Credit Card Updates – 45,000 Delta Miles, Chase Freedom 5% Activation, & Last 2 Days for 50,000 Citi Business Thank You

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 1.   American Express Delta 45,000 Miles.   Million Mile Secrets reader Julius (thanks!) emailed me with a links to both a personal and business American Express Delta card with 45,000 miles after spending $3,000 within 3 months.  This offer ends on December 24, 2012, and you can usually get the bonus on both the personal or business version.  The highest offer on the Delta card was for 70,000 miles, but which is no longer available.

This is much better than my referral link which only offers 30,000 miles or the offer on the Airline Credit Card tab which offers 30,000 miles + a $50 statement credit (not my referral link either.)

I’m not sure if the offer is targeted or not, so take lots of screenshots if you apply!  Interestingly, the terms on the landing page for the personal and business cards are different.

For the personal card, the terms on the landing page say:

“Welcome bonus offer not available to applicants who have had this product within the last 12 months or any other Consumer Delta SkyMiles Credit Card account within the last 90 days

I interpret this to mean that you can’t get the bonus on the personal version if you had this card (the Delta Gold card) within the last 12 months i.e it is less than 12 months since you cancelled your Delta Gold card. Or if you had any other Delta personal card (Delta Reserve or Platinum) within the last 90 days i.e it is less than 90 days since you cancelled your personal Delta Reserve or Platinum card.

For the business card, the terms on the landing page say:

“Welcome bonus offer not available to applicants who have had this product or any other Delta SkyMiles Business Credit Card account within the last 12 months

I interpret this to mean that you can’t get the bonus on the business version if you had this card (Delta Gold) or any other Delta business card (Delta Reserve or Platinum) within the last 12 months i.e you have to had cancelled your Delta business card for more than 12 months to get the bonus again.

2.   Chase Freedom 2013 Activation.   The main benefit of the  Chase Freedom is being able to take advantage of the quarterly bonus categories which offer a 5% bonus up to $1,500 in quarterly spending or an extra 7,500 Ultimate Rewards points per quarter for spending in those categories.

Click here to activate your Chase Freedom for the  January though March 2013 bonus categories of Gas Stations, Drug Stores, and Starbucks. 

Gas stations and drugstores often sell gift cards to other stores and some even have Southwest and Marriott gift cards.  You can also buy Vanilla Reloads and other prepaid cards from certain drugstores (CVS, Walgreen’s, Rite Aid etc.) & gas stations and earn 5X Ultimate Rewards points or 5% cash back.

I anticipate meeting the $1,500 limit very early in January 2013!

 3.   50,000 Point Citi Business Thank You.    I’ve been informed that the 50,000 point Citi Business Thank You will end on December 20, 2013.  You get 25,000 points after spending $3,000 within the first 3 months and another 25,000 points after spending $3,000 more within the next 3 months.

Each Thank You point is worth at least 1 cent when you redeem for gift cards or travel from the Citi Thank You portal, so that’s $400 in gift cards or travel.

If you have the Citi Thank You Premier, you can redeem for 1.33 cents towards airfare, so 50,000 points are worth $665.

You can use these points to buy flights up to any value, just as you would if you pay cash.  This is great for those occasions where you can’t use miles and points (inter-island flights in French Polynesia) or where you have no flexibility with your travel plans.  Emily and I used the points to visit her mom in Traverse City, which was a $500 flight.

This card has no annual fee and you earn 1 Thank You point per $1 spent.  However, there is a 3% foreign transaction fee.  You also get a (miniscule) membership bonus for keeping the card beyond the first year.

You can usually get 1 Citi business card within a 90 day period so you can’t apply for 2 at a time like you can with Citi personal cards.

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21 responses to “Credit Card Updates – 45,000 Delta Miles, Chase Freedom 5% Activation, & Last 2 Days for 50,000 Citi Business Thank You

  1. I just recently got the lower Delta personal card (approved on October 11 for the 30,000 offer). So, knowing that it’s been two and a half months since I applied for my Delta personal card, is it possible for me to get the business version or is it just bad timing for me?

    I guess that I’m wondering what the rules are with regard to applying for business and personal amex cards. I know that with Citi there is some rule of thumb about applying for a business card within (or just after) 65 days of getting a personal card.


  2. Quick question – can somebody please answer, I can’t seem to find this answer anywhere. Does the spending requirement timeline start upon activation of the card or when you are approved? Thanks!

  3. I am going to be making a big purchase ($12,000) in a few weeks from now and was wondering what card(s) would give me the best travel rewards? A few things to note:

    -I am married so if it would be smarter to get two different cards for the purchase to maximize rewards, we can do so.
    -We already have the southwest companion pass from chase so we are looking for international flights, we are really wanting to go to Europe.

