Can I Stack MQMs from Spending on Multiple Delta Amex Cards?
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TPG reader Kevin sent me a message on Facebook to ask about earning Delta Medallion status:
"I have a Platinum Delta SkyMiles card, and I've passed both thresholds to earn bonus Medallion miles. Can I get another Delta card to earn even more elite miles, and if so, is that a good strategy?"
Several airlines offer paths to elite status through spending on co-branded credit cards, but Delta is perhaps the most generous. The Platinum Delta SkyMiles Card offers 10,000 Medallion Qualification Miles (MQMs) when you spend $25,000 in a calendar year, and another 10,000 MQMs when you spend $50,000. Meanwhile, the Delta Reserve® Credit Card from American Express offers 15,000 MQMs when you spend $30,000 in a calendar year, and another 15,000 MQMs when you spend $60,000.
Kevin wants to know if he can earn bonus elite miles from more than one of those Delta cards, and the answer is yes. Between the two, you could earn 50,000 MQMs each calendar year — enough to reach Gold Medallion status without setting foot on a plane. Furthermore, each of those cards has a business version with similar bonus opportunities; in theory, you could earn 100,000 MQMs annually from spending alone, and that doesn't account for any welcome bonuses that may include additional MQMs in the first year.
Whether it makes sense to hold more than one of these cards depends a lot on your travel and spending patterns, and how much you value Delta elite status. On one hand, you get elite miles along with some useful benefits: Both cards come with an annual domestic companion certificate, and the Reserve Card offers Sky Club access when you're traveling on a Delta-coded or Delta-operated flight. (You get other perks like a free checked bag and priority boarding, but those are redundant once you have elite status.)
Earning an extra 50,000 MQMs each year could easily mean the difference in reaching top-tier Diamond Medallion status, or could at least help you requalify consistently for a lower tier. You'll also get a waiver for MQD requirements, so it will be easier to maintain your elite status in years when you don't have many paid Delta flights.
On the other hand, the annual fees for the Platinum and Reserve cards are $195 and $450, respectively, so there's a significant cash outlay each year just for having them. More importantly, the spending requirements for the elite mileage bonuses are substantial; you'd need to spend $110,000 annually to max out the MQMs on the Platinum SkyMiles card and Reserve card combined. That creates an opportunity cost in terms of lucrative welcome bonuses and more valuable points you could be earning.
If you live in a Delta hub or if you're a devoted Delta frequent flyer, and if you can meet those bonus spending requirements without sacrificing too many other opportunities, then I think getting more than one of these cards is a reasonable strategy. Ultimately, there's no one-size-fits-all answer, so you'll need to evaluate based on your circumstances.
For more on Delta co-branded cards and Medallion status, check out these posts:
- Choosing the Best Credit Card for Delta Flyers
- Will My Delta MQMs Roll Over to the Following Year?
- How to Get Airline Elite Status Quickly in 2016
If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at info@thepointsguy.com.
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Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
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- No foreign transaction fees
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Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
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- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.