Should I upgrade Amex Delta Gold to Platinum?

Should I Upgrade Amex Delta Gold to Platinum?

Many Amex Delta Gold cardholders often wonder if they should upgrade to the Platinum version. The decision to upgrade depends on various factors such as travel preferences, spending habits, and the additional benefits offered by the Platinum card. In this article, we will explore the key features of the Amex Delta Platinum card and help you make an informed decision.

1. What are the main advantages of upgrading to the Amex Delta Platinum card?

Upgrading to the Amex Delta Platinum card comes with several enticing advantages. Firstly, Platinum cardholders enjoy access to Delta Sky Club lounges, providing a serene and luxurious environment to relax in before flights. Additionally, these cardholders are eligible for a complimentary companion certificate each year, allowing them to bring a friend or family member along on their travels for free. Furthermore, Platinum cardholders receive an annual statement credit towards the Global Entry or TSA Pre✓® application fee, making airport security a breeze. These are just a few of the perks that come with upgrading to the Amex Delta Platinum card.

2. How does the annual fee of the Amex Delta Platinum card compare to the Gold card?

The annual fee for the Amex Delta Platinum card is higher than that of the Gold card. While the Gold card has an annual fee of X, the Platinum card’s annual fee is X. However, considering the additional benefits and rewards offered by the Platinum card, many cardholders find the increased fee worthwhile. It is important to assess your spending habits, travel frequency, and utilization of the Platinum card’s benefits to determine if the higher fee is justified for you.

3. Will upgrading to the Platinum card affect my credit score?

Upgrading your Amex Delta Gold card to the Platinum card will not directly impact your credit score. American Express typically considers an upgrade as a card configuration change rather than opening a new account. However, please note that your credit score may be affected by other factors such as credit utilization and payment history, which are independent of the card upgrade process.

4. Can I earn more rewards with the Amex Delta Platinum card?

Yes, upgrading to the Platinum card allows you to earn more rewards compared to the Gold card. The Platinum card offers a higher earn rate on Delta purchases, enabling cardholders to accumulate more SkyMiles. Additionally, the Platinum card provides opportunities to earn bonus miles through various spend categories such as dining and hotels. These enhanced earning potentials make the Platinum card a preferred choice for frequent travelers who wish to maximize their rewards.

5. How does the travel insurance coverage compare between the Gold and Platinum cards?

The Amex Delta Platinum card offers more extensive travel insurance coverage compared to the Gold card. Platinum cardholders enjoy benefits such as trip cancellation and interruption insurance, baggage insurance, and car rental loss and damage insurance, providing peace of mind during their travels. While the Gold card also offers some travel insurance coverage, the Platinum card’s enhanced protection is often preferred by frequent travelers.

• Can I downgrade my Platinum card back to the Gold card if I am not satisfied?

Yes, if you find that the benefits and features of the Platinum card do not align with your needs and preferences, you have the option to downgrade back to the Gold card. It’s always advisable to closely evaluate your travel and spending habits before making any changes to your credit card.

• What additional travel perks does the Platinum card offer?

Platinum cardholders enjoy additional travel perks such as priority boarding, free checked bags, and discounts on in-flight purchases. These perks enhance the overall travel experience and provide added value.

• Are there any hotel or rental car benefits included with the Platinum card?

Absolutely! The Amex Delta Platinum card offers hotel and rental car benefits such as room upgrades, late check-out, and complimentary car rental insurance. These benefits create a more enjoyable and convenient travel experience.

• Does the Platinum card have any foreign transaction fees?

No, the Amex Delta Platinum card does not charge any foreign transaction fees. This makes it an excellent choice for international travelers as they can make purchases abroad without incurring additional charges.

• Can I transfer my existing points from the Gold card to the Platinum card?

Absolutely! When you upgrade your Amex Delta Gold card to the Platinum card, your existing points will be transferred seamlessly. You won’t lose any accumulated rewards during the upgrade process.

• Are there any limitations to using the complimentary companion certificate?

While the complimentary companion certificate provided with the Amex Delta Platinum card offers great value, it does come with certain restrictions. These restrictions include blackout dates and limitations on eligible flights. It is important to carefully review the terms and conditions to maximize the benefits of the companion certificate.

• Can I upgrade my existing Delta Gold card to the Platinum card immediately?

Yes, you can upgrade your existing Delta Gold card to the Platinum card immediately, provided you meet the eligibility criteria set by American Express. Simply contact American Express customer service and they will guide you through the upgrade process.

• What additional customer support does the Platinum card provide?

Platinum cardholders receive dedicated customer support, ensuring a seamless experience. The customer support team is available 24/7 to assist with any queries or concerns regarding the Platinum card or its benefits.

• Are there any limitations on accessing Delta Sky Club lounges with the Platinum card?

While access to Delta Sky Club lounges is a fantastic perk of the Platinum card, it is subject to space availability. During peak travel periods, certain lounges may have capacity restrictions. However, Platinum cardholders still enjoy priority access, increasing their chances of enjoying the lounge facilities.

• What happens to my existing Delta Gold card after upgrading to the Platinum card?

Once you upgrade to the Delta Platinum card, your Delta Gold card will be closed, and you will receive the upgraded Platinum card. It’s important to transfer any recurring payments or autopay profiles from the Gold card to the Platinum card to avoid any disruption in services.