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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Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.  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.

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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