Jul 3, 2014, 12:11 pm
Last edit by: muji
Please don't delete this Wiki.
Some of us still earn Delta miles with this card or may want information about past or grandfathered terms and conditions.
Please do not spread panic about miles not posting until after the 10th of each month.
In most cases, miles post in the evening on the 5th of each month if it's a business day, or else the evening of the next business day. "Miles post for purchases made between (inclusive) 5th day of prior month to 4th day of current month."
__________________________________________________ ____________
Current offer (as of March 2017) is for just 5,000 miles.
https://www.suntrust.com/personal-ba...les-debit-card
Most current 25,000 offer was in-branch only, through May 9, 2016:
History of Recent Past Offers:
Changes as of 7/25/15 :
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If SunTrust closed your account, it would be great if you could share a little info about the account history.
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Some of us still earn Delta miles with this card or may want information about past or grandfathered terms and conditions.
Please do not spread panic about miles not posting until after the 10th of each month.
In most cases, miles post in the evening on the 5th of each month if it's a business day, or else the evening of the next business day. "Miles post for purchases made between (inclusive) 5th day of prior month to 4th day of current month."
__________________________________________________ ____________
Current offer (as of March 2017) is for just 5,000 miles.
https://www.suntrust.com/personal-ba...les-debit-card
Most current 25,000 offer was in-branch only, through May 9, 2016:
INTRODUCING YOUR NEW EVERYDAY GETAWAY CARD: THE SKYMILES® DEBIT CARD.
Ready for a one-of-a-kind debit card that actually rewards you? Here's one that deposits miles directly into your SkyMiles account. You can earn up to 25,000 bonus miles with the SkyMiles World Debit Card from SunTrust. What's more, when you use your Card for everyday purchases, the miles add up quickly — and they'll never expire.
Here's how it works:
• Present this email at your nearest branch, or call 1-800-650-7277 and mention this offer.
• Get 5,000 bonus miles when you open or upgrade to a new qualifying SunTrust Signature Advantage Checking account with a Delta SkyMiles Debit Card and make your first qualifying purchase. If you already have a Signature Advantage Checking account, ask to upgrade your debit card to a Delta SkyMiles Debit Card.
• Get an additional 20,000 promotional bonus miles when you make 20 qualifying purchases within the first 90 days of account opening.
Continue to earn miles just for using your Card:
• Earn 1 mile for every dollar spent on everyday purchases like groceries, gas and restaurant purchases.1 (up to 4,000 per Card monthly)
• Earn 2 miles per dollar on all direct Delta purchases including flights, Delta Sky Club® passes, in-flight purchases of food and beverages and more.1
• Apply your miles toward upgrades and Award Travel to more than 1,000 destinations worldwide2 on Delta and its partner airlines.
• $75 Annual Fee (reduced fee may apply, ask for details).1
Hurry — this incredible 25,000 bonus mile offer is only available until May 9, 2016.
VISIT YOUR LOCAL BRANCH
Ready for a one-of-a-kind debit card that actually rewards you? Here's one that deposits miles directly into your SkyMiles account. You can earn up to 25,000 bonus miles with the SkyMiles World Debit Card from SunTrust. What's more, when you use your Card for everyday purchases, the miles add up quickly — and they'll never expire.
Here's how it works:
• Present this email at your nearest branch, or call 1-800-650-7277 and mention this offer.
• Get 5,000 bonus miles when you open or upgrade to a new qualifying SunTrust Signature Advantage Checking account with a Delta SkyMiles Debit Card and make your first qualifying purchase. If you already have a Signature Advantage Checking account, ask to upgrade your debit card to a Delta SkyMiles Debit Card.
• Get an additional 20,000 promotional bonus miles when you make 20 qualifying purchases within the first 90 days of account opening.
Continue to earn miles just for using your Card:
• Earn 1 mile for every dollar spent on everyday purchases like groceries, gas and restaurant purchases.1 (up to 4,000 per Card monthly)
• Earn 2 miles per dollar on all direct Delta purchases including flights, Delta Sky Club® passes, in-flight purchases of food and beverages and more.1
• Apply your miles toward upgrades and Award Travel to more than 1,000 destinations worldwide2 on Delta and its partner airlines.
• $75 Annual Fee (reduced fee may apply, ask for details).1
Hurry — this incredible 25,000 bonus mile offer is only available until May 9, 2016.
VISIT YOUR LOCAL BRANCH
History of Recent Past Offers:
Changes as of 7/25/15 :
Balanced Banking (no longer available): 95a/f, 1mile/$2 up to 2000 miles, $3000 daily collected balance to avoid monthly fee
Signature Advantage: $75a/f, 1mile/$1 up to 4000 miles, $25000 daily collected balance to avoid monthly fee
Solid Choice: $95a/f, 2m/$1 up to 2000 miles, $5000 daily collected balance to avoid monthly fee
SunTrust has a list of items that aren't supposed to earn miles, but some do anyway: cash advances, cash back, ATM transactions, tax payments, payments for stored value cards, wire transfers, money transfers, money orders, cashier checks, quasi cash, travelers cheques, purchase of monetary instrumentsSignature Advantage: $75a/f, 1mile/$1 up to 4000 miles, $25000 daily collected balance to avoid monthly fee
Solid Choice: $95a/f, 2m/$1 up to 2000 miles, $5000 daily collected balance to avoid monthly fee
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If SunTrust closed your account, it would be great if you could share a little info about the account history.
