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Keep or cancel your Delta SkyMiles credit card? How to think about it after recent changes

by on Sat November 19, 2016 • 100 Comments
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Delta credit card

Delta has changed the way you earn miles from flights, and it means a lot of us will earn a lot fewer miles from flying.

That’s prompting a lot of flyers to reassess whether it’s worth sticking with a Delta SkyMiles credit card and paying the annual fee.

Before you cancel your Delta card outright (which you can do quickly by calling the number on the back of your card), consider this no annual fee alternative that lets you earn points you can turn into real Delta SkyMiles, or use them to book travel on most other airlines, so you have flexibility if Delta doesn’t have award seats at the price you want.

It’s called the Amex EveryDay credit card (see the details from American Express here).

The Amex EveryDay credit card launched in 2014, and earns American Express Membership Rewards points that you can transfer into real airline miles with several programs, including Delta SkyMiles, any time you’d like.

It earns a 20% point bonus each billing period you make 20 or more purchases on the card, and there’s a 2x bonus on grocery spending, so this card might earn miles faster than your existing Delta SkyMiles credit card.

You can also use the points to pay for flights on just about any airline via the American Express website.

So if you’re on the fence about the SkyMiles card you have, this is a good fallback that won’t cost you anything and still let you use your card spending to add to your SkyMiles balance.

Can you downgrade your Delta Amex card to the Amex Everyday?

You can’t downgrade your Delta card to the Amex Everyday – it’s considered a different product family, and you’ll need to apply for the Amex Everyday on its own.

Unfortunately there isn’t an option to downgrade your Delta card to a no annual fee version so you’ll have to decide whether to cancel it altogether when you get the Everyday if you don’t want to pay any annual fees.

There’s also a $95 annual fee version called the EveryDay Preferred that earns points even faster thanks to bonuses on spending.

Here’s how the EveryDay cards compare to the Delta branded credit cards you might already have:

(some of the offers on this page have expired)

Amex EveryDay Amex EveryDay PreferredGold Delta SkyMiles Credit CardPlatinum Delta SkyMiles Credit CardDelta Reserve
Base earning1 point per dollar plus 20% bonus on all points each month you use the card for 20 transactions (1.2X earning)1 point per dollar plus 50% bonus on all points each month you use the card for 30 transactions (1.5X earning)1 mile per dollar spent1 mile per dollar spent1 mile per dollar spent
Category spending bonus2X on groceries up to $6,000 in spending each year (2.4X with bonus)3X on groceries up to $6,000 in spending each year (4.5X with bonus); 2X on gas spending (3X with bonus)2X on Delta purchases2X on Delta purchases2X on Delta purchases
Medallion Qualifying MilesNoneNoneNone10,000 MQMs after $25,000 in spending in a calendar year; another 10,000 MQMs after $50,000 in spending15,000 MQMs after $30,000 in spending in a calendar year; another 15,000 after $60,000 in spending
Annual bonusNoneNoneNone10,000 miles after $25,000 in spending in a calendar year; another 10,000 miles after $50,000 in spending15,000 miles after $30,000 in spending in a calendar year; another 15,000 after $60,000 in spending
First checked bag free and Priority Boarding on Delta flightsNoNoYesYesYes
Foreign transaction fees waivedNoNoYesYesYes
Transfer points to multiple airlinesYes, including Delta, Air Canada, Air France / KLM, JetBlue, British Airways, Virgin Atlantic, and moreYes, including Delta, Air Canada, Air France / KLM, JetBlue, British Airways, Virgin Atlantic, and moreNoNoNo
Annual feeNone$95$95$195$450

So why carry a SkyMiles credit card at all?

With the advent of these new Amex EveryDay credit cards, the only big reasons to hold a Delta SkyMiles credit card with the Delta logo on it are:

  • Using the free first checked bag and priority boarding benefits
  • Wanting to earn Medallion Qualification Miles via the Platinum Delta SkyMiles and Delta Reserve cards
  • Getting access to the Delta SkyClub with the Delta Reserve card
  • You do a lot of foreign purchases and want to take advantage of no foreign transaction fees on all Delta SkyMiles branded credit card
  • You like paying annual fees of $95 or more

That’s about it, so if you don’t value the above benefit options to the tune of $95 or more per year, there is little reason to stick with a Delta SkyMiles credit card.

