Sep 26 2017

Delta Debit Card – Do NOT Apply Without Seeing This Review! #delta #debit #card #review,delta #airlines #debit #card #review


Delta Debit Card

by CreditCardForum Staff

Q:I got an application in the mail today for the Suntrust Delta SkyMiles debit card. What gives better rewards the Delta debit card or their credit card?

A: There are actually three different Suntrust Delta debit cards. Here s a brief overview of each:

Delta SkyMiles Classic Check Card (this version was discontinued in 2012)

  • 1 mile for every $2 spent (signature-based purchases only)
  • Double miles on all purchases made directly from Delta (i.e. airfare, in-flight snacks, etc.)
  • Annual fee is $20.00

Delta SkyMiles World Check Card

  • 1 mile for every $1 spent (signature-based purchases only)
  • Double miles on purchases from Delta Airlines
  • Annual fee is $75.00

Delta SkyMiles Business Check Card

  • 1 mile for every $1 spent (signature-based purchases only)
  • Double miles on Delta purchases
  • Annual fee is $120.00

Previously these were all Visa, but a couple years ago back in 2010, Suntrust switched their Delta debit to MasterCard.

  • The rewards on the World and Business version are respectful at 1 mile per dollar
  • The annual fees went up significantly during 2012 (from $55 to $75 for the personal, and $55 to $120 for the business version).
  • As I m sure you are aware, the Delta credit cards (through American Express) now include a benefit that gives you the first checked bag for free. This is a very valuable benefit, considering that just one round-trip flight with one checked bag would normally cost you $50. Unfortunately I don t see this benefit listed on the Suntrust Delta debit card.
  • You only earn the points on signature-based transactions, not PIN-based transactions (meaning you need to select credit instead of debit when paying). So in order to earn miles, you won t have the same versatility and options you would with a normal debit card.
  • The lower cost Classic version has been cancelled.

Is it still worth it in 2013?
You will need to fork over at least a $75 annual fee. If you re going to pay that much, you might as well pay $20 bucks more for the annual fee on a Delta AmEx credit card instead. Why? Because you will be getting a heck of a lot more benefits on Delta Airlines (like the first checked bag for free) plus you will be getting the American Express benefits on eligible purchases like the extended warranty, purchase protection for eligible stolen/damaged items in the first 90 days from purchase, etc. So you are definitely getting more bang for your buck by going with a Delta AmEx instead of a Delta Airlines debit card.

Delta AmEx promotion (sponsored offer)

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