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Update: Some offers mentioned below are no longer available. View the current offers here:  American Express EveryDay Credit Card

Many people have reported being targeted for the 100,000 point offer for The Platinum Card from American Express through the CardMatch Tool. Be sure to check for yourself to see what offers are available to you (there is no credit check)!

TPG reader Ryan tweeted me to ask:

@thepointsguy–“Is it worth keeping the Delta SunTrust Debit MasterCard or should I use that $75 to upgrade my American Express to Platinum?”

The Delta Suntrust Debit MasterCard is one of the few debit cards that lets you earn airline miles. I keep one open and pay the annual fee because I use it to pay my taxes. For a small surcharge of just a few dollars, I can earn miles for my tax bills with this card without getting charged a credit card fee (because it’s a debit card, not credit). However, it’s not a great option for day to day earning, since you only earn one mile per dollar spent.

Unless you've got a hefty tax bill to pay off, I would suggest getting the Amex Everyday card instead.
Unless you’ve got a hefty tax bill to pay off, I would suggest getting the Amex Everyday card instead.

Instead of an upgrade  to the Amex Platinum, I would suggest getting the American Express Everyday card. This one has no annual fee, and earns one Membership Rewards point for every dollar spent (two on grocery purchases), but you also gain the option of transferring points to other partners and not just Delta. Plus, if you make 20 transactions per month on the card, you get a 20% bonus on all points earned. Additionally, the sign-up bonus is currently 10,000 points after spending $1,000 within three months, and you get Amazon Prime for a year. Finally, this credit card gives you extended purchase protection and warranties that a debit card doesn’t offer.

In conclusion, unless you have a hefty tax bill coming, I would suggest canceling the Suntrust card and getting the Amex Everyday card.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at info@thepointsguy.com.

Chase Sapphire Preferred® Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.