Just carry a no annual fee Amex EveryDay Card and you’ll earn miles that you can convert to SkyMiles at any time with no annual fees much faster than with the most popular $95 a year Gold Delta SkyMiles Credit Card.

You can see how the EveryDay Card compares to other Delta SkyMiles cards based on your spending habits using our CardFinder tool.

What happens to your Delta SkyMiles if you cancel your Delta Amex?

Delta SkyMiles never expire, so if you cancel your Delta Amex card, you won’t lose any of your miles. There’s no requirement to hold a credit card to keep your miles alive.

If you’re thinking of leaving Delta altogether the EveryDay Card can be a bridge

You probably have some SkyMiles sitting in your account and might be within shooting distance of an award, so you can still earn miles to top off your miles before that last reward trip you take with Delta.

Then you don’t have to decide anything since the card has no annual fee; you can keep using it or apply for something different to better complement the airline you’ll be flying more often.

amex membership rewards transfer partners

The Amex EveryDay card earns Membership Rewards points, which means you can  transfer the points you earn to other airlines besides Delta, including Air Canada Aeroplan, British Airways, JetBlue, Air France / KLM, Virgin Atlantic, and more, so you can really hedge your bets. You also have the option of using your points to pay for all or part of tickets like cash, with 5,000 miles worth $50. That’s not an outstanding deal but it’s worth considering.

Or, easily bridge to American Airlines with Starwood

starwood170Another bridge card option is the Starwood Preferred Guest American Express. This one does have an annual fee of $65, but it has an additional angle. The points it earns can be transferred to both Delta and American Airlines mile accounts, as well as over 20 other airlines. So if you’re not yet sure you want to leave Delta SkyMiles altogether you have the option to earn miles in a neutral currency and will have miles to bring to the table if you want to make the move to  American Airlines.

Frequent flyer experts think American has the best mileage program on the market today, and American is happy to take disenchanted Delta SkyMiles members, matching elite status and currently offering great intro bonuses on their credit cards of 50,000 or more miles.

But if you end up deciding you want to stay with Delta, the points you earn on the Starwood card can be sent there as well.

It’s also a good place to store points because Starwood points are very useful for free hotel nights, charging fewer points for free nights than most other programs. For example you can get many Starwood hotels that go for $250 a night in big cities for around 10,000 points a night, versus 20,000 or more with Marriott and others. Starwood hotels include Sheraton, Westin, W, Aloft, Le Meridien, St. Regis and more.

To conclude

With the new no annual fee Amex EveryDay credit card, you have a new way to earn Delta SkyMiles without the commitment of the annual fee based Delta SkyMiles credit cards. It’s a no risk way to earn miles and easy to try while you decide whether you want to keep or cancel your existing Delta SkyMiles credit card. Just note American Express lets you hold a maximum of four of its credit cards at any one time.

United MileagePlus® Explorer Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus miles

Intro Offer

$95

Annual Fee

Yes

Foreign Transaction Fee Waived

Earns United MileagePlus miles

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

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"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

100 thoughts on Keep or cancel your Delta SkyMiles credit card? How to think about it after recent changes

  1. France

    I have the Gold Delta Credit and just purchased a ticket to go to Europe this Summer. Like you mentioned in your post, one of the benefits of having this card is your 1st checked-in luggage is free. But will it still be free if I cancel the credit card now (even if I already purchased the ticket)?
    The annual fee happens to be right before the trip so I’m not sure if I can still check-in my 1st suitcase for free. Appreciate your help.

    Reply
    1. MileCards.com

      @France – It might not. For example, if you didn’t yet have the card…

      If you already bought a ticket, you could later sign up for the card and still get the free bag. So it’s probably tied to whether your card is active at the time you fly.

