Update: These offers for the Gold Delta SkyMiles® Business Credit Card from American Express, the Gold Delta SkyMiles® Credit Card from American Express, the Platinum Delta SkyMiles® Business Credit Card from American Express, the Platinum Delta SkyMiles® Credit Card from American Express and The Business Gold Rewards Card from American Express have expired. Learn more about the current offers here.
As I first wrote about on Thursday, through November 8 we’re seeing increased welcome bonuses on Delta’s co-branded American Express cards. The basic details of these offers are as follows:
- The Gold Delta SkyMiles® Credit Card from American Express & Gold Delta SkyMiles® Business Credit Card from American Express are each offering 50,000 SkyMiles after spending $2,000 within three months, plus 10,000 additional SkyMiles after spending an additional $1,000 within the first six months, plus a $50 statement credit after making a Delta purchase within the first three months; the cards have $95 annual fees, which are waived for the first year
- The Platinum Delta SkyMiles® Credit Card from American Express & Platinum Delta SkyMiles® Business Credit Card from American Express are each offering 70,000 SkyMiles plus 10,000 Medallion Qualifying Miles after spending $3,000 within three months, plus a $100 statement credit after making a Delta purchase within the first three months; the cards have $195 annual fees
With the Gold cards offering up to 60K bonus SkyMiles and the Platinum cards offering up to 70K bonus SkyMiles, I’ve had several readers ask whether it’s possible to get all four cards and earn 260K bonus SkyMiles. The answer is… sort of, but not really. Let me explain.
These cards are all considered separate products
The good news is that all four of these cards are considered separate products. So you can earn the welcome bonus on both the Platinum Delta SkyMiles Personal Card and the Platinum Delta SkyMiles Business Card, and similarly you can earn the welcome bonus on both the Gold Delta SkyMiles Personal Card and the Gold Delta SkyMiles Business Card. So yes, over time you can have all four of these cards, and earn the welcome bonuses on each of them
Do note that each of these cards has a “once in a lifetime” restriction on the welcome bonus, meaning you can only earn the bonus on each card once.
There are limits for how many total Amex cards you can have
Typically each person is limited to having at most five American Express credit cards at a time. It doesn’t matter whether those are personal or business cards. This doesn’t include charge cards, like The Business Platinum® Card from American Express, The Platinum Card® from American Express, The Business Gold Rewards Card from American Express OPEN, and the American Express® Gold Card. All Delta cards are credit cards and not charge cards.
So if you wanted to get all four of these cards, that’s one of the biggest limitations you’d face. Since Amex has so many great cards, personally I’d have a hard time making room in my Amex portfolio to get all of these at once.
The other major limitation is how many Amex cards you can apply for
This is more anecdotal than anything, since Amex doesn’t officially publish rules in this regard. However, generally you won’t be approved for more than two American Express credit cards in a 90 day period. Given that this promotion runs for just a bit over a month, that means that most people won’t be able to pick up more than two Delta credit cards during the promotion period. Some people report being approved for more cards, but that seems to be more the exception than the norm.
It is possible to earn the welcome bonuses on all four of Delta’s co-branded American Express cards. However, you’ll run into two major restrictions if doing so in the short term — the Amex five card limit, and also typically being limited to applying for two Amex credit cards in 90 days. So if you don’t yet have any of these cards, personally I’d consider applying for two of them, so you could earn 120-140K miles, which is quite a bonus. Delta seems to offer similar bonuses one or two times per year, so you can hopefully pick up the other cards in the future.