkyMiles  are included in the sign-up bonus for the Reserve cards.  Typically the bonus has been 10k SkyMiles, or as low as 5k SkyMiles, plus the 10k Medallion Qualifying Miles (MQMs, aka elite status qualifying miles).

The business version of the card is great because most business credit cards do NOT hit your personal credit report or affect your credit inquiries or credit score.  Anyone can apply for a business credit card; you do NOT need an incorporated business or a company Tax ID number to be approved for a business credit card.  All you need is a legitimate small business or side business with a history of decent amount of revenue and a good amount of expected expenses.

Annual fee on this card is $450, which is steep, but still cheaper than buying a Sky Club membership separately.  Delta Diamond members can choose free individual Sky Club membership (costs one of the member's three Choice Benefits) or an executive Sky Club membership (costs two Choice Benefits).  Diamond elites who have complimentary Sky Club access via credit card such as the Reserve personal or business card, also can choose a Delta Sky Club Guest Pass.  This costs one Choice Benefit and allows two guests to join the member in the Sky Club free.  This is a smarter way to go; get individual SkyClub access by paying $450 annual fee for the Reserve card, and in exchange you free up an additional Choice Benefit instead of using TWO Choice Benefits for the Executive Membership.

Personally, I'd rather choose the 4 global or 8 regional upgrade certificates, or gift Gold status to another person (or use all 3 Choice benefits to gift Gold status to 3 people), and pay for the Sky Club via the Reserve card annual fee instead rather than waste a Diamond Choice Benefit on Sky Club membership.

Basics

• Earn 40,000 Delta SkyMiles and 10,000 MQMs after $3,000 spend within first 3 months of card membership
• Must apply via referral link by April 24, 2019 to be eligible for sign-up bonus
• Earn 1 SkyMile per dollar on all purchases.  Earn 2x per dollar on Delta spending (in-flight purchases, airfare, etc)
• Welcome bonus offer not available to applicants who have or have had this product before
• $450 annual fee

How Good is This Deal?

• Excellent...for $450, signing up for this card is an absolute no-brainer.
• 40k SkyMiles can be used for:
• Award flights (get $500-700 value depending on what/when you book); OR
• Revenue flights - cardholders receive the ability to use miles at 1 cent per mile toward paid/revenue flights - Delta calls this feature "Pay With Miles."  The 40k bonus miles are worth $400 toward paid Delta travel - this basically offsets the $450 annual fee in first year
• SkyClub individual membership alone is well worth the annual fee for the card.  Also provides a discounted rate for up to 2 guests per visit
• 10k Medallion Qualifying Miles (MQMs) after meeting the minimum initial spend
• Earn up to 30k additional MQMs and 30k additional SkyMiles per year - Earn 15,000 Medallion Qualification Miles (MQMs) and 15,000 bonus SkyMiles after $30,000 spend on the card in a calendar year. Earn an additional 15,000 MQMs and an additional 15,000 bonus SkyMiles after $60,000 spend on the card in a calendar year.  So it is possible to earn 40k MQMs in the first year holding this card.
• If you spend right around $30k or $60k per year on the card, you will earn right around 1.5 SkyMiles per dollar
• MQMs with Delta are valuable particularly because any earned beyond a status level MQMs roll over to the following year
• Companion Certificate - main cabin or first class companion certificate each year on card renewal
• Upgrade tiebreaker - Cardmembership is one of the factors in determining the upgrade list on each flight, so holding this card slightly improves one's chances of first class upgrade on domestic flights.  Specifically, the Reserve card is the upgrade tiebreaker when two passengers have the same Medallion status and booked in same fare class.

Other Card Benefits

• 24/7 Concierge
• 20% off in-flight Delta purchases paid with the card
• First checked bag free on every flight
• Priority boarding (Zone 1) on Delta flights
• Purchase protection, baggage protection, Global Assist hotline, premium roadside assistance, car rental loss and damage insurance, extended warranty - typical benefit suite for many higher-end credit cards

Amex Delta Reserve Business (and Personal) Card - 40k SkyMiles + 10k MQM Sign-up Bonus

American Express is offering a 40,000 Delta SkyMile plus 10,000 MQMs for the Amex Delta Reserve personal or business credit card.  Requires $3,000 spend within first 3 months.

Card also provides free Delta SkyClub access for cardholder when traveling on same-day Delta flight and 

Although this offer has been around a few months, it is the first time so many SkyMiles  are included in the sign-up bonus for the Reserve cards.  Typically the bonus has been 10k SkyMiles, or as low as 5k SkyMiles, plus the 10k Medallion Qualifying Miles (MQMs, aka elite status qualifying miles).

Below is my referral URL for the Business version of the Amex Delta Reserve Card.

http://refer.amex.us/JASONWHjUT

If you apply, I'd appreciate you using my referral link as I'll earn some free SkyMiles.  The offer via referral is the same as the publicly available offer, so you don't lose anything by using the link.

The business version of the card is great because most business credit cards do NOT hit your personal credit report or affect your credit inquiries or credit score.  Anyone can apply for a business credit card; you do NOT need an incorporated business or a company Tax ID number to be approved for a business credit card.  All you need is a legitimate small business or side business with a history of decent amount of revenue and a good amount of expected expenses.

