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Can You Earn Bonus MQM From (and Hold) Multiple Delta Amex Cards at the Same Time? [Rookie Wednesday]

Chris Carley by Chris Carley
March 10, 2021 - Updated on October 26, 2021
in Credit Cards
7
Four credit cards earns bonus Delta MQM when you reach certain spending thresholds: The Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Cardfrom American Express The Platinum Delta SkyMiles Credit Card from American Express and Delta SkyMiles® Platinum Business American Express Card. The Track Your Status Boost counter on Amex’s website displays how much you need to spend in order to reach a certain tier.
Eye of the Flyer, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Eye of the Flyer and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


RenesPoints Rookie

Welcome to a regular feature on the Eye of the Flyer blog. This blog series covers a “rookie” topic of either a Delta- or travel-related theme — and attempts to break it down to a basic level. You can read up on all the previous posts HERE. Now on to this featured topic.

I’ve heard several people say words to the effect of “Well, you can’t have more than one Delta American Express card.” They — and a few others — are also under the assumption you can’t earn bonus MQM from multiple Delta Amex cards.

With the welcome offers available now for Delta Amex cards, this is a good time to tackle those questions.

Can You Have More Two or More Delta Amex Cards at the Same Time?

Yes. You’re certainly allowed to hold multiple Delta American Express cards. (Whether or not you should is something we’ll cover in a later post.) Delta and Amex are happy to accept your annual fee payments for as long as you can pay them.

Consider, though, that American Express allows people to hold four active/open credit cards at a time. (At least, that’s what current data points suggest.) So going Delta Amex-happy could limit your ability to get something else down the road — such as one of their other cobranded cards or, say, the Blue Cash Preferred Card or Blue Cash Everyday® Card.

For example, when I applied for the Blue Cash Everyday® Card to help finance a new laptop purchase I made last fall, I was originally declined because I was at the four-card limit. (And, yes, the limit can apply to a combination of consumer/personal and small business cards.) So I canceled my Delta SkyMiles Platinum Business American Express Card to make room.

But if you want to have multiple Delta Amex cards — and can afford it — then knock yourself out.

Can You Earn Bonus MQM from Multiple Delta Amex Cards?

Absolutely. I’ve done this several times. It usually was a combination of spending across both my
Delta SkyMiles Reserve American Express
 and Delta SkyMiles Business Reserve American Express cards.

So if you can afford the spend, it’s possible to earn Diamond Medallion status without even flying:

  • Delta SkyMiles Reserve American Express: $120,000 spend = 60,000 MQM
  • Delta SkyMiles Business Reserve American Express: $120,000 spend = 60,000 MQM
  • Delta SkyMiles Platinum American Express: $50,000 spend = 20,000 MQM
  • Delta SkyMiles Business Platinum American Express: $50,000 spend = 20,000 MQM

Dropping $340,000 during a calendar year will land you 160,000 MQM and satisfy the $250,000 Delta Amex MQD Waiver for Diamond Medallion status. (Consider that those earnings are boosted by another 25% during 2021.)

That’s an extreme example. Moral of the story: Delta will let you spend your way to any Medallion status level.

Remember, you can only receive a card’s welcome bonus once.

Final Approach

If you’ve wanted to hold multiple Delta American Express cards at the same time, rest assured you can — at least if you haven’t maxed out the number of Amex cards you can have.

For people who want to earn as many MQM as possible, having both the Reserve and Platinum cards’ personal and business versions (or some combination thereof) is a solid strategy. It all depends on your budget, spending habits, and travel goals.

Eye of the Flyer, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Eye of the Flyer and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Related

Tags: American Express Business CardsAmerican Express Consumer CardsDelta Air LinesDelta SkyMilesRookie
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Chris Carley

Chris Carley

Chris Carley is the owner, editor, and lead writer of Eye of the Flyer (formerly known as Rene's Points).

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Comments 7

  1. Miles says:
    2 years ago

    So to earn MQM on multiple Delta cards, they have to be different Delta cards right? In other words, if I want 120,000 MQM from two Reserves, it has to be a personal and a business Reserve — not two personal Reserves or two business Reserve cards.

    Do I have that right?

    Reply
    • Chris Carley says:
      2 years ago

      Correct.

      Reply
  2. DDiamond says:
    2 years ago

    FWIW, I am one of the fortunate Delta frequent flyers and $300k+ card spenders. This personal and business spend goes on just 3 cards: First, $250k on personal and business reserve cards. Second, everything else (particularly purchases over $4999) go on the AMEX Business Platinum.

    The reserve card spend + flights helps me lock in annual Diamond status with growing MQM rollover balances. The AMEX platinum spend gives me AMEX reward points (+35% bonus) to buy MY Delta flights via AMEX travel. These tickets net me MQM and MQD’s that Delta reward tickets do not.

    This strategy is scalable for Delta’s Platinum and Gold Medallions too, however, Gold’s should do a cost benefit analysis first IMO.

    Reply
  3. kevni says:
    2 years ago

    I currently hold both the regular and business Reserve cards. I no longer have a need for the business card. Is it possible to transfer the credit limit from the business card to my personal card?

    Reply
    • Chris Carley says:
      2 years ago

      Unfortunately, no. Check out this post that explains it in a little more detail.

      Reply
  4. Liz says:
    2 years ago

    If I just want Silver, I could get one Reserve card and spend 25K for the extra MQMs and earn 105K miles? Would I be able to upgrade my spouse on the same flight to exit row or C+ if available with me?

    Reply
    • René says:
      2 years ago

      @Liz – If your spouse is on the same reservation with you then yes you can choose exit row right away and both would qualify for the C+ upgrade at the Silver Medallion window.

      Reply

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