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Keep, Cancel or Convert? American Express Platinum Delta SkyMiles Credit Card ($250 Annual Fee)

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Updated 8/11/20 at 8:35am: The $1.38 credit adjustment posted to my account and and I now have a $0 balance on my credit card.

Good afternoon everyone, I hope you had a great weekend and your week is off to a great start.  As part of my Keep, Cancel or Convert? series, I like to evaluate and reevaluate credit cards to make sure they still deserve a spot in my wallet.  In today’s post, I will review my American Express Platinum Delta SkyMiles Credit Card, which I wrote about last year in My July App-O-Rama Credit Card Results (Spoiler: 4 out of 5 Approved).  I signed up for this credit card when there was a limited time sign up bonus of 70,000 Delta SkyMiles after spending $3,000 in 3 months.  After completing the minimum spending requirement and receiving the sign up bonus, I didn’t put any more spend on this credit card.  When the $250 annual fee posted to my account, I called American Express to see if they could waive the annual fee.  Here are the results of my retention call.

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Changes to American Express Credit Card Terms (Bye Ameriprise, Third Party Purchases, Foreign Currency & Cash Advances)

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Good evening everyone.  Earlier this week, I reviewed my Wells Fargo credit card statements and spotted some changes to the terms.  I wrote about those changes here: Changes to Wells Fargo Credit Card Go Far Rewards Terms (eGC, Forfeiture at Death, Misuse / Gaming & ATM Limits).  For today’s post, I reviewed my recent American Express statements and compiled all the changes I saw on my cards.  Nothing super interesting stood out to me, but I did see mentions of Ameriprise, third party purchases, paying in foreign currency, cash advances, and a few other things.  Here is my attempt to provide some insight about these changes.  Just a heads up that American Express likes to repeat the same information in different places.  This first section covers Ameriprise cards, earning points with third party purchases, and the arbitration process.

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Changes to Wells Fargo Credit Card Go Far Rewards Terms (eGC, Forfeiture at Death, Misuse / Gaming & ATM Limits)

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Good afternoon everyone.  I was reviewing my recent Wells Fargo Propel World Elite Credit Card statement and noticed a few changes regarding Go Far Rewards.  There are 4 changes that affect electronic gift cards, forfeiture of points at death, misuse / gaming, and daily limits on cash redemptions.  I’m not very familiar with the Go Far Rewards program, but I will attempt to provide some insight about these changes.  The first change is positive.  You can now use points from a Rewards Pool (similar to a family share account) to redeem for an electronic gift card (eGC).  I must really be out of the loop since I did not know you could pool Go Far Rewards or redeem points for eGCs.

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Hyatt Credit Card 25% Awards Rebate: Points Posted 8 Days After Completing Stay

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Good morning everyone, I hope your week is going well.  Last week, I wrote My 1 Year Wedding Anniversary Trip to Carmel, Monterey, and Big Sur and I mentioned 2 Hyatt promos that stacked:

For the first 2 nights, we stayed at the Hyatt Regency Monterey using a free night certificate from Laura’s Chase World of Hyatt Credit Card and 15,000 World of Hyatt Points (category 4 Hyatt).  Thanks to 2 current Hyatt promos, Laura received 2,500 World of Hyatt Points from the Elite Member Bonus and she should receive another 3,750 World of Hyatt Points as part of the 25% rebate on award stays (15,000 x 25% = 3,750).  

At the time, I was still waiting for the 25% rebate on award stays to post to Laura’s Hyatt account.  After ~8 days, the rebated points posted to her Hyatt account.  The points came in 2 increments:

  • 15% x 15,000 = 2,250 (standard 15% bonus that all Hyatt members get)
  • 10% x 15,000 = 1,500 (extra 10% bonus that Hyatt credit card members get)

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3 New Chase Offers: Alaska Airlines (10%), IHG Hotels (10%) & Gaylord Hotels (15%)

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Good morning everyone, I hope your weekend is off to a great start.  I was checking my Chase account this morning and spotted 3 new Chase Offers.  I looked at my Chase account yesterday (July 31), but they were not there, so I’m guessing these offers started for everyone today (August 1).  Lucky for me, these 3 travel offers all showed up on my Chase Sapphire Reserve Credit Card, but this is also my most used Chase credit card.  Your mileage may vary, but I had 3 great travel offers:

  • Alaska Airlines: 10% cash back (minimum purchase of $50, maximum cash back of $31)
  • IHG Hotels: 10% cash back (minimum purchase of $100, maximum cash back of $31)
  • Gaylord Hotels: 15% cash back (minimum purchase of $100, maximum cash back of $63)

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