Annual fee on this card is $450, which is steep, but still cheaper than buying a Sky Club membership separately.  Delta Diamond members can choose free individual Sky Club membership (costs one of the member's three Choice Benefits) or an executive Sky Club membership (costs two Choice Benefits).  Diamond elites who have complimentary Sky Club access via credit card such as the Reserve personal or business card, also can choose a Delta Sky Club Guest Pass.  This costs one Choice Benefit and allows two guests to join the member in the Sky Club free.  This is a smarter way to go; pay $450 annual fee for the card, and in exchange you free up an additional Choice Benefit instead of using TWO Choice Benefits for the Executive Membership.

Personally, I'd rather choose the 4 global or 8 regional upgrade certificates, or gift Gold status to another person (or use all 3 Choice benefits to gift Gold status to 3 people), and pay for the Sky Club via the Reserve card annual fee instead rather than waste a Diamond Choice Benefit on Sky Club membership.

Basics

• Earn 40,000 Delta SkyMiles and 10,000 MQMs after $3,000 spend within first 3 months of card membership
• Must apply via referral link by April 24, 2019 to be eligible for sign-up bonus
• Earn 1 SkyMile per dollar on all purchases.  Earn 2x per dollar on Delta spending (in-flight purchases, airfare, etc)
• Welcome bonus offer not available to applicants who have or have had this product before
• $450 annual fee

How Good is This Deal?

• Very good...
• 40k SkyMiles can be used for:
• Award flights (get $500-700 value depending on what/when you book); OR
• Revenue flights - cardholders receive the ability to use miles at 1 cent per mile toward paid/revenue flights - Delta calls this feature "Pay With Miles."  Bonus miles are worth $400 toward paid Delta travel - this basically offsets the annual fee in first year
• SkyClub individual membership alone is well worth the annual fee for the card.  Discounted rate for up to 2 guests per visit
• Earn up to 30k additional MQMs per year - Earn 15,000 Medallion Qualification Miles (MQMs) and 15,000 bonus SkyMiles after $30,000 spend on the card in a calendar year. Earn an additional 15,000 MQMs and an additional 15,000 bonus SkyMiles after $60,000 spend on the card in a calendar year.  So it is possible to earn 40k MQMs in the first year holding this card.
• If you spend right around $30k or $60k per year on the card, you will earn right around 1.5 SkyMiles per dollar
• MQMs with Delta are valuable particularly because any earned beyond a status level MQMs roll over to the following year
• Companion Certificate - main cabin or first class companion certificate each year on card renewal
• Cardmembership is one of the factors in determining the upgrade list on each flight, so holding this card slightly improves one's chances of first class upgrade on domestic flights.  Specifically, the Reserve card is the upgrade tiebreaker when two passengers have same Medallion status and booked in same fare class.

Other Card Benefits

• 24/7 Concierge
• 20% off in-flight Delta purchases paid with the card
• First checked bag free on every flight
• Priority boarding (Zone 1) on Delta flights
• Purchase protection, baggage protection, Global Assist hotline, premium roadside assistance, car rental loss and damage insurance, extended warranty - typical benefit suite for many higher-end credit cards

[EXPIRED] Widespread Airfare Sale to Europe - $381+ RT from many US Cities

SkyTeam (Delta, etc) has matched cheap fares posted yesterday by OneWorld (American, etc) alliance airlines on many routes to Europe from dozens of U.S. cities.

European cities showing the cheap fares include:

• Amsterdam (AMS)
• Milan (MXP)
• Paris (CDG)
• Rome (FCO)
• Venice (VCE)
• Barcelona (BCN) – about $400
• Madrid (MAD) – about $400
• London (LHR) – closer to $500
• Helsinki (HEL) – mid $400s
• Manchester ([MAN – closer to $400
• Edinburgh (EDI)

The Flight Deal has good info in 2 separate posts HERE and HERE.

BOOK NOW, THINK LATER!  YOU ALWAYS HAVE 24 HOURS TO CANCEL AIRFARE AND GET A FULL REFUND, WITHOUT PENALTY OR FEE.

Search Google Flights.  www.google.com/flights

Many dates are available from now thru the end of the currently published fare schedules in early March 2018, although summer is excluded.

Numerous cities are available for less than $500 round trip, many around $400 and some as low as $381.

Up to 20 Delta SkyMiles per dollar for United Way donation

Up to 20 Delta SkyMiles per dollar when you donate online to United Way

Do something good for folks in need and earn some airline miles for your efforts.

Sweet spots in this promotion are when donating exactly $50 or $125:

• Donate $50, Earn 1,000 miles (20 miles per dollar)
• Donate $125, Earn 2,500 miles (20 miles per dollar)

To Earn the Miles

1. Go to https://volunteer.truist.com/cwma/donate
2. Enter your SkyMiles number on the donation form
3. Donate at least $50 between Sept 15th and Oct 20th, 2016

Terms and Conditions

• Donate between Sept 15th and Oct 20th, 2016.
• 1,000 SkyMiles for $50-$124 donation
• 2,500 SkyMiles for $125-$299 donation
• 5,000 miles for $300+ donation
• Visa, Amex, MasterCard, or Discover
• Maximum 5,000 SkyMiles may be earned 
• Members must enter their SkyMiles number on the donation form to qualify.
• Bonus miles will post to the SkyMiles account 4-6 weeks after the END of the promotion, i.e. approximately Nov 17 - Dec 1.

Hat Tip:  The Gate