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With so many Delta co-branded credit cards, one of the most common questions we field on the blog, and in our Facebook community Award Travel 101, is can I hold multiple Delta Amex cards? The answer is a resounding YES!
Before we dig into the details, why would you want to apply for more than one Amex Delta credit card?
First, it allows you to earn additional welcome bonus offers. American Express specifies that new cardmembers can only receive the welcome offer on Amex cards once per product. However, that doesn’t stop you from applying for different products within the same family of cards and receiving the bonus on each card.
Second, you can stack the bonus Medallion Qualifying Miles from multiple cards to help you reach or retain elite status. Plus, if you apply for the Platinum or Reserve cards, you’ll receive a companion certificate with each card to help mitigate the annual fees. And if you get the Reserve cards, you'll gain complimentary access to Delta SkyClub lounges when traveling on Delta.
Earning More Than One Delta Welcome Bonus Offer
Amex hasn't done a great job in communicating its welcome bonus policy, and many folks new to award travel assume that you can only receive one Delta welcome bonus across all Delta Amex cards. However, that’s not the case. The restriction is on each card product, as per Amex’s T&Cs:
“Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.”
While you cannot receive the welcome bonus more than once per product, you can earn the welcome bonus on each card within the Delta family, which includes seven separate products including business cards. For example, if you currently hold the Delta SkyMiles® Gold American Express Card, or have held it in the past, you cannot receive the welcome bonus on the card again. But, that doesn’t stop you from applying for the Delta SkyMiles® Platinum American Express Card and receiving the welcome bonus, as it's considered a separate product.
Delta co-branded American Express cards:
- Delta SkyMiles® Blue American Express Card – Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
- Delta SkyMiles® Gold American Express Card – Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.
- Delta SkyMiles® Gold Business American Express Card – Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
- Delta SkyMiles® Platinum American Express Card – Earn 60,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.
- Delta SkyMiles® Platinum Business American Express Card – Limited Time Offer: Earn 70,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
- Delta SkyMiles® Reserve American Express Card – Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- Delta SkyMiles® Reserve Business American Express Card – Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.
You are eligible for the welcome bonus on any Delta Amex card you don’t currently hold or haven’t held in the past.
Stacking MQMs From Multiple Cards for Elite Status
Airline elite status is a surefire way of making your flying experience more comfortable, providing access to better services and free perks, in addition to earning more miles on airline spend. But without enough bum-in-seat miles, achieving elite status can be a pipe dream. Fortunately, Delta offers bonus Medallion Qualifying Miles on select cards when you reach spending thresholds, and as part of the welcome bonus structure.
To earn Medallion status with Delta requires a mix of Medallion Qualifying Miles (MQM) or Medallion Qualifying Segments (MQS) and Medallion Qualifying Dollars (MQD) or Medallion Qualifying Dollar Waiver (MQD Waiver).
|Earn Medallion Status using Delta SkyMiles Credit Cards||Credit Cards and MQM Required|
|Earn Ongoing Silver Medallion Status (25K MQMs)||One-Card Strategy
• 30,000 MQMs - $60K annual spend on Delta Reserve
Total: 30,000 MQMs/$60,000 spend
• 10,000 MQMs - $25K spend on Platinum Delta Amex
• 15,000 MQMs - $30K spend on Delta Reserve
Total: 25,000 MQMs/$55,000 spend
|Earn Ongoing Platinum Medallion Status (75K MQMs)||Multi-Card Strategy
• 20,000 MQMs - $50K spend on Platinum Delta Amex
• 60,000 MQMs - $120K spend on Delta Reserve
Total: 80,000 MQMs/$170,000 spend
You can stack bonus MQMs from multiple Delta cards to earn or retain Medallion status on Delta, although it’s important to calculate the opportunity cost of the required annual spend and the yearly fees for holding more than one premium Delta card. That $25K or $50K to reach elite status, earning just 1 mile per dollar on non-Delta spend, could earn multiple welcome bonuses, and potentially hundreds of thousands of points in more lucrative, flexible rewards programs.
Provided you can meet the spending thresholds without compromising other points and miles opportunities, pooling MQMs from multiple Delta cards can offer a welcome boost to earning or retaining Medallion status.
Important: An AwardWallet reader recently let us know that Amex will not allow you to stack the MQM bonus from two versions of the same business card. For example, if you have the Business Platinum Delta Amex for two different businesses, you won't get access to a total of four Miles Boosts if you split spending across the two business cards.
Earn Additional Companion Certificates
Both the personal and business versions of the Platinum and Reserve Delta cards earn a companion certificate each year upon account renewal, and you can redeem companion certificates from multiple Delta cards in the same calendar year.
- Platinum Delta Amex – Receive a Domestic Main Cabin round-trip companion certificate each year
- Business Platinum Delta Amex – Receive a Domestic Main Cabin round-trip companion certificate each year
- Delta Reserve – Receive a Domestic First Class, Delta Comfort+, or Main Cabin round-trip companion certificate each year
- Business Delta Reserve – Receive a Domestic First Class, Delta Comfort+, or Main Cabin round-trip companion certificate each year
You’ll pay just the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights when using the certificate, just be aware there are some restrictions on these companion certificates, such as booking through Delta.com in specific fare classes and having to use an Amex to pay for the tickets. Companion certificates are now also eligible for Medallion Complimentary Upgrades, which we cover in detail in a previous post.
Can you apply for more than one Delta co-brand card and receive the welcome offer and bonus MQMs? Yes. And you can take advantage of perks like the free companion certificate from multiple cards each year. Just keep in mind the premium Delta cards attract significant annual fees that will set you back hundreds of dollars per year. And you’ll need to weigh the cost of maintaining these cards, and meeting the spending thresholds each year, against opportunities to hold what we consider better premium credit cards, providing superior benefits, and earning points in more lucrative programs.
If you're contemplating how to use your SkyMiles, check out the post we put together on Delta SkyMiles Sweet Spots or check out the Award Travel 101 Video (our Facebook community) on How to Maximize Delta SkyMiles.
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