      Reply
  2. K Barrow

    I’m constantly receiving an offer to upgrade my Delta Platinum Skymiles to an American Express Platinum card. They’re even kind enough to keep the account number the same and give a 60k reward point that’s normally for new members. This now would be a charge card vs credit (To the question) I have an 18k limit and would lose it, which would hurt my debt ratio… is this ever a good deal?

    Reply
    1. MileCards.com

      @K Barrow – Not sure how they told you you’d keep the same account number. As far as we know, Amex doesn’t convert credit accounts to charge accounts. Might want to double check that with them. More typically, they give you the offer to open a separate charge account. Then you can decide whether you want to keep the Delta card and its limit, or convert it to a lower fee option.

      It’s also possible they’re sending you an offer for an upgraded Delta card to the Reserve, which is a credit card, but usually doesn’t have a big 60k mile offer.

      Reply
  3. Monica Lopez

    Thanks for the great info!! Any ideas / workarounds you have for this situation…

    I cancelled my Delta American Express Platinum card last year. I need about 80,000 more miles to book 4 tix to New Zealand in 2020. My plan was to sign up next year (again) to get the sign-on miles again but from what I understand they’ve changed policy and if you’ve held a Delta Amex at any time you’re ineligible for the sign-on bonus now. I’m trying to figure out a way to open a different card, get the sign-on bonus, and then transfer miles to one account and book 4 tix.

    Ideas? 🙂

    Reply
    1. MileCards.com

      @Monica – The Gold SkyMiles or a business version of the Platinum should work fine. Also, any card that earns Membership Rewards like The Platinum Card can also help out, since those points transfer to Delta.

      Reply
  4. Mike E

    Hi,

    I used Delta miles and my Gold Delta Skymiles credit card to book a reward flight in April. My anniversary is in March and I’m tempted to cancel my card so that I’m not charged the $95 annual fee. If I do, will I still receive first checked bag free, priority boarding on my April flight?

    Reply
  5. Emma

    Greetings. I have a 70,000 Delta Platinum Amex referral available. Comes with a companion certificate on every anniversary.

    If you would like one, please email me at: emma98115 gmail dot com. Please don’t reply to this post. your email won’t show or be delivered to me, so email me directly.

    Have a wonderful day!
    Emma

    Reply
  6. MSL

    Two quick questions about Delta Amex Gold
    1) If you pay off the balance in full every month will interest ever be charged?
    2) If I pay my bills with an auto pay set up, that equal, say $2,000 a month, will I earn Sky Miles continually for the lifetime of the card? Or rather how does that work?

    Reply
    1. MileCards.com

      @MSL – Yes, no interest charged if you pay in full by the due date each month.

      And yes, if you pay $2,000 worth of bills each month via auto pay you’ll earn SkyMiles each month.

      Reply
  7. Macil June Geiger (MACIJUNE GEIGER)

    I want to cancel my Delta Amex card. I no longer have the physical card, so I don’t know the number and the 800 number could not acknowledge anything without that number.

    Reply
  8. Monica

    Love your site!!!!! Question… If I cancel my Delta Amex Gold Card now to start using a different card for the sign on bonus, at what point can I sign back up for the Delta Amex and receive a new sign on bonus? Do you know?

    Reply
    1. MileCards.com

      @Monica – You can only get one Delta Amex Gold bonus per lifetime. You could go for the bonus on another Delta card like the Platinum anytime, even if your Gold account is open.

      Reply
  9. Sean

    I am deciding whether to keep my Delta SkyMiles Gold card, and I asked an AMEX rep whether I can downgrade to a no-fee version as suggested here. However, I was told that the Delta Options card now carries an annual fee of $55 as well. In that case, what would you suggest? I’d rather not open a brand-new card since I’m trying to not run afoul of Chase’s “5/24” rule in case any good offers become available, but I also don’t want to straight up cancel the card either.

