I hate waiting. I admit it that I am a very impatient person. My Delta AMEX Personal Reserve card statement was scheduled to close on the 6th, but delayed to the 7th and then did not post the points to Delta until the 9th and then I was able to log into my Delta.com (directions are HERE) to pick to give myself the 15,000 MQM’s earned.

However, as my title of this blog talks about, I have now decided I am going to bite the bullet and do what it takes to make Platinum this year. Not with Delta, with SPG!

I already have free Platinum with Priority club just from having the Chase PC card and the perk at PC is NOT the same as SPG. Status with SPG has great value and the more I stay at SPG hotel brands the more impressed I get (most times).

I already have 16 stays both booked and completed and it only takes 25 stays to get to Platinum status (not nights, stays, there is a difference). I did get 2 stay credits from my Business SPG AMEX card and it has NOW been more than 365+ days since I had the Personal SPG AMEX card so if I want to during my next churn I can go for that and get 25,000 points after spend and 2 more stay credits (you can hold both and get 4 credits a year this way).

What has made this so much better for me is the change SPG made to allow point nights to count as stay credits. I always try to burn points whenever I can as I have way too many points and more and more keep coming in. Sure I try not to waste points, but most times I would rather spend points than cash (or at least points and cash)!

With just 9 stays to go I may look at adding a few nights after or before my mileage runs I have booked for the rest of this year (5 more MR’s booked for the year). I also may change some of my booked PC stays over to SPG to get it done.

Anyway, I still say if you only stay at hotels a few times a year, Priority Club, with the Chase PC card, is the way to go. What do you think about PC & SPG? – René

PS – Check back at 1:PM for SWAG Saturday!

▲Delta▲ SkyMiles® Credit Card
RESERVE/PLATINUM/GOLD
from American Express®
Click here for more information

Earn and burn. I often get asked how many Delta Skymiles I currently have. The answer is always the same – as few as possible. This is true about all airlines and hotels. Always remember kids, they are not our points (the airlines tell us that very clearly) and on the plus side that is one of the reasons we don’t pay income tax on them. After all, how could any government possibly tax you on something you do not own and that has no value. My main problem, both with Delta and other airlines, is I earn points way faster than I can spend them. Between Lisa & I we have 1/2 million AA, 1/3 million US Air, 1/3 million BA, 1/4 million UA. I am down to about 150k Delta but have 3 – 200k (100k each) RT business class trips to Sweden booked for this year so basically I have 3/4 million Delta in my account and booked. No matter what happens to our airline or any other airline, it is dumb to collect points and not use them.

The next big question that you MUST answer: is status even worth it to you? Without getting into a deep discussion again about status vs. just booking business class, go with the premise that for the most part, if you can always fly business, status becomes much less of an issue. Also how much you fly does matter. If you fly Delta each month, status matters. If only a few times a year, why even bother with all this – it is too much cost and work. Run the numbers before you go all in.

Back to the topic of MQD’s. For a bunch of DM they are most pleased with the thinning of the ranks the new rules will cause, but for others, like me, we will have to go route two and avoid the MQD’s by AMEX spending (I guess moving to Sweden or Grand Cayman to have a non-USA address would be a bit extreme). So what are all the ways to do this.

Officially Delta says about this spend:

What Eligible Purchases count towards the MQDs waiver on the Delta SkyMiles Credit Card? Delta SkyMiles Credit Card Eligible Purchases are the total of purchases for goods and services less returns and other credits. Fees, interest charges, balance transfers, cash advances, purchases of traveler’s checks, the purchase or reloading of prepaid cards and purchases of other cash equivalents will not count towards Eligible Purchases. This applies only to Delta SkyMiles Credit Cards issued in the United States.

OK. What does that mean? Delta also says that “You will be able to track and monitor your MQDs and Delta SkyMiles Credit Card Eligible Purchases on Delta.com prior to January 1, 2014″. So we should be able to tinker and find out just what we can spend that will count once the real program begins on 01JAN2014.

Next, understanding the new AMEX spend rules. Here they are:

R1) Must spend $25,000 on Delta AMEX cards
R2) Personal and Business Delta AMEX count & combined spending counts
R3) You can have sub cards and that spend counts for you
R4) As with MQM’s annual fee does not count towards spend total
R5) Non USA cards don’t count
R6) Spend is calendar year so must post 01JAN-31DEC

Now how do we take advantage of this. I will break down the above point by point.

R1 – Is it possible for you to spend $25,000 on your normal spend (I strongly suggest this as “fake spend” works but often takes extra work)? Perhaps this will not be that hard for your budget. For others, you may have to look at what other spending you can move over to the DELTA AMEX cards. Also, if some of these bills have a fee to use a credit card, is it worth it to move that spend over?

R2 – If you do have a business and can get a business DELTA AMEX too, this could be a simple way to greatly reduce the amount of spend you need to get done from the household or personal DELTA AMEX you have. For me, I by all my computer parts on my business DELTA AMEX Reserve so my customers are helping me meet my spend and I thank them!

R3 – This was great news. If you can not generate extra spend on a business card (you can still get one and earn the 10,000 MQM bonus btw if you have not had it for 365+ days) then you can get sub-account cards on YOUR main account. You can thus get a card for your wife or kids or such under your card and then, since all the spending goes onto your statement, it all counts for your $25,000 spend yearly goal.

R4 – So important to remember. Just like with your MQM total spending, your annual fee never counts towards your total. This is also telling. Delta tells us that certain spending will not count towards your $25,000 total. BUT, it is AMEX that reports the numbers to Delta and it will be those numbers that count. So, if AMEX says it (what ever “it” is) is valid or invalid spend, that number is the one we need to know about! – Clear?

R5 – There is a perk of living outside the USA. If you do, MQD’s and such just don’t apply to you. Thinking about just changing your address to avoid the issue – careful – you may have to PROVE you do live outside the USA and if not could get your account closed down. Now if you really do live outside the USA, then using that address for your Skymiles will work but as said you had better be able to show this. As for cards, there are many non-USA Skymiles cards. These will NOT qualify for the $25,000 annual spend.

R6 – This seems to be such a point of confusion each year. IT DOES NOT MATTER WHEN YOUR STATEMENT CLOSES. If your AMEX statement closes on 05JAN, 10JAN, 20JAN or whatever, it is the date a charge posts that matters. So, all qualifying spend that hits from 01JAN-31DEC each year is the number that will count for the final $25,000 spend goal.

For now, according to what Delta has told us, these are the rules. Will any of this change, including what spend counts towards MQD spend totals of $2500, $5000, $7500 & $12,500? I think we will see some adjustments. I expect other Delta purchases like EC upgrades to count. We will see. For the rest of us who will work to qualify via the $25,000 AMEX spending, we should have a clear map of how to achieve this each year by 01JAN2014. For me, this, and a few mileage runs, will be what keeps me a Platinum Medallion Delta flyer – René

▲Delta▲ SkyMiles® Credit Card
RESERVE/PLATINUM/GOLD
from American Express®
Click here for more information