This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.
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.
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.
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.
- 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