    As you can probably guess, the AMEX rep was not particularly helpful, despite her thanking me for my 10+ years of association with AMEX.

    Reply
  10. Justin McCabe

    Hi there, I appreciate the article. I’ve been searching on various sites regarding the Delta Platinum Amex versus Delta Reserve. I am currently a Delta Platinum Amex holder with a high annual spend. I have been looking at the Delta Reserve card as it adds an additional 10,000 MQM’s potential annually as well as increased priority for upgrades. The question I am trying to clarify, can I hold both the Delta Platinum Amex and the Delta Reserve concurrently and split my annual spend between the two cards and gain MQM’s from both cards? Thanks again for your site.

    Reply
    1. MileCards.com

      @Justin – Yes you can hold both cards and earn the MQM bonus for both cards if you meet each card’s own spending threshold.

      Reply
  11. Chris

    I received a targeted offer for the Delta Skymiles Gold AMEX for spending $1,000 in 3 months to earn 60,000 Skymiles. After spending the minimum required amount and receiving the Skymiles bonus, I called AMEX and requested to downgrade to the AMEX Everyday, but AMEX reported that I could only downgrade to a “Delta brand” card, not the AMEX Everyday. The AMEX representative reported that I could downgrade to the Delta Skymiles Classic card, which has a $55 annual fee. Are there any options for downgrading my Delta Skymiles Gold to a no annual fee card? Thanks!

    Reply
  12. Stephanie

    I just spent over $1,000 in 3 months on my Delta Skymiles American Express. I was excited to see the chart to start shooting for a goal for international travel. There is no chart!…and, on top of that, I am seeing lots of negative remarks about the Delta Skymiles program. Before I cancel, can you please show me the travel rewards chard for skymiles? I hate to screw up my credit. What a gimmick!

    Reply
      1. Stephanie

        I like that! Will there ever be an easy way to see skymiles required to travel various places? A chart would be so hopeful! Seriously, I would make most purchases on this skymiles card were that the case.

        Reply
        1. MileCards.com

          @Stephanie – Unfortunately no, they’ve made it policy not to have a chart anymore. One reason is they have started doing flash ‘sales’ where prices are actually lower than the old award chart prices. The other is to let them raise prices more strategically.

          Reply
  13. Jill

    If I currently have the Delta Gold Amex with a balance, could I open an Amex everyday card and do a balance transfer from my Gold Amex with the zero % interest offer and subsequently close my Gold Amex card?

    Reply
    1. MileCards.com

      @Jill – Unfortunately you can’t do balance transfer deals with the same bank. You could though find a deal with another bank, transfer the balance there, then do the Everyday switch with your Amex.

      Reply
  14. Josh

    I currently have the Gold Delta Skymiles card. I’ve received the 50k bonus miles. Could I hypothetically downgrade this card to the amex everday card, then open a new Platinum sky miles account to earn that bonus as well?

    Reply
    1. MileCards.com

      @Josh – The Platinum Skymiles card is an entirely separate product, so what you do with your Gold has no bearing on your eligibility for an offer on the Platinum.

      Reply
  15. Alex

    I’ve had the Gold card for a few years. If I cancel that card and apply for the Platinum card, will I get the sign up bonus? Or is it considered the “same” card for the bonus rules?

    Reply
  16. The Wolfman

    If I sign up for the gold skymiles credit card, spend the $1000 within the first three months to get the welcome offer and then cancel before the first year. Do I still get to keep all the welcome bonus miles?

    Reply
  17. Teresa

    I have the Amex Delta Gold card and have about 70k miles on it.
    Would that 70k miles still show up on my Delta account after I cancel the Amex card (annual fee is about to hit)?
    Thanks.

    Reply
  18. josh

    can I switch my delta gold with amex everyday credit card with no consequences? because my aunt cancelled one of her credit cards and it affected her credit score. I applied for delta gold few days ago without knowing that there’s an annual fee every year, I’ve been asking my relatives about it and they never mentioned anything about membership fee so I applied. I’m not a frequent flier so I think delta gold is not for me. I was just interested because of the double points. I’m still kinda new with this things, I grew up in the philippines and credit card is not really a common thing to use to pay there and this is my 3rd credit card, first 2 cards no annual fees.