----------------------------------------------------------
Truist (fka Suntrust) Skymiles Check Card [see WIKI for offers]
Jul 21, 2015, 11:02 am
#2356
Join Date: May 2014
Location: PWM
Programs: Delta PM
Posts: 822
While I do fall into the category of someone who has been abusing this the past couple months the only reason I'm doing that is due to the change in terms of the program. I was perfectly happy with this product earning between 8k and 20k miles per month on my normal spend. Since they are gutting the program I'm trying to get what I can out of it.
For me it's always been about a Visa product that earns skymiles. I put the vast majority of my spend on Amex but not everyone takes Amex. I liked this card for those instances but with the new cap's it's barely worthwhile. I'm also not in a ST state so I fear my days with the program are limited.
Jul 21, 2015, 7:37 pm
#2357
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
Honor is not my objective.
My hope is that by abiding by the terms and conditions (and their intent even if technically vague or not enforced) will maximize those benefits over time for everyone who enjoys those benefits.
I have seen too many programs shut down or severely diluted, perhaps due to severe MS generation by a tiny minority of the program participants.
Hopefully the details of what triggered the severe dilution of benefits on the 25th become available so that everyone can choose to benefit (or not) from that info.
My hope is that by abiding by the terms and conditions (and their intent even if technically vague or not enforced) will maximize those benefits over time for everyone who enjoys those benefits.
I have seen too many programs shut down or severely diluted, perhaps due to severe MS generation by a tiny minority of the program participants.
Hopefully the details of what triggered the severe dilution of benefits on the 25th become available so that everyone can choose to benefit (or not) from that info.
Jul 21, 2015, 7:55 pm
#2358
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
For me, the real benefit of this Delta debit card is paying taxes with a sub $3 fee instead of 1.9% - a difference of about $650 for a 35k tax payment. That feature is gone as of the 25th - so sad! 
Jul 21, 2015, 9:18 pm
#2359
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
To be clear, the $3 debit card feature remains. The limit to 2k (4k) per month and 1 mile per 2 $ really cripples the miles benefit of this card as of the 25th. Paying $3 for 4k tax payment for 2k miles once each month is quite limiting. At that rate it takes a year and a half and $54 in fees and $72k of tax payments to rack up 36k miles vs 1 day and $3 for 35k miles now.
Last edited by uds0; Jul 21, 2015 at 9:43 pm
Jul 21, 2015, 10:44 pm
#2360
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
To be clear, the $3 debit card feature remains. The limit to 2k (4k) per month and 1 mile per 2 $ really cripples the miles benefit of this card as of the 25th. Paying $3 for 4k tax payment for 2k miles once each month is quite limiting. At that rate it takes a year and a half and $54 in fees and $72k of tax payments to rack up 36k miles vs 1 day and $3 for 35k miles now.
Jul 22, 2015, 8:59 am
#2362
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,951
My online debits (fb, BB loads) all say posted 2 days after transaction date. My pin debit transaction at POS all say posted same day. But to be safe I'm using today as my cutoff. If my POS today post today, then maybe I'll do some tomorrow.
Jul 22, 2015, 9:15 am
#2364
Join Date: Dec 2010
Posts: 1,516
Jul 22, 2015, 9:24 am
#2365
Join Date: Jan 2011
Programs: UA S, Marriott P
Posts: 1,154
All of us doing small tax payments will now suffer because people like you took "advantage" of a program. I dont think ST created the program for people to pay 75k worth of taxes.
I'm estimating huge taxes in tax year 2014 so I'm paying single 35k/day (limit) using debit card with $2.59 flat fee, vs credit card $654.50 (1.87%), via Pay1040.COM. Overpayment, if any, should be returned shortly after filing actual 2014 return, as a check from the US Treasury.
Jul 22, 2015, 2:57 pm
#2366
Join Date: Mar 2013
Location: MEM
Programs: DL PM, AA Plat, SPG Plat, HH Diamond, WN Companion
Posts: 62
Grief is starting to settle in... I made my last visit to my friendly WM cashier this morning... we became quite close over the past few weeks. Between her and Kate, I'm afraid that the ladies at my local WM will be very lonely over the next few weeks wondering where their best friend has gone...
Jul 22, 2015, 3:48 pm
#2367
Join Date: May 2014
Location: PWM
Programs: Delta PM
Posts: 822
Went to WM this morning and snagged 5k MO. Went after work and snagged 8k. 7k tomorrow and it's over. Looks like the info about the 9k limit above is correct, 8k was not a problem. Happy final 30ish hours!
Jul 22, 2015, 5:28 pm
#2368
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,951
ST MO deposits: have any of you done it? If so, how much at once did you do? And then did you repeat? I know they don't like it, but I may need to do this next week. If it's a nightmare, I'll avoid, but thought I'd ask.
Last edited by Stgermainparis; Jul 22, 2015 at 5:43 pm
Jul 22, 2015, 5:47 pm
#2369
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
Paying taxes is not recycling cash, which is clearly not the intended use of the card to generate miles.
2014 happens to be the only year where I was unfortunate enough to be forced to liquidate an asset that also generated a huge tax bill but not so much cash. Hopefully I won't be so "lucky" to take advantage of that particular situation again in the future.
Jul 22, 2015, 6:00 pm
#2370
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,951
In case anyone needs to top up or doesn't reach their goal by tomorrow, there's a new Delta Amex offer out there for 60k bonus after 1k spend. I got the business one last month for 50k, and I've never seen one this high. See this article on how to find the offer (I'm not affiliated with the blog, just saw it on boardingarea: http://milestomemories.boardingarea....edit-card-60k/