We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Pay Big Bills With Your AMEX Platinum Delta Card and Earn Elite Status

Pay Big Bills With Your AMEX Platinum Delta Card and Earn Elite Status

Million Mile SecretsPay Big Bills With Your AMEX Platinum Delta Card and Earn Elite StatusMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

You can earn Delta elite status for seat upgrades, priority check-in, and more with the increased sign-up bonus on the AMEX Platinum Delta personal and small business cards.

If you have big bills you can pay with Plastiq, like mortgage, rent, or car payments you might make this a goal.  But this strategy might not work for everyone, especially if you don’t have a lot of large bills.

Delta Elite Miles Paying Mortgage
You’ll Get Perks Like Complimentary First Class Upgrades When You Have Elite Status With Delta

I’ll help you decide whether it makes sense for you!

Spend Your Way to Delta Elite Status

Link:   Platinum Delta SkyMiles® Credit Card (personal)

Link:   Platinum Delta SkyMiles® Business Credit Card (small business)

Link:   Delta Elite Status

Through November 9, 2016, you can earn 70,000 Delta miles and 10,000 Medallion qualification miles (which qualify for elite status!) after meeting the minimum spending requirements on both the personal and small business versions of the AMEX Platinum Delta card.

To earn the sign-up bonus with the AMEX Platinum Delta personal card, you’ll have to spend $3,000 on purchases in the first 3 months of opening your account.  With the AMEX Platinum Delta small business card, you must spend $5,000 in purchases within the first 3 months of account opening.

In addition to the sign-up bonus, you’ll get other perks like free checked bags and bonus miles for Delta purchases.

You’ll also earn 10,000 Medallion qualifying miles and 10,000 bonus miles when you spend $25,000+ in a calendar year with either card.  And an additional 10,000 Medallion qualifying miles and 10,000 bonus miles when you spend $50,000 in the same timeframe.

Delta Elite Miles Paying Mortgage
Having Elite Status Can Save You Time at the Airport. Because You’ll Get Perks Like Priority Check-In!

Bonuses like these make it easier to earn elite status.

Because if you get the personal or small business version of the AMEX Platinum Delta card and spend $50,000+ in a calendar year, not only will you get 70,000 Delta miles and 10,000 Medallion qualification miles for meeting the minimum spending requirements.  You’ll also get 20,000 MORE Medallion qualification miles and 20,000 more bonus miles for spending $50,000+ with either card card.  For a total of 30,000 Medallion qualification miles.

That’s more than enough for Delta Silver elite status, which requires 25,000 Medallion qualification miles per calendar year!  And you’ll wind up with at least 150,000 Delta miles for all your spending, which is enough for a round-trip Business Class award flight to Europe.  Or 6 round-trip coach award flights domestically!

That said, spending $50,000 is tough for most folks.  So I want to show you how to use Plastiq for bigger bills like mortgage, rent, and car payments, to help meet the $50,000 spending threshold with your AMEX Platinum Delta card.

Earn Delta Elite Miles Paying Mortgage, Rent, and More

With Plastiq, you can pay any bill (businesses or individuals) and they’ll charge you a flat 2.5% fee for their service.  Or sometimes less with promotions.

Why does this matter?  Because folks looking to earn Delta elite status could use their new AMEX Platinum Delta personal or business card to pay bills like mortgage and rent using Plastiq.  And potentially earn enough Medallion qualification miles for elite status.

Delta Elite Miles Paying Mortgage
It Might Make Sense for Some Folks to Pay Bills With Their AMEX Platinum Delta Card Through Plastiq to Earn Delta Elite Status

For example, let’s say you spend $50,000 through Plastiq with your AMEX Platinum Delta personal card.  You’ll pay $1,250 in fees ($50,000 X 2.5%).

If you fly a lot, this could be worth it.  Because with Delta Silver elite status you’ll get perks like complimentary seat upgrades, companion upgrades, bonus Medallion qualification miles on