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Thread: Amex Delta Reserve Card spend question - what would you do
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Old Feb 7, 2025 | 3:52 pm
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lindros2
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Originally Posted by andrewk829
I have an "optional" (medically unnecessary) outpatient surgical procedure in a few weeks that I will need to self-fund. The cost is $16,800. I could put this on my Delta Amex Reserve card and earn the 16,800 SkyMiles, as well as 1680 MQDs. It'd also get me closer to the $75,000 waiver on unlimited SC visits, though I don't think I'll make it to $75K in spend this year in the absence of a large unanticipated expense.

However, the provider offers a $500 discount for cash payment (i.e., it'd be $16,300 instead of $16,800).
we literally JUST went through this today. Like, literally - but for private school, not medical. And it was $22k.
We decided to do cash (or that is, debit from checking account).

The credit card fee wasn't worth it.
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