Should You Get the Chase Hyatt or AMEX Delta Platinum Card First, Considering Chase’s Stricter Approval Rules?

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Million Mile Secrets reader Christopher commented:

I want to get the AMEX Platinum Delta card with the current increased sign-up bonus AND the Chase Hyatt card.  But I know Chase is making it harder to be approved for their cards.  So which card should I get first?

Thanks for the question, Christopher!

Because of Chase’s stricter approval rules, I’d almost always suggest getting any Chase cards you want first.

Or, if Christopher qualifies for a business card, he could consider the business version of the AMEX Platinum Delta card or the AMEX Gold Delta Business card.  

Both have limited-time increased sign-up bonuses.  And they will NOT appear on his personal credit report and hinder his ability to be approved for Chase cards.

But as usual, it really depends on your situation and personal travel goals!

Should You Get The Chase Hyatt Or AMEX Delta Platinum Card First Considering Chase's Stricter Approval Rules

Deciding Between Cards Can Be Difficult. You Have to Consider the Value of Sign-Up Bonuses & Chase’s Stricter Approval Rules!

Here’s more about these cards.  And what Christopher should consider when making his decision!

Which Card Should Christopher Get First?

Link:   Platinum Delta SkyMiles® Credit Card from American Express

Link:   Platinum Delta SkyMiles® Business Credit Card

Link:   Gold Delta SkyMiles® Business Credit Card from American Express

Link:   Chase Hyatt

To make a decision, Christopher should first figure out whether he qualifies for a small business card.

Do You Qualify for a Small Business Card?

Let’s say Christopher has or is starting a business and qualifies for a small business card.

He could apply for the Chase Hyatt card AND the AMEX Delta small business card of his choice (either the AMEX Platinum Delta Business or AMEX Gold Delta Business) on the same day.

Then he wouldn’t miss out on the limited-time increased sign-up bonuses on the AMEX Delta business cards.  And Chase won’t see these cards on his personal credit report.

Or, he could apply for one of the AMEX Delta small business cards first (before the increased sign-up bonus expires on July 6, 2016), if he’s concerned about meeting minimum spending requirements on both cards at once.

Then later apply for the Chase Hyatt card without worrying about Chase’s stricter approval rules.  Because AMEX Delta business cards will NOT show up on his personal credit report.

What If You Do NOT Qualify for a Small Business Card?

If Christopher does NOT qualify for a small business card, he’ll have to take into account Chase’s stricter approval rules when deciding between the personal version of the AMEX Platinum Delta card and the Chase Hyatt card.

Remember, if you’ve opened ~5 or more credit card accounts (from any bank) on your personal credit report in the past 24 months, it’s unlikely Chase will approve you for many of their credit cards.

So Christopher (and everyone else!) needs to choose wisely when opening new cards.  And keep track of when you apply for cards.  So you’ll always know how many cards you’ve opened over the past 2 years.

Does Christopher have a specific hotel in mind where he can use the 2 free night certificates he’ll earn with the Chase Hyatt card for a stay that would otherwise cost hundreds of dollars?

Should You Get The Chase Hyatt Or AMEX Delta Platinum Card First Considering Chase's Stricter Approval Rules

Emily Exploring the Area Near the Hyatt Regency Maui. You Can Stay There With the 2 Free Night Certificates From the Chase Hyatt Card!

If that’s the case, he should apply for the Chase Hyatt card first.

But what if he needs more Delta miles for an upcoming award flight?  And the limited-time 60,000 Delta miles sign-up bonus from the personal version of the AMEX Platinum Delta card would save him even more money?

Then he should apply for that card first.

Here’s more about the Chase Hyatt card, the personal and business versions of the AMEX Platinum Delta card, and the AMEX Gold Delta small business card.

Chase Hyatt Card

With the Chase Hyatt card, Christopher can earn 2 free nights at any Hyatt after meeting minimum spend requirements.

And 5,000 bonus Hyatt points when he adds an authorized user and makes a purchase within the first 3 months of account opening.

The $75 annual fee is waived for the first year.  And you can read my review of the card here.

AMEX Platinum Delta Personal & Small Business Cards

Through July 6, 2016, the personal and small business versions of the AMEX Platinum Delta card have an increased sign-up bonus of 60,000 Delta miles and 10,000 Medallion qualification miles after completing minimum spending.

Should You Get The Chase Hyatt Or AMEX Delta Platinum Card First Considering Chase's Stricter Approval Rules

60,000 Delta Miles From the Limited-Time Increased Sign-Up Bonus on the AMEX Platinum Delta Personal & Business Cards Is More Than Enough for a Round-Trip Award Flight to Hawaii

And if you make a Delta purchase in the first 3 months of account opening, you’ll earn a $100 statement credit.

If Christopher has either of the cards, he’d also get perks like:

  • First checked bag free 
  • 2 miles per $1 you spend on Delta
  • 1 mile per $1 you spend on everything else
  • 20% discount on certain Delta in-flight purchases
  • Priority boarding
  • Domestic round-trip companion certificate each year on your card anniversary
  • 10,000 Medallion qualifying miles and 10,000 bonus miles when you spend more than $25,000 in a calendar year.  And an additional 10,000 Medallion qualifying miles and 10,000 bonus miles when you spend $50,000 in the same timeframe.
  • Pay With Miles
  • No foreign transaction fees
  • $195 annual fee is NOT waived the 1st year
  • Terms and restrictions apply

You can read my review of these cards here.

AMEX Gold Delta Small Business Card

Apply by July 6, 2016, and earn 50,000 Delta miles after spending $2,000 on purchases in the first 3 months of account opening with the AMEX Gold Delta small business card.

A get a $50 statement credit when you make a Delta purchase in the same timeframe.

You’ll also get:

  • 1 free checked bag for yourself and up to 8 traveling companions on the same reservation
  • 2 miles per $1 you spend on Delta
  • 1 mile per $1 you spend on everything else
  • 20% discount on certain Delta in-flight purchases
  • Priority boarding
  • Discount on Delta SkyClub lounge passes
  • Pay With Miles
  • AMEX OPEN discounts (business card only)
  • No foreign transaction fees
  • Terms and Restrictions Apply

The $95 annual fee is waived for the first year.

Bottom Line

If Christopher qualifies for a small business card, he could apply for the AMEX Platinum Delta Business or AMEX Gold Delta Business card at the same time as the Chase Hyatt card.

Or, if he’s worried about meeting minimum spending requirements on 2 cards at once, he could wait to apply for the Chase Hyatt card.

Either way, he’d get the limited-time increased sign-up bonus on the one of the AMEX Delta small business cards.  And would not hurt his chances of being approved for Chase cards.  Because AMEX small business cards do NOT show up on your personal credit report.

But if he does NOT qualify for a small business card, I’d suggest the Chase Hyatt card first because of Chase’s stricter approval rules.

Especially if he plans to use the 2 free night certificates from the Chase Hyatt card on a stay that would normally cost a lot of money.

But if he needs more Delta miles, the personal version of the AMEX Platinum Delta card might be more valuable to him.

As always, your decision should be based on your personal travel goals!

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One response to “Should You Get the Chase Hyatt or AMEX Delta Platinum Card First, Considering Chase’s Stricter Approval Rules?

  1. How about the other way around?
    When applying for a business account, will the bank know of my personal credit cards?