Regular Platinum vs Delta Platinum vs Delta Reserve

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
14 posts
Nixon
Centurion Member
Centurion Member
 
Posts: 1090
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Postby Nixon » Fri Nov 07, 2014 4:16 pm

Cre wrote:So it sounds like there are no consequences deleterious to the consumer for signing up for Shoprunner if provided free by the AmEx card?


Not a one.
Image


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3941
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Fri Nov 07, 2014 4:29 pm

Nixon wrote:There are things I prefer to buy Brick and Mortar. Price match! :D


Costco usually has the best price for many things, anyway.

And with ShopRunner, what I can't get at Costco just appears outside - no need to drive out of my way.

Some things should be bought brick-and-mortar at specialty places, but for many things, Costco and the ShopRunner/ShopDiscover combo are just so cheap and easy.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

Cre
Platinum Member
Platinum Member
 
Posts: 93
Joined: Thu Nov 06, 2014 11:53 am
Location: United States

Postby Cre » Sat Nov 08, 2014 12:16 pm

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.
Current Cards:
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Future Strategy:
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

Cre
Platinum Member
Platinum Member
 
Posts: 93
Joined: Thu Nov 06, 2014 11:53 am
Location: United States

Postby Cre » Sat Nov 08, 2014 4:28 pm

Another distinction that has finally gotten through my thick skull:

There are no Membership Reward Points accumulated with the Delta branded AmEx Platinum or Reserve cards, whereas the regular AmEx Platinum card offers MRPs.

Again, anyone please pipe up if I have misunderstood any of these observations.
Current Cards:
AmEx Platinum Charge: NPSL, $450 AF
AmEx Reserve Credit: $30K limit, $450 AF
Chase Slate Visa Credit: $32K limit, No AF
Future Strategy:
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



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 2 guests