How Can I Downgrade My Delta Amex Credit Card?
If you have a Delta SkyMiles American Express Card and want to switch to a different Delta Card, you can ask American Express whether your account is eligible for a product change.
You do not need to apply for a new credit card to ask about a product change. The first step is to contact American Express and ask what options are available for your existing account.
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How Do I Request a Delta Amex Downgrade?
The easiest way to request a downgrade is to contact American Express directly.
For an existing personal American Express Card, call 1-800-528-4800. American Express lists this number for Personal Card customer service and says it is available 24 hours a day, 7 days a week.
You can also log in to your American Express account and use the online chat feature.
Visit the American Express Contact Us page to find the current customer service information directly from American Express.
What Should I Say When I Call American Express?
You can keep the request simple. Tell the representative:
“I have a Delta SkyMiles American Express Card and I would like to know whether I am eligible for a product change to another Delta Card. What options are available on my account?”
The representative can review your account and tell you which product-change options are available.
Do not assume that every Delta SkyMiles Card can be changed to every other Delta SkyMiles Card. Ask American Express which options are available for your specific account before agreeing to the change.
What Should I Ask Before Downgrading?
Before accepting a product change, ask American Express to explain exactly what will happen to your current account and benefits.
- Which Delta Card can I change my account to?
- What annual fee will apply to the new Card?
- Which benefits from my current Card will I lose?
- Which benefits will I receive with the new Card?
- What happens to any unused credits or certificates?
- Is there anything else about my current Delta benefits that will change?
Getting these answers before completing the product change can help you avoid giving up a benefit you still want to use.
Important If You Have a Delta Reserve Card
If you have the Delta SkyMiles Reserve American Express Card, there are specific downgrade rules in the American Express benefit terms that are worth knowing before you make the change.
American Express states that Delta reserves the right to cancel, rescind, or void a Reserve Card Companion Certificate if the Card is canceled or downgraded within 60 days of the date the annual fee is billed.
If you have an unused Reserve Companion Certificate, check the terms and ask American Express about it before downgrading.
What Happens to the $2,500 MQD Headstart?
If you are downgrading from an eligible Delta SkyMiles Reserve Card to an eligible Delta SkyMiles Platinum Card, there is another important point.
American Express states that a Card Member who downgrades from an eligible Reserve Card to an eligible Platinum Card will not receive an additional $2,500 MQD deposit for the Platinum Card.
American Express also states that Delta can cancel, rescind, or void MQDs, or cancel or downgrade Medallion Status based on the adjusted MQD total, if the Card is canceled or downgraded to a non-eligible Card within 60 days after the MQDs are deposited or within 60 days after the eligible Card renewal date.
If you currently receive MQD Headstart benefits, make sure you understand these rules before changing your Card.
Do You Have to Cancel Your Delta Amex?
No. A product change is different from simply closing your credit card account. When you ask American Express about a product change, you are asking whether your existing account can be changed to another eligible Card.
Whether a particular Delta Card is available as a product change depends on your account. American Express can tell you what options are currently available.
Bottom Line
The simplest way to downgrade a Delta Amex is to contact American Express and ask about a product change on your existing account. Call 1-800-528-4800 or use the online chat after logging in to your American Express account.
American Express can tell you which product-change options are available and explain what will happen to your Card's benefits before you agree to the change.
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