Top 10 Questions About the Delta Credit Card and Limited Time Offer

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UPDATE: This offer is no longer available.

With the offers for the Delta credit cards, I’ve receive many emails with some valid questions regarding both the card and the offer that I wanted to share with all readers. Feel free to comment with any more questions you might have and I’ll be sure to respond!

  • Gold Delta SkyMiles® Credit Card from American Express
  • Platinum Delta SkyMiles® Credit Card from American Express
  • Gold Delta SkyMiles® Business Credit Card from American Express
  • Platinum Delta SkyMiles® Business Credit Card from American Express

Top 10 Delta Credit Card Questions

1. Can I receive the welcome offer if I already have the Delta Gold card and now want to apply for the Delta Platinum card?

Answer: Yes! They are two different products and you eligible to receive the welcome offer if you are approved and meet the minimum spend requirement for a different Delta co-branded card. This applies to the personal vs. business cards as well – for instance, if you currently have the personal card you are eligible for the welcome offer for the business card.

2. Can I receive the bonus if I am no longer a cardmember, but have had this card in the past (and received a welcome offer)?

Answer: Unfortunately, American Express has a once in a lifetime bonus. So if you’ve received an offer in the past (even if it was a lower offer), you will not be eligible for the offer again. With that being said, all four cards are different products, so you are eligible to receive the offer for one of the cards even if you have another version of the card.

3. What can I use the statement credit for?

Answer: Both the Delta Gold and Delta Platinum cards come with a statement credit within the first four months of card membership. The Gold card gives a $50 statement credit and the Platinum card gives a $100 statement credit. Both statement credits are valid for Delta purchases ONLY purchased through Delta directly. For example, purchasing a Delta flight on with your Delta credit card will trigger the statement credit. However, purchasing a Delta flight through Orbitz will not! Also, if you are using miles for your next flight or it is already booked on a different credit card, you should be able to receive a statement credit for onboard snacks/drinks if charged to your Delta credit card (for Delta operated flights). Others have reported success purchasing a Delta gift card.

4. Which card will earn me MQMs?

Answer: The personal and business version of the Delta Platinum card will give you MQMs. There are two ways to get MQMs with the card: 1) With the initial offer you’ll get 10,000 MQMs after meeting the minimum spend requirement, and 2) On an annual basis, if you make $25,000 in purchases on the card, you’ll get 10,000 MQMs; if you make $50,000 in purchases on the card in that same year, you’ll get an additional 10,000 MQMs. The Delta Gold card does not give you any additional MQM bonus.

5. Aside from the bonus, what are the other perks of being a card member?

Answer: Just for having the card, you’ll receive: 1) First checked bag for free for both you and 8 other passengers on the same itinerary, 2) Priority boarding, 3) 20% in-flight savings, 4) and discounted SkyClub access, and 5) Having this card allows you to use your miles at a fixed redemption where you can get a discount on the price of a ticket – for every 5,000 miles redeemed you’ll get $50 off the cost of your ticket.

6. If I am eligible for either the personal or business version of the card, why should I get one over the other?

Answer: For the most part, the benefits of the personal and business cards are the same, with one exception. The business cards give you access to Amex OPEN Benefits. This means you get receive a 5% statement credit when you use your Amex Business card at many merchants, including: FedEx and Hertz. You can read more about AMEX Open savings here. 

7. How does the companion certificate work?

Answer: The companion certificate is a benefit that only comes with the Delta Platinum card. On an annual basis (starting 12 months after you apply for the card), you’ll receive a companion certificate where another passenger can fly with you and you’ll only pay the applicable taxes and fees. It is a once a year certificate and can be gifted to friends or family members as well. You can read more about the Delta Companion Certificate here.

8. I want to redeem my miles pretty quickly after earning the miles for the welcome offer, but will not have enough for an international flight – any other ways to earn Delta miles quickly?

Answer: You can quickly transfer points from your Starwood account or American Express Membership Rewards account. Both programs transfer at a 1:1 ratio, but with Starwood for every 20,000 points transferred you’ll earn a 5,000 point bonus.

9. Will I lose my Delta miles if I eventually cancel the card?

Answer: No! Canceling co-branded hotel and airline cards will not impact your mileage account. If you apply for the card now and for whatever reason at a later date decide to cancel the card, will not lose the miles earned. They are safe in sound in your Delta account to be used whenever you desire.

10. Is this card and authorized user cards eligible for the Amex Offers?

Answer: Yes! Since this an American Express credit card, you are eligible to take advantage of the American Express statement credit offers. You’ll just need to sync your card to a Twitter account. You can also register for offers through your account and going to your Delta tab. Additionally, authorized users (which do not cost an annual fee) are also eligible. So in theory one card can allow you to take advantage of these offers multiple times!

Disclosure: This post includes affiliate links. As always, thank you for supporting the blog and enjoy traveling on a deal! 

The responses below 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.


  1. I received a targeted offer in the mail similar to this even though I had the card in the past for the delta gold. If I receive a targeted offer am I still eligible for the bonus if I previously had the card?

    • @Stephanie – Unfortunately, you are still limited to once in a lifetime. Although many reports show that if it has been more then 7 years since you have last applied, you could possibly still get the bonus.

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