cancel
Showing results for 
Search instead for 
Did you mean: 

Do i have to use the card on the brand

tag
juniornj23
Established Contributor

Do i have to use the card on the brand

I've seen so many people approve for delta amex . My question is how do you take the most advantage on airline card since most of the time i buy deal like hotel and flight together ..

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 1 of 11
10 REPLIES 10
takeshi74
Senior Contributor

Re: Do i have to use the card on the brand

Don't just apply for what you see people approved for.  Sort out your needs/wants and then find cards that suit your requirements.

Message 2 of 11
juniornj23
Established Contributor

Re: Do i have to use the card on the brand

Thank you i have 11 moths on the garden and i think i will wait until 2 years mark
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 3 of 11
RonM21
Valued Contributor

Re: Do i have to use the card on the brand


@takeshi74 wrote:

Don't just apply for what you see people approved for.  Sort out your needs/wants and then find cards that suit your requirements.


+1

Always do this



Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 4 of 11
juniornj23
Established Contributor

Re: Do i have to use the card on the brand

I guess i didnt make the right question

Why people app for airline card since most of the time when you travel you buy a hotel and flight together? Did you get same promotion over the hotel or just only the flight
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 5 of 11
UncleB
Credit Mentor

Re: Do i have to use the card on the brand


@juniornj23 wrote:
I guess i didnt make the right question

Why people app for airline card since most of the time when you travel you buy a hotel and flight together? Did you get same promotion over the hotel or just only the flight

If I am reading the disclaimer correctly, you only get double delta SkyMiles when you make a purchase directly from Delta... all other purchases are at the rate of 1:1.

There are still uses for the card if you prefer to book your airline travel through other sources, though.  Don't forget the free checked baggage benefit, priority boarding, and access to the Delta lounges at a reduced fee.  There's also a $50 reimbursement for Delta incidental purchases.  Combine these with Amex offers and you can easily earn back the AF even without considering the SkyMiles the card earns.

 

On the Amex side, there are benefits as well.  Ancecdotally, people with marginal credit profiles have had success getting usable starting lines on the Delta Gold Amex, and once you have any Amex card you can apply for any of their other products and it's only a SP if you're denied (it's still a HP if approved, though).

 

I seldom fly, and I still find use in the card.  If nothing else, once it's 13 months old you can transfer some of it's credit line to another Amex product.  Smiley Wink

Message 6 of 11
jbsea
Established Contributor

Re: Do i have to use the card on the brand

I agree with Uncle B.... I find the PRG a better points card but if booking with Delta it is a great card.  My PRG is linked to Alaska for my $100 airline credit so I have to use Delta when flying Delta.  It can be a useful card if you dont overload yourself with Amex products.

Amex Gold / Amex Platinum / Amex Marriott Brilliant/ Amex BCP/ Capital One Venture (AU) / Capital One Savor One/ Discover / NFCU Cash Rewards / BOA Unlimited Cash Rewards / NFCU GO Rewards (AU) / Amex EDP / NFCU Flagship Rewards / Chase Freedom (AU) / Capital One QuickSilver / Citi Costco (AU) / Amex Delta
Message 7 of 11
Anonymous
Not applicable

Re: Do i have to use the card on the brand

Is prg with the Delta card any better than just the prg by itself?
Message 8 of 11
UncleB
Credit Mentor

Re: Do i have to use the card on the brand


@Anonymous wrote:
Is prg with the Delta card any better than just the prg by itself?

If you buy a Delta ticket with the PRG you earn 3 MR points for every dollar (which can be converted to SkyMiles at a ratio of 1:1) but if you use the Delta Gold card you only get 2 SkyMiles for every Delta dollar spent, making the PRG the clear winner for the ticket purchase - even over the Delta Gold credit card.

 

The Delta Gold will get you several additional things, though... valuable to many people is the first checked bag at no fee (saving $25 each way) as well as the other Delta perks mentioned above. 

 

If you don't have a use for the bag fee waiver or other Delta perks you're better off sticking with the PRG (unless you have an ulterior motive like myself).  Smiley Wink

Message 9 of 11
Anonymous
Not applicable

Re: Do i have to use the card on the brand

 


@takeshi74 wrote:

Don't just apply for what you see people approved for.  Sort out your needs/wants and then find cards that suit your requirements.



This. 

I love that we have so many choices of credit cards to apply for but that doesn't mean we should apply for everything. 

 

We travel Alaska, it only made sense for me to get the Alaska Airline card and link my PRG to AA as well. Then I thought about which hotels do I want to stay at or which do I frequent the most. Marriott and Hilton Honors seems to be the two that would fit our family's need and wants. So we got those card as well. And now that we have them, we use the card as much as possible to earn points along with other cards. So important to choose travel cards you'll use. It took me awhile but I'm very happy with what we have now

Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.