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Frequent Contributor
mikka1
Posts: 269
Registered: ‎12-28-2011

Re: To those thinking of applying for Amex Delta Gold

BTW, I remember why I've always been against applying for Delta Amex - as far as I remember, Delta Amex, similar to all other Amex cards except for top-notch ones (like Platinum), has an absolutely outrageous foreign transaction fee (I remember it was around 2.7%, but I can look in my statement as I paid in Spain once with my Amex BCE, because that particular store didn't accept Diners/Discover). OK, I could've lived with that if only... Delta didn't charge ALL flights originating outside the US in their local currency or EUR...

 

So if I buy Delta round-trip ticket, let's say, Venice - NYC - Venice (or Moscow - NYC - Moscow as I do all the time) or even one-way London - Atlanta, I'll be charged in EUR and after getting 2% cashback for Delta purchase, I'll be penalized with almost 3% conversion fee, so I'll end up with even losing 1% instead of making 2%...

Obviously if you plan to fly only domestically or at least only with RT flights originating in the US that should not be an issue, but overall I see it as a huge disadvantage of this card. At the same time, you can usually buy the same ticket on expedia.com and be charged in USD ... and still get 1% cashback NOT on Delta purchase...

 

Try to figure, what they were thinking about when designing this structure...

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: To those thinking of applying for Amex Delta Gold

Nice find, I app'd on the first and got 35k miles on the platinum delta card 

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: To those thinking of applying for Amex Delta Gold


mikka1 wrote:

At the same time, you can usually buy the same ticket on expedia.com and be charged in USD ... and still get 1% cashback NOT on Delta purchase...

 

 


Way to go! :robotvery-happy:

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: To those thinking of applying for Amex Delta Gold

 
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: To those thinking of applying for Amex Delta Gold

Ahh I want a new Amex haha but I don't neeeeeed it :-/
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: To those thinking of applying for Amex Delta Gold


youngandcreditwrthy wrote:
Ahh I want a new Amex haha but I don't neeeeeed it :-/

YESSSSSS  you do!!!!! 

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC

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