    Reply
    1. MileCards.com

      @Josh – Don’t count on being able to downgrade a Delta card to an Amex Everyday. But you could downgrade it to a no annual fee Delta card around your one year anniversary to keep the account active. If you want an Amex Everyday you can apply separately.

      And don’t forget to try to earn your introductory sign on bonus for your Delta Gold – might as well get that value out of it.

      Reply
  19. Jess

    A little off topic – I had the delta gold card for two years but cancelled it because I moved and delta didn’t fly out of the airport I would be flying out for 3 years (Okinawa). I’m moving again and I’m thinking of signing up for the delta gold card again but weighing my options with some other airlines cards. If I sign up for the delta gold card again (so my second time) would I get the 30,000 again? Or, is that a one time thing? Thanks!

    Reply
    1. MileCards.com

      @Jess – Probably not – they went to a ‘once per card’ rule. But you could for example earn a bonus for the Platinum version of the Delta card. Or if you like taking chances, give a shot with the Gold again.

      Reply
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  22. Donald Lloyd

    Hello I currently have the Delta Skymiles Gold card and was wondering if this is a good card for me to keep I am (20)? And if not should I switch to another Amex card like the Amex gold card or another card, will that some how impact my credit score negatively?

    Reply
    1. MileCards.com

      @Donald – If that’s your only credit card – good to keep it open. Though if you don’t like the fee, ask to see what no annual fee downgrade option is available.

      If you prefer the Amex Gold, better to apply for that separately so you get the intro offer and you can keep your other line of credit open.

      Reply
  23. Pierre

    If I purchased Delta tickets using Delta platinum card and cancelled the card before traveling date, will I still get a first check in bag free when flying?

    Reply
    1. MileCards.com

      @Pierre – Probably not, as if you did the reverse – buy a ticket, then later get the Delta card, you would then get the free bag.

      Reply
  24. Erika

    I just cancelled my Amex delta sky miles card. When I cancelled I still owed about $900. I have since paid it off. Does that last payment give me 900 more delta sky mile points even though the card has already been cancelled?

    Reply
    1. MileCards.com

      @Erika – You should have already earned the SkyMiles before you paid the card. The miles are awarded when the *charge* hits your statement, not when you pay the amount of the charge.

      Reply
  25. Sarah

    Hi – a little off topic but I’m trying to figure out if the miles I earn from shopping with my Delta Am Ex platinum ever expire. I had a feeling that my points weren’t accumulating as fast as they should be and looked at the account activity on a recent Skymiles statement and saw that there were lots of miles taken off (“redeemed”) in the last period in several small to large increments (-34, – 1282, etc…). I haven’t redeemed miles for anything so I’m thinking this could reflect returns of purchased items or expiration of miles earned from shopping.

    I’m having a hard time finding an answer. Does anyone here know?

    Reply
    1. MileCards.com

      @Sarah- Yes that’s exactly it. Delta miles never expire, so the negative was probably returns of purchased items.

      Reply
  26. rajesh jajoo

    i have delta amex card and frankly from Houston delta doesn’t have good connections and wanted to know if the delta card could be changed into another amex card since this is the only card that my wife is the main owner and i don’t want her history to be wiped out.

    Reply
    1. MileCards.com

      @rajesh – Probably not a non Delta product, but you can request a no annual fee Delta version to keep the history.

      Reply
      1. darvin

        they no longer offer any the Delta Options (the Delta Amex with no annual fee.)
        The only thing you can downgrade is the Delta Classic (the Delta Amex with $55 annual fee)

        Reply
  27. Leo

    My travel has been reduced and the Silver benefits of having a Delta Charge is no longer attainable so your recommendations for an everyday AE card make great sense however, I have a large amount of Delta SkyMiles that I know “don’t expire” but since Delta doesn’t provide an efficient means to use them other than travel awards, (their shopping is too expensive), is there a way to transfer SkyMiles to another program like AE?

