25,000 to 30,000 [Now 5,000] Delta Miles with the Suntrust Delta Debit Card

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Update:  The 30,000 sign-up bonus on the Delta debit card is over, but the debit card is still available with a 5,000 mile sign-up bonus.

Link:  Suntrust Debit Card

Suntrust Delta Debit Cards

Via Frugal Travel Guy, you can get up to 30,000 Delta miles by opening a personal Suntrust checking account and up to 25,000 Delta miles by opening a business Suntrust checking account by June 30, 2012.

This is a good deal for folks who can’t or don’t want to sign-up for credit cards to earn Delta miles, because you can earn miles with the Suntrust Delta Debit card (you earn more miles per $1 spent with the personal Delta debit card than with the business Delta debit card).

1.   Personal Delta Checking Account:

30,000 Mile Sign-up Bonus:   You get 15,000 Delta miles for making a purchase with the Suntrust Delta debit card by July 31, 2012.

You get another 15,000 Delta miles when you complete one direct deposit (payroll, pension, social security etc. to your account) by September 30, 2012.

Fees:  $75 annual fee for the debit card and $12 monthly fee if you open the Balanced Banking account (fee waived with minimum $3,000 daily balance in checking and other select Suntrust products).

There is a $25 fee for closing the account before 6 months, but that could be cheaper than the $12 monthly fees.

Earning Delta Miles:  Earn 1 Delta mile per $1 spent or 2 Delta miles per $1 spent for Delta purchases.  This is a good choice for folks who use a debit card extensively or who can’t get a miles-earning credit card, because it has the same earning structure as the Delta Gold credit card. Application Procedure: You may be able to open an account by  chatting with a Suntrust Representative online or by using the online application form even if you live in an area where there are no Suntrust branches. Suntrust Bank has branches in AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA and Washington, D.C.

However, some folks (not all) have reported on this FlyerTalk thread that their accounts were closed because they did not live in a Suntrust bank state.

2.   Business Delta Checking Account:

25,000 Mile Sign-up Bonus:   You get 25,000 Delta miles after making a purchase with the Delta business debit card by July 31, 2012.  And you may already have a business and not know it. Fees:  $120 annual fee for the debit card if you open the Business Interest Checking account.  No fee for the 1st 2 months and if you keep a $10,000 minimum daily balance. Earning Delta Miles:  Earn 1 Delta mile per $2 spent (compared to 1 Delta mile per $1 spent for the personal card) or 1 Delta miles per $1 spent for Delta purchases.  This is a good choice for folks who use a debit card extensively or who can’t get a miles-earning credit card. Application Procedure:  Unlike the personal checking account, you can’t open a business checking account via an online chat with a Suntrust bank representative, but have to go to a physical bank location to open the account. Bottom Line:  This may not be as lucrative as the previous offers of the Suntrust debit card where you could get the sign-up bonus more than once by opening multiple personal or business checking accounts.

But I’d gladly pay the fees and deal with a little paperwork to get up to 55,000 Delta miles!

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