Today we get a bonus “rookie” day as I want all who can to get in on the current (not my link & ends soon) 55,000 RDM + 20,000 MQM Delta Platinum AMEX Business card deal. And I want to use this as a catch all post about the common Delta AMEX questions I get just about every day. So here we go.
Q1) I have the Gold Delta AMEX, can I get the Delta Reserve card and bonus points?
A1) No (at least no for the bonus). The important thing you must remember is that to AMEX the Delta Gold or Delta Platinum or Delta Reserve are all the “same” card, that is the same “family” of cards. If you have any of these 3 you cannot get the new card bonus on the other two. You may be able to hold more than one card, but why would you want to?
Q2) I have the Delta Reserve Business card, can I get the Delta Reserve personal card and hold both cards and earn MQM’s to my one Skymiles account.
A2) Yes. You can either follow THIS advice or you can, if you want to, hold BOTH a personal and business Delta card (Delta Gold or Delta Platinum or Delta Reserve) and earn Skymiles and MQM’s for both. In fact, at this point, Delta has said for next year’s MQD (medallion qualifying dollars) spend, the total amount from both personal and business cards will count towards your $25,000 spend total to be MQD exempt!
Q3) I have the Platinum AMEX Card, so I cannot get the Delta Platinum card right?
A3) Wrong. This is a common mistake due to the word Platinum. The Membership Rewards Platinum card is not at all in the same family as the Delta cards including the Delta Platinum card. Also this works the other way. If you, say, have the Delta Platinum it will NOT exclude you from getting the Membership Rewards Platinum card. And, like in Q2, if you have the personal Membership Rewards Platinum card you can also get the business Membership Rewards Platinum card.
Q4) I got the Delta Gold card 6 months ago, can I cancel and get the Delta Reserve card and the bonus points (I need the 10,000 MQM’s to make the next medallion level)?
A4) No! First it would be a very bad idea to cancel any credit card after just 6 months (why would you anyway)! Next, with ANY AMEX card it is all about the cancel date. You must wait 365+ days from the cancel date before you can get a new card bonus again.
Q5) Can I get both the Delta Platinum personal and business cards on the same day?
A5) Yes*. I say Yes* because you, if you have good credit, will more than likely get approved for the personal card and then the business card will be pending. You will then have to call AMEX and explain why you want both cards. You can, as we have talked about, hold both at once and have both credit your Skymiles account for both Skymiles and MQM’s.
Q6) I have several businesses. Can I get 2 or 3 Delta Reserve Business cards?
A6) “Officially” NO as per Delta you can only get the bonus for one type of card per person that is one for the personal and one for the business. Now what you can do is, say, have your wife also get a Delta Reserve card. The 10k bonus points will go to HER Skymiles account NOT yours. But, if she can spend $30,000 by 31DEC each year (spend is based on calendar year NOT your card year) then she can choose to gift you the 15,000 BONUS MQM’s (she will get the 15,000 Skymiles to her account not yours).
Q7) I have the personal Delta Platinum card. If I go for the Business card can I move my credit line over to that card?
A7) No. You can request to move a personal credit line from one card to another or a business line from one card to another, but not across products, that is you can not go business to personal or personal to business.
Q8) I have/am a Delta Platinum card as a sub-user on my husband’s Delta Reserve card. So to get my own Delta Platinum card I must cancel and wait 365+ days to get bonus points, right?
A8) No. Additional users are not the same as the primary card holder. Simply having or having been recently a sub-user does NOT stop you from personally getting your own card for yourself and the new card bonus.
So these are the questions I get each week (almost each day). I will use this post as a catch all to send to readers when these pop up. Have more? Fire away and if you are reading this months from now be sure to check the comments and your answer may be there as well! – René
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by American Express.
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