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Bad News for Suntrust Delta Debit Cardholders

Bad News for Suntrust Delta Debit Cardholders

Million Mile SecretsBad News for Suntrust Delta Debit CardholdersMillion Mile Secrets Team

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Thanks to Million Mile Secrets reader Brant for letting me know about changes to the Suntrust Delta Debit card.

This card hasn’t been open to new applicants for a while, but folks who have it will NOT be happy.

Starting July 25, 2015, there will be a limit to the number of Delta miles you can earn per month.  The annual fees are increasing, and some cardholders will earn fewer miles per $1 they spend.

Bad News For Suntrust Delta Debit Cardholders
The Suntrust Delta Debit Card Won’t Be as Easy a Way to Earn Delta Miles After July 25, 2015

I’ll explain the changes!

What’s the Deal?

Link:   My Review of the Suntrust Delta Debit Card

Until now, folks have used the Suntrust Delta Debit card to earn easy Delta miles for their everyday spending (like paying bills that can’t normally be paid with a credit card), purchasing money orders, and paying their taxes with minimal fees.

Here are the important changes.

1.   Monthly Miles Earning Limit

There hasn’t been a limit to the number of Delta miles folks could earn.  But that’s changing.

Starting July 25, 2015, you’ll be limited to earning:

  • 4,000 Delta miles per 30 day period for Signature Advantage Account holders
  • 2,000 Delta miles per 30 day period for non-Signature Advantage Account and business account holders
Bad News For Suntrust Delta Debit Cardholders
There Will Be a Limit to the Number of Delta Miles You Can Earn per Month

2.   Annual Fee

The annual fees are changing, too:

  • $120 per year for Suntrust Delta Business cardholders
  • $95 per year for non-Signature Advantage Account holders
  • $75 per year for Signature Advantage Account holders ($25 per year if you have more than $100,000 in combined deposits and investments or if you are a Suntrust Premier Client)
  • Free if you’re a Suntrust Private Wealth Management client
Bad News For Suntrust Delta Debit Cardholders
Most Folks Will Pay a Higher Annual Fee

3.   Miles Earned per $1

Suntrust is also changing the number of miles you’ll earn per $1 you spend, depending on the type of account you have.

  • Signature Advantage Account Holders – 1 Delta mile per $1 you spend for PIN point of sale and signature-based purchases (2 Delta miles per $1 you spend on Delta purchases)
  • Non-Signature Advantage Account holders and business account holders – 1 Delta mile per $2 you spend you spend for PIN point of sale and signature-based purchases (1 Delta mile per $1 you spend on Delta purchases)
Bad News For Suntrust Delta Debit Cardholders
Some Account Holders Will Earn Fewer Miles per $1 They Spend

These are NOT good changes.  But it’s a good reminder that our hobby is constantly evolving, and we have to be ready to adapt.

There will always be new ways to earn miles and points (and I’ll share them with you!).

Bottom Line

The Suntrust Delta Debit card (no longer open to new applicants) is changing effective July 25, 2015.  And it’s not good news.

There will be limits to the number of Delta miles you can earn per month, depending on the type of account you have.  Annual fees are changing, and some folks will earn fewer Delta miles for their purchases.

While this isn’t positive, there are always new ways to earn miles and points in our hobby.  And I’ll tell you about them!

Will you keep your Suntrust Delta Debit card after the new terms take effect?

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Monthly fee waiver is only $3k for non-signature so miles really only cost annual fee of $95. $25k for Advantage is much less attractive.

The 50% cut in mile earnings and 2k miles limit (5th through 4th of month, not 30 day rolling period) are a big disappointment and may be a killer for many though.

Rumor: Several reps have made casual remarks that Delta card will finally SOON BE AVAILABLE (July 2015?), but for Advantage card (and higher fee “relationship” account types?) but ONLY for States having Sun Trust branches.

Stanley Hoffman

Delta Skymiles Debit Card

Max of 2000 miles per month with non-signature advantage checking for $4000 in transactions $12/mo maint fee. So 2000 miles for $12 a month or 0.6 cents a Delta mile but for $4000 in transactions.

Max of 4000 miles per month with Signature Advantage checking with $25/month fee so 4000 miles for $25 = 0.625 cents per mile with same $4000 in transactions.