American Express To Launch Delta Charge Cards.

[Saleen099]

These would be the first co-branded charge cards American Express has offered, apart from the different variations of the American Express platinum card. It’s possible that these are old images for a card that was never launched, but I suspect that isn’t the case. I’ve reached out to both official and unofficial contacts at American Express to see if we can confirm that these images are legitimate and new cards will be launched. It looks like the design for the Amazon small business card has also been leaked.

Moderator Edit - Let’s make sure we give Doctor of Credit the credit (no pun intended) for this article- Irish80 

[simplynoir]

With this and the leaked images of the AMEX/Amazon business cards it looks like AMEX has been keeping busy.

[Eagered2succeed]

I know this is going to sound vain, but that's a really nice looking card 😜. Good design if true.

[K-in-Boston]

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@Eagered2succeed wrote:
I know this is going to sound vain, but that's a really nice looking card 😜. Good design if true.

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Agreed.  As far as benefits and features, I just can't figure out where that would sit in the lineup with the Delta Reserve.  And of course with the charge vs revolving thing, that would really complicate product changes since there would presumably be no downgrade or upgrade path(s).

[FinStar]

Two definitely interesting products for sure and the timing couldn't be better 😛. I wonder what the AF structure would be for the Delta charge cards? Similar to Platinum? Would be curious about what SUB, if any, would be offered 🤔.

I'm leaning toward the Delta business version if a great promotion opportunity + benefit structure is offered once all the details are available. From my recollection, it's still 5 max revolvers whether personal and/or business, correct?

[simplynoir]

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@K-in-Boston wrote:

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@Eagered2succeed wrote:
I know this is going to sound vain, but that's a really nice looking card 😜. Good design if true.

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Agreed.  As far as benefits and features, I just can't figure out where that would sit in the lineup with the Delta Reserve.  And of course with the charge vs revolving thing, that would really complicate product changes since there would presumably be no downgrade or upgrade path(s).

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I'm wondering out-loud if AMEX has any inclination to changing the cards from revolving -> charge cards with the Delta lineup. Because otherwise this card is an odd duck for them to attempt especially considering the Reserve. Best guess is perhaps they exchange certain perks of the card to change the reward structure to earn more Skypesos. Or perhaps a card that has better earning to get Medallion status.

[simplynoir]

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@FinStar wrote:
From my recollection, it's still 5 max revolvers whether personal and/or business, correct?

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Very YMMV. There have been recent datapoints suggesting AMEX will allow 5+ cards. If anything AMEX is starting to look like Chase where you can have as many cards as you want but you existing total credit will be a big factor going in. In any case if the rumors are true this new Delta card is a charge card which has no impact on the soft 5 card rule.

[redpat]

????  SMH  ??????  SMH, that's all I got!

It looks like Chase and Citi lost out on the Biz Amazon.

[Saleen099]

https://viewfromthewing.boardingarea.com/2018/08/16/american-express-will-introduce-new-delta-charge...

American Express historically offered charge cards, which are cards you have to pay off in full at the end of each month. You don’t get to revolve a balance.

• Since you pay it off every month, they’re taking less ongoing risk, and may be more willing to extend credit. They may also be willing to extend larger amounts of credit. 
• In recent years American Express has taken their charge card customers and offered to let them pay over time though. So the difference between charge cards and credit cards (where you’re allowed to revolve but shouldn’t if you can avoid it) has blurred.

[K-in-Boston]

Seems to be more than a rumor since the card images from the Reddit post are actually hosted by Amex.  I was planning a PC from my SM Platinum to Reserve and DW's SM Gold to Reserve in January; hopefully there will be further information in the coming months prior to me making that decision.  I'm also soon going to dive deep into my annual spend to see if switching from my current "almost everything on SPG" strategy makes sense for 2019 (and likely the last few months of 2018).  If I could move $8-12k of monthly spend back onto a NPSL charge card (I used Amex Gold for deaily driver for many many years) that would certainly help me out in the utilization department.

Wish list:

• 50k or more SM and 10k or more MQM SUB
• Instant Flying Orchid (Silver Medallion) status
• Obvious Sky Club membership as with Reserve but includes one free companion
• Companion certificate that works with int'l and non-CONUS destinations (even if only Main Cabin)
• Upgrade priority higher than Reserve
• 2x earning on restaurants (you know, to keep it competitive with the free Delta credit card) and preferably other categories
• Additional Miles Boost opportunity (like another 15k SMs and 15k MQMs at $90k in spend which has been targeted to Reserve members in the past)