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Delta Amex Plat and Gold
I want to apply for the Delta Plat Amex. Has the 70k miles bonus and offer expires on July 5th. I also have the Delta Gold Amex. That has a $10k+ limit on it. For only $95 a year, I’m assuming it makes sense to keep that card open because of the credit line and amount, right? Thanks for any insight!!
It depends on what you plan to do the the Delta Plat after the year is up. If you plan to close it (because you’re only opening it for the bonus miles) then I’d say yes, keep the gold card open.
If you plan to keep the platinum card then it might depend on your situation like how long you’ve had the card and how much your credit line is compared to all your available credit. If you’ve not had the gold card very long and its credit limit is only a small percentage of your total available credit then definitely close it. Otherwise you’ll have to weigh the impact that closing it will have on your credit score. For an idea on how banks determine your credit score, see the beginner’s guide.