    Thanks in advance for help!

  4. @mike- you can try but amex is not nearly as good as chase about this.
    @ben- when approved
    @berry- for me its a no brainer you want 2 ink bold or ink cash cards with 50k signup for each on 5k spend and one united card for 30-55k miles (if chase matches). this will net you 2 accounts with 55k ultimate rewards points (50k signup and 5k spend… more if its an office supply store etc) and 32k united miles in one account (signup plu sa ou spend the 2k on this card). you can use ur points to top off a united account and combine rest of UR points between spouses. This essentially gives you a minimum of 142k-167k (if chase matches united to higher offer) united miles…. ENJOY EUROPE ! (if you fly economy youll have spare for a hyatt night or 2 !

  5. I am advising a friend who will be applying for his first churn [he has the Saphire – 6 months and Ink Plus 20 days] and I am thinking about both the Citi AA business 50,000 and Citi Thankyou points 50,000 business offer that is soon expiring. Is there a problem to applying for these two Citi business cards the same day? [no prior Citi cards applied for in the last year, but coming up for the two brower AA cards in/after March 2013. Any comments would be appreciated

  6. Are citi business card easy to get like chase or do they require the business tax idea ?

  7. I just applied for a Delta card and the status is pending. Is it possible to call to re-consideration number and get it approved ? I know this technic will work for Chase.

  8. I was just trying to weigh the benefits of this card. You get 20,000 for first purchase, up to 15,000 for balance transfer and a free companion pass first year and every year with a $79 yearly fee after the first. Does Lufthansa charge YQ & high taxes and fees on their companion passes? If not then this appears to be a great deal just for the companion pass. They card is issued through Barclays. I am not sure if it is a targeted offer or not

  9. Just called to reconsideration number and they said I already got approved. But the offer they can see in my account is 20K delta points after my first purchase and the rest after spending 5K in 6 months. Luckily I got have screen prints as per your advise and hope will get the 45K points after spending 3K in 3 months. Thanks again!!!

  10. @Dave many free “companion passes” require a full fare ticket, which makes them useless. Exceptions that I know about are the Southwest companion [which is great because you can use miles or pay] and the British Air companion, which must be used on BA metal and internationally has high fuel charges [except to South America from the USA].

  11. @Thalha The AA Citi cc only requires a Social Security number. If you use your own name as your business, you will avoid any possibilty of a request for a fictitious business name.

  12. @Dave – I should add that as the BA companion pass must be used on British Air planes and there are no British Air plans from the US to South America, the fact that BA does not charge fuel charges to South America only applies if you are NOT using a companion pass, as there are no BA flights [only partners] from the US to South America

  13. Can someone still get the card if they were an authorized user, but the account was not in their name?

  14. I applied for the Amex Delta Business Card a day before I read your 45,000 promo; I applied under the 30,000 promo; how should I handle this with Amex when I receive the card?

    • @Mike – There is no waiting period between business and personal AMEX cards which I know about, so it could be fine to apply now.

      @Ben – It usually starts from when you are approved for the card.

      @Berry – It does make sense for both of you to get the miles. For Europe, I’d agree with Mike Fein that the United Explorer with 55K miles and the Chase Ink Bold/Plus for another 50K points which can be transferred to United could be the best option since you won’t pay fuel surcharges (like you may have to with American Airlines) to Europe.

      @mike fein – Thanks for helping out!

      @Marriott Marty
      – I believe you can get only 1 Citi business card every 95 days, so he may get declined for the second Citi business card. That said, he could apply for the one which he really wants first and then the 2nd one and write a reconsideration letter to see if they will approve the 2nd card (but no guarantees that they will).

      – you can apply for business cards with your social security number as a sole proprietor.

      @Kishore – You can call their reconsideration number, but they haven’t in my experience been able to push through approvals.

      @Dave – Lufthansa does charge high fuel surcharges, but I’ll look into the card! Also what Marriott Marty says!

      @Matt C – You should be able to get the card if you were an authorized user, but not a joint holder on the account.

      @Billy D – I don’t believe AMEX will match, but it doesn’t hurt to ask!

  15. Thanks for the tips. I noticed the United Explorer with 55K is now 35K and only 45K if I spend 25k with in a year. If I don’t think that is possible is the United Explorer still a good deal for me? Or is there another card out there that will get me more miles?

  16. So do I call and ask them to match the better offer after my application for the 35k is accepted?

  17. I have applied for the Delta American Express card with the $3000 spend over 3 months for the 45,000 miles. Can I purchase Vanilla reloads with this card to fulfill the spend?( I have a Bluebird card). Also, can I use this card to load a VISA Buxx card as a purchase, not a cash advance, to help fulfill the spend?