- Platinum Member
- Posts: 93
- Joined: Thu Nov 06, 2014 11:53 am
- Location: United States
Another important difference that I failed to fully comprehend when I applied is that the Delta American Express Platinum and Reserve cards are not charge cards. They are credit cards. No wonder I saw that $24K limit on my approval, along with various interest rates (which I didn't pay attention to).
On the other hand, a regular American Express Platinum card is a charge card, not a credit card.
What distracted me was the fact that the Delta American Express Reserve card has the same $450 annual fee as the American Express Platinum card... and they were both administered by American Express, which I always thought was a charge card. I hadn't realized how many credit cards AmEx also issues.
Again, just sharing these realizations in the molasses manner in which they reveal themselves to me.
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Near Term: Need a good MasterCard for places that won't accept AmEx or Visa
Long Term: Will downsize out of one or both current AmEx cards to reduce AFs