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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 companion fares 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 bonus offer not available to applicants who have or have had this product.”
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 Gold Delta SkyMiles® Credit Card from American Express, 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 Platinum Delta SkyMiles® Credit Card from American Express and receiving the welcome bonus, as it's considered a separate product.
Delta co-branded American Express cards:
- Gold Delta SkyMiles® Credit Card from American Express – Limited Time Offer: Earn 60,000 Bonus Miles (Terms Apply)
- Platinum Delta SkyMiles® Credit Card from American Express – Limited Time Offer: Earn 75,000 Bonus Miles and 5,000 Medallion® Qualification Miles (Terms Apply)
- Gold Delta SkyMiles® Business Credit Card from American Express – Earn 30,000 Bonus miles (Terms Apply)
- Platinum Delta SkyMiles® Business Credit Card from American Express – Earn 35,000 Bonus miles and 5,000 Medallion® Qualification Miles (MQMs) (Terms Apply)
- Blue Delta SkyMiles® Credit Card from American Express – Earn 10,000 bonus miles (Terms Apply)
- Delta Reserve® Credit Card from American Express – Limited Time Offer: Earn 75,000 Bonus Miles and 5,000 Medallion® Qualification Miles (Terms Apply)
- Delta Reserve for Business Credit Card – Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) (Terms Apply)
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)
The Platinum Delta Amex receives 5,000 bonus MQMs with the welcome bonus and Business Platinum Delta Amex receives 5,000 bonus MQMs from the welcome bonus. Both also earn an additional 10,000 bonus MQMs when you spend $25K in a calendar year, and a further 10,000 MQMs when you reach $50K spend. The personal and business versions of the Delta Reserve cards earn 5,000 and 10,000 bonus MQMs from the welcome bonus respectively, an additional 15,000 bonus MQMs when you spend $30K in a calendar year, and a further 15,000 bonus MQMs when you reach $60K 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.
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, in the 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 video that Richard Kerr, Founder of Award Travel 101 (our Facebook community) put together on How to Maximize Delta SkyMiles.
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