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From one points procrastinator to another, I just wanted to give a friendly reminder that the lucrative signup bonuses for the Delta Skymiles SunTrust Debit Cards end June 30th. This is a no brainer in my opinion because there is no credit pull, minimal hassle. It’s only$75 for 30,000 miles which is 0.25 cents a piece and $120 for 25,000 ot 0.5 cents apiece.
Earn up to 30,000 Delta Skymiles
Personal offer: 15,000 SkyMiles on opening a new checking account with at a $100 minimum balance and a direct deposit (salary, pension, Social Security or other regular monthly income of $100 or more ) by 9/30/12. Receive an additional 15,000 SkyMiles when you get the SkyMiles debit card and make a non-pin purchase by 7/31/12. Cost: $75 for the debit card and a $12 monthly fee if your total account balance falls below $3,000. Fee waived for the first two months.
Suntrust business offer
Business offer: 25,000 SkyMiles after the first PIN Point of Sale or signature-based purchase made with the card by 7/31/12. $120 annual fee for the card and varying fees based on the type of checking account you qualify for.
Suntrust is primarily based in the south and per the official terms it says you can only get this bonus if you live in AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA and Washington, D.C. However, if you don’t live near a branch or have plans to be near one before the promo ends, you can call them at 1-800-SUNTRUST or try their online chat feature which is available between 8am and 6:30pm EST Monday-Friday.
Unfortunately if you reside outside the states mentioned there have been reports that accounts have been closed within a few days after opening for this reason (mostly for business accounts). Apply with caution, though theres really no risk since there are no hard credit pulls and your money is refunded if the account is closed.
Luckily I live in Florida, so I’ll be taking advantage of both promotions. While SkyMiles can be hard to use at times, they can be extremely valuable as I highlighted in this video post. This is also a great opportunity with people with kids to rack up some miles since you can co-sign for a checking account for them and as long as their SkyMiles account is attached, they will get the miles and you can as well for your own account. Could also be a good idea if you have a college student who is thinking of getting a debit card. Again, unlike the credit card deals, since this is a debit card there is no hard credit pull.
Gold Delta SkyMiles® Credit Card from American Express
|Intro APR||Regular APR||Annual Fee||Balance Transfer||Credit Rating|
|None||15.49%-19.49% Variable||$0 intro annual fee for the first year, then $95||See Terms||Excellent Credit|