This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.
I want to start with some facts. Here they are:
1) I have been asked by readers for this post and to save it in Q&A.
2) If you have a moral objection or gripe about bloggers & credit cards please stop reading right now and simply come back tomorrow to resume the “regularly scheduled blog posts”.
3) I follow the below directions myself.
OK, now that that is out of the way here is some information. Per AMEX reps, including supervisors in charge of Delta Amex card promotions, you can get the NEW CARD sign up bonus for ANY Delta Amex card
every 24 months (EDIT: The NEW RULE is you must NOT have the SAME card for the past 12 months or 365 days. It is the CLOSE date of the card that matters NOW). There are caveats and I will try to cover them.
Here is the ideal Delta Churn.
Year 1 you get any Delta Amex personal card and then your wife/other goes for Biz card
Year 2 you get any Delta Amex biz card (pick biz after 1st click) & your wife/other goes for personal card. Once you have Year 2 cards you CANCEL Year 1 cards
Year 3 rinse and repeat the above, forever (be sure to wait 366 days after close date to reapply)!
Now you naturally always want to have some sort of Delta Amex card to get free bags and all the other nice perks the cards give you when you fly. Also please note you DO NOT need to have a business to get the business cards!
Some generic info about “churning” and what is churning? My wife and I get a total of almost 20 credit cards each and every year. My credit score pre-churn date is always over 750 fico and vantage over 900! We have hundreds of thousands of dollars of available (not used!) credit on cards. So every 90 days or so we both get 2-5 cards. Most of the time we get instant approvals, sometimes I have to call and move around credit lines to get approvals. Last year we both had 100% approvals on all cards and earned literally millions of miles.
So why do we do this? I learned from Rick the “Frugal Travel Guy“. He knows this game very well. You may have seen him on Nightline and may have had the privilege to hear him speak at the Chicago or other DO’s. I know him and he is a brilliant man. So, if you do 3 or 4 or 5 applications all on the same day for different banks, your odds for approval on them all goes way up! Also keep in mind it is good to have a long credit history. So keep what ever card you really love, ideally one with no annual fee, forever and charge something to it each and every year!
So what would be an idea for a Delta churn today? Look at this:
- You get Delta Amex GOLD or PLAT or Reserve card
- Your other gets Delta BIZ GOLD BIZ or PLAT or Reserve
- (you must click biz button on the 1st page of the app)
- You get the Chase Freedom card
- Your other gets Chase Sapphire card
- OR go for the INK BOLD biz or INK PLUS biz cards
- You both get Citibank HHonors card
(above are my links & I get referral credit -thanks for supporting the blog)
This 3 card Churn will net you two over ¼ MILLION points in ONE DAY (once min spend is met for each card that is). Now, over the next 90 days, meeting the spend is the challenge for you to work on your way. But at a conservative 1 cent per point you have gained $2500 in free travel. Do this 4 times and you have 1 Million points! – René
▲Delta▲ SkyMiles® Credit Card
from American Express®
Click here for more information