    Reply
  28. biff

    i currently hold a Platinum Delta SkyMiles Credit Card and i want to cancel and get the Delta Reserve.
    Will i get the bonus MQM’s after my first purchase with the Delta Reserve card?

    Reply
    1. MileCards.com

      @Biff – If you apply for a new card outright then yes. If you simply call in to upgrade, then no.

      Just be aware if you upgrade instead of getting a new card outright, your spending to date on the Platinum will count towards the next threshold on the Reserve for earning MQMs.

      Reply
  29. Akki

    I got a cutom offer for 50000 points instead of the 30000 points after $1000 purchase in 3 months, which is a much better offer I assume.
    But I don’t plan to pay the $95 fee from year 2. Can I cancel it after one year without any impact on my credit score?

    Reply
    1. MileCards.com

      @Akki – Closing an account could have an impact on your score (though generally not large if it’s a recent account). An alternative is to ask to be switched to a no annual fee option.

      Reply
  30. Shalin

    I currently have a Delta Skymiles card (it’s my only line of credit at the moment) and am looking at switching it over to the Starwood Preferred and well as applying for a Chase Sapphire Premium. My questions are:
    1) Will this reduce my lines of credit temporarily during the switchover and hit my credit score?
    2) Since it’s before my current annual fee on the SkyMiles card is due (~$100), do you think I might not be able to switch over until that’s due? (since the Starwood card has a lesser annual fee).

    Reply
    1. MileCards.com

      @Shalin – If you simply convert your card by calling Amex it shouldn’t have any impact on your lines if Amex keeps the credit limit the same. If instead you apply for a brand new Starwood account to earn the intro bonus you’ll have an additional credit line (generally good for credit), but have a small temporary hit for having a new application inquiry.

      An alternative is to ask Amex to convert your Delta card to a no annual fee card and preserve the credit line. There is a no annual fee Delta version available.

      Then apply for the Starwood card fresh to earn the intro bonus. That way you’ll keep your longest credit line intact and still get the Starwood intro bonus.

      Reply
  31. Laura

    I want to apply for a Delta amex credit card since the first year is free and I can get 35,000 miles if I spend 1000 in 3 months. However, the next year I would have to pay the $96 fee. Can I use it for one year and cancel it before the next year comes with no negative consequences (fees, etc…) ?

    Reply
    1. MileCards.com

      @Laura – If you don’t find the card benefits don’t live up to what you need, you can cancel before the fee is due. The miles in your SkyMiles account don’t expire, regardless of whether you have the card or not.

      Reply
  32. Sam

    Corrected my email on post sorry… I have the platinum delta Amex been member for 2 years but their new point system sucks I already paid annual fee this year I just got accepted for chase sapphire preferred I also now live in nj were United has many non stop flight also I travel to Middle East a lot should I cancel the plat delta and just use my chase staph preffered or should I downgrade to gold or switch to everyday card not sure I loved delta but when they used 60k points for 2 tickets to do from Naj I was pissed I know with chase saph partner airlines I could have got same tickets for 30-45k points I feel deltas points are to expensive a round trip flight to Middle East is almost 110k points vs 65-75k on chase partner airlines .. Thoughts

    Reply
    1. MileCards.com

      @Sam – United can be ok to the Middle East and if you live near Newark their other flights are definitely useful. But right now American miles are the best for that, since they partner with both Qatar Airways and Etihad, giving you more flights than the other alliances. You need to call in to book those flights, but the options are more comprehensive.

      Reply
  33. Peter

    Hello – do you think I could simply convert my Delta card before the yearly fee is due to the new Everyday card?

    Thanks,
    Peter

    Reply
    1. MileCards.com

      @Peter – They consider it a separate product so you’d have to apply on its own. But no reason you can’t do that and request to cancel your existing card or see if they have a no annual fee option to keep the credit line open.

