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Delta Increases Credit Card Fees

One of my money saving strategies was to hold a Delta Gold AMEX card (free checked baggage, "early" boarding), but this morning I received an unwelcome email from Delta informing me that the annual fee will increase from $99 to $150 the next time my renewal rolls around. Of course, Delta tried to soften the blow with an increase of the flight credit from $100 to $200, but that's only after I spend $10k a year on the card. Not gonna happen. When you compare the benefits of the Venture X to what Delta is offering (even with the annual $300 Venture X fee), Delta's "perks" pale in comparison. I was willing to pay $99 annually, but not $150. Bye, Delta.

Posted by
1190 posts

Somebody has to pay for these perks.

I am seeing more and more merchants adding a 2% surcharge when a credit card is used.

Posted by
23268 posts

My notice was $250 to $350. Will rethink it for sure.

Posted by
6323 posts

I just got that email also. Sigh. I'm not sure what I'm going to do. I hate this.

Posted by
510 posts

@Mardee I don't usually send strongly-worded emails, but I took them up on their offer at the bottom of the email to "share [my] impressions" with their team. Maybe if they get enough pushback . . . well, who knows.

Posted by
2353 posts

$200 Delta flight credit after spending $10,000 annually for a $150 annual fee. You could just get a flat 2% cash back card and get that $200 with no annual fee.

Edit: This year I'm using a card that's giving me 5% cash back on grocery stores and gas stations for 12 months, no annual fee, plus a $200 bonus. I'll just hoard the points and "pay myself back" in a lump sum once I buy plane tickets early next year. It's my way of getting a discount flight.

Posted by
7558 posts

Yikes, the Reserve card is now up to $650/yr.

I will still fly Delta, just works out better 90% of the time, but I was already card shopping. Will likely downgrade to keep free bags, keep miles from expiring, and a few other perks, but with retirement and changes to their Medallion program, I doubt I will have status for long.

I could look at AA or United more, but from where I am at, that means transiting through Ohare or in conjunction with several nightmare airports. Delta is just so nice to use MSP, DTW, or ATL.

Posted by
315 posts

I also just sent an email reply and will reconsider keeping the card. Which is unfortunate, since we fly Delta mostly. Free checked bags is great - the few times I check a bag. But it's the only card I have that charges a fee. And fewer merchants take Amex these days (because of the higher fees).

Posted by
4519 posts

I just closed mine. I kept it for the free bags but I don't have anything scheduled this year where that will be an advantage. If history is any indication I will get an offer in 2 years to reopen it for a new sign up bonus.

In general these types of cards are not as good as a straight rebate card.

Posted by
2745 posts

Mine is up for renewal in Sept... that's probably the end of it. The Capital 1 and my hotel cards are a better combination.

Posted by
901 posts

To top it off, "This adjustment allows us to give you even more benefits and continue delivering the elevated experiences you expect"!

Don't. Just don't insult my intelligence.

Posted by
6323 posts

@Mardee I don't usually send strongly-worded emails, but I took them up on their offer at the bottom of the email to "share [my] impressions" with their team. Maybe if they get enough pushback . . . well, who knows.

Jeff, good point. I will send back a response and see what happens.

I left a recent review after my flight from RSW to MSP, which is something I hardly ever do. But I wanted to let them know how much I appreciated the generous sized seats on that particular aircraft in Main Cabin. I even mentioned that I frequent a travel forum and that many people on the forum discuss the seat sizes of the various aircraft, and that it is a consideration when booking tickets.

Posted by
664 posts

I'm curious about the $100 Delta Stays credit - the primary requirement is that the booking is paid upfront. If the credit is $100 off the top, and not a small percentage of the purchase, it could pay for the annual increase.

The hotels I'm looking at in Poland are available, so I may give it a try.

And to be clear, it's Amex that's increasing the fee, and not the airline [although they are complicit].

Posted by
1368 posts

I’m with Mary. I have no annual fee cards that provide at a minimum 1.75% cash back and up to 4.5%. Since most of my bills are on auto-pay I easily earn enough for a free flight each year.

Oh, and I pay cash at the mom and pop stores so they don’t get charged by the cc companies.

Posted by
7291 posts

I’ve been flying on Delta, my usual choice, for the past three days. I was disappointed to see this email, also. We don’t check luggage, so that isn’t a perk for us. And our normal credit card we use gives us a good cash back comparatively, so I will probably drop the Delta card.

Posted by
325 posts

Got the email. I'm cancelling. I will send email regarding insulting my intelligence with their "improved" benefits.

Posted by
406 posts

I’ve always thought it was unusual that Delta’s c card was with AMEX. Any idea why that? That’s the one card most likely to be not accepted by merchants even though it doesn’t happen a lot I guess. When I worked retail we were told to always take MC or Visa if given a choice.

We use the Alaska Airlines Visa card, daughter and family in Fairbanks, and we usually can use miles for our flights. Glad they didn’t go with Amex.

Posted by
2745 posts

Delta’s credit card is with AMEX because when Delta was close to bankruptcy several years ago, AMEX wrote a very very very large check. Delta now a lot of. revenue from AMEX - possibly more than from flying flights.😂

Posted by
406 posts

Thanks Carol, that IS interesting. I missed that story but see why you being in Atlanta would know it. They are pretty big employers in your area, right? American is the big airline here in the DFW area. It always comes down to money doesn’t it. I just flew Alaska A to Fairbanks and back and the flight attendants always pitch signing up for their credit card. I’ve never heard it on an American flight.

Posted by
6323 posts

Delta’s credit card is with AMEX because when Delta was close to bankruptcy several years ago, AMEX wrote a very very very large check. Delta now a lot of. revenue from AMEX - possibly more than from flying flights.

Actually, that's not correct. AMEX and Delta's relationship goes back a very long time and is based on a lot of things. I've had my AMEX Delta card since 1997 and Delta didn't declare bankruptcy till the mid-2000's.

Here's an article, Lyndash, that explains it a bit.
https://apnews.com/article/american-express-amex-delta-credit-card-skymiles-1fe9e3a78b7cb52b09cfa234db2c77f9

Posted by
664 posts

Maybe crying before being hurt? I just reduced my net annual Amex Skymiles fee to $50 by taking advantage of the new Delta Stays offer - I prepaid a stay at Hotel Admiral in Gdansk through Delta Stays and was just notified that I received my $100 statement credit:

As part of your Card benefits, you’ve earned a $100.00 Delta Stays statement credit after using your Delta SkyMiles® Gold Card to purchase an eligible prepaid hotel or vacation rental booking through Delta Stays on delta.com.

Please no lectures on pre-paying vs. cancellable reservations, using Expedia [which is the Delta Stays booking engine] rather than booking with the hotel directly, etc. I'll happily take the $100 credit.

Posted by
2745 posts

Yes I know Amex is giving us "credit" for booking via their engine.

Hmm.... that means I lose my credit with the hotel chain and the points for that stay. Since my "free" hotel rooms are generally worth more than $100 the credit was worthless to me.

Plus most of the small hotels I stay at in Europe don't want to take Amex (can't imagine why, the fees are only a LOT higher LOL!)