This year I have REALLY tried all I can to make sure, before December started, that all readers would be able to hit their MQM, that is Medallion Qualifying Miles, goals for this year. This became even MORE urgent on the 8th when we learned about the massive devaluation to GOLD Medallions as of 1MARCH15 and so many are scrambling to get to Platinum since the news hit.
But that begs the question, can you today, now, get the personal or business Delta AMEX Reserve card (s) and get the MQM bonus for getting the card and spending ONE DOLLAR on the card? Maybe, and here is why!
- Approval date
- Charge post date
- Previous card date
Let’s break these down. The first one is getting approved. If you get an instant approval you can then call and ask for the card to be RUSH shipped. They will often do it in 1-3 days so that works. However, with business cards approval is not always instant so you have to call to follow up. Do this right away after you apply. The last one, if you happen to go for both cards (suggest you go for personal 1st then business) always results in a pending for the business card. You then have to call and explain why you need/want both cards.
The key to getting credit for MQMs in 2014, even if it takes into 2015 for the points to post, is the post date of the charge. For example, you could buy something on 31DEC14 but the post date is 2JAN15 and the credit for that charge falls in 2015. Not always, but most times this is the case. Either way you want to make sure the charge POSTS in 2014 for you to get credit in 2014. This is one of the key reasons your time to get this card is just about up for this year.
The last one is previous cards. We all should know by now that with personal Delta AMEX cards, it is officially once in a lifetime bonus and all 3 of the Delta AMEX cards are viewed as the “same” card as far as new card bonus goes. So, if you have received the personal Delta GOLD card bonus in the past you are unlikely to receive the Reserve card bonus now. You can try to upgrade but the chances this will work, ESPECIALLY at this late date, are slim to none. Now with the business cards the rules are that all 3 cards are unique products. As long as it has been more than 365+ days since you got the new card bonus for say the Reserve card, and you do not hold it now, you are good to go.
Final bits. If you get the card, or hold the card, can you still get the spend bonus for 2014 that is the 10k for the Platinum card and the 15k for the Reserve card. You bet, but wow that is a bunch of spending that must POST (again post date in 2014) before the end of the year. Then, even if they award the MQMs in 2015 they will count backward into 2014 when you EARNED them. So if you have some massive spending to do before the end of the year, you could get the points to count for this year, that is 2014.
Any other questions? Fire away! – René
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