      Reply
  34. sky

    I just got phone call from AirFrance who told me I got an offer from them. The offer is the possibility to apply this “gold” card. It seems to be a good offer but I am a bit worried. This card seems to be very expensive but the first year is free. Can I cancel this card after this one-year-free period?

    Because the document I have received is in French… It is not so clear to me if this is really a good offer or just a way to let me to buy this service.

    Regards
    Sky

    Reply
    1. MileCards.com

      @sky – It’s a card only available to France based members. American Express is the company behind it so you can cancel it before the fee comes due if you’d like.

      Reply
    1. MileCards.com

      @Tracy – It’s possible – but probably not a large hit as the Gold card doesn’t report a specific credit limit.

      Reply
  35. dmjones

    I have the Gold Delta Skymiles card with a 14K CL and about 35K miles. I use it mostly for groceries and large purchases. From what I’ve read, it would behoove me to get the Everyday card. Can I keep/transfer my CL and accumulated miles? What if my wife (whom typically buys the groceries) gets the card? (NOTE: The $95 annual fee will pay for itself this year as my wife and I are going on a few trips.)

    Reply
    1. MileCards.com

      @dmjones – The miles you’ve earned are yours to keep and Delta mile never expire. As for your credit line, you can work that out after you apply. It’s a separate product so they’ll allocate a brand new credit line, but if it’s not enough you can ask them to move part of your existing Delta line to the new Everyday card.

      And it’s okay if your wife gets the card. You can send the points to either yours or your wife’s Delta account. Whoever doesn’t apply for the card can just set up as an authorized user.

      Reply
      1. dmjones

        Let’s say I get the card (I have better credit) and make her an authorized user. Will her use build her credit? If so, will her credit build at the same speed as if the card was in her name?

        Reply
        1. MileCards.com

          @dmjones – Being an authorized user can be a positive factor for credit, though the most direct impact will be having a line of credit in her own name.

          Reply
        2. dcm

          Authorized user accounts are generally discounted by lenders and do not get factored into a FICO score since the user has no obligation in relation to the account.

          Reply
  36. sad

    I want to cancel my Delta Gold card at the renewal next month but have unused miles left on this card. Will the Skymiles transfer to another no-fee AMEX?

    Reply
    1. MileCards.com

      @sad – The Delta SkyMiles you have are yours to keep whether or not you hold the card, and they never expire.

      Reply
  37. Alicia

    How many days after approval of Delta Reserve application do I have to cancel and NOT be charged the $450?

    Reply
    1. MileCards.com

      @Alicia – Amex prorates the fee refund upon cancellation on a monthly basis, so within about a month you will have minimal to no fee due.

      Reply
  38. Gail Forde

    I appled for a Gold Delta Skymiles Credit card one day ago, and want to cancel the application. What is the process?

    Reply
    1. MileCards

      @Gail Forde – The Amex application number is 1-800-243-3888. Give them a call with questions, or if the account was already created call 1-800-528-4800.

      Reply
  39. Patty Lee

    I have a no-fee Amex/Delta card already (“Options” card), that earns a simple 1 mile per dollar spent. How is the “Everyday” card different?

    Reply
    1. MileCards

      @Patty A few things.

      First, the Everyday card earns 2x points on groceries. And when you use the card 20x a month (for purchases of any size) you get a 20% bonus on points earned. So you earn 1.2 points per dollar on everything and 2.4 points per dollar on groceries.

      Finally, the points you earn on the Everyday are ‘Membership Rewards’ points. You can transfer them to your Delta account instantly at any time. But you can also transfer them to other airlines like JetBlue, Hawaiian Airlines, and British Airways, which can offer more options for rewards. Or, you can use them to book flights on any airline using them like cash. Every 1,000 points is worth $100 toward airfare.

      Reply
  40. EdDoc99

    Thanks for the iinformation! I just cancelled my Delta Amex yesterday. I wasn’t aware that one could only hold four cards from Amex; good to know! I’m looking forward to the new Everyday Amex cards.

    Reply

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