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Approved From Amex Delta Reserve and Delta Gold Fico 8 Eq 661, Tu 640,Ex 664

tag
Creditwiser
Valued Contributor

Re: Approved From Amex Delta Reserve and Delta Gold Fico 8 Eq 661, Tu 640,Ex 664

Congrats on a great round of approvals !

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 11.5K | Barclay MC 15k | Delta Gold Amex 35K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 7k |
Message 11 of 14
dfwxjer
Regular Contributor

Re: Approved From Amex Delta Reserve and Delta Gold Fico 8 Eq 661, Tu 640,Ex 664


@MarkintheHV wrote:

I thought AmEx changed their rules regarding sign up bonuses.  Last I read you could only get one signup bonus from each family of cards.  I havent seen AmEx offer sign up bonus for two Delta cards in quite awhile.


my thoughts exactly. I'd be concerned with the bonus getting clawed back, or them not granting it on one or both. Amex has been very clear on their SUB restrictions on cards in the same product family. 

personally I don't feel those limits align with the annual fees for those cards. 

the reserve will get you delta lounge access but has lousy reward earning, and the delta gold has average earning with no added benefits. 

 

Current active cards:
Amex - Platinum, BCE
BofA - Unlimited Cash Rewards Sig
Chase - CSR, Amazon Prime
Citi - Custom Cash, Costco Visa
TCL - $270k
CC utili - 2%
Experian - 804
Message 12 of 14
MarkintheHV
Frequent Contributor

Re: Approved From Amex Delta Reserve and Delta Gold Fico 8 Eq 661, Tu 640,Ex 664


@dfwxjer wrote:

@MarkintheHV wrote:

I thought AmEx changed their rules regarding sign up bonuses.  Last I read you could only get one signup bonus from each family of cards.  I havent seen AmEx offer sign up bonus for two Delta cards in quite awhile.


my thoughts exactly. I'd be concerned with the bonus getting clawed back, or them not granting it on one or both. Amex has been very clear on their SUB restrictions on cards in the same product family. 

personally I don't feel those limits align with the annual fees for those cards. 

the reserve will get you delta lounge access but has lousy reward earning, and the delta gold has average earning with no added benefits. 

 


The platinum seems to have the best day to day rewards, but, the medallian qualifying dollars is 20 to 1 on the platinum vs. 10 to 1 for the reserve.

Active Cards: AmEx BCP - $70k | NFCU Flagship Visa - 80k
Inactive Cards: Citi CCR MC - $43.5k | Citi AA World - $17.5k | Discover IT - $10k


Message 13 of 14
CreditAggie
Community Leader
Super Contributor

Re: Approved From Amex Delta Reserve and Delta Gold Fico 8 Eq 661, Tu 640,Ex 664

Congratulations on your approvals!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (March 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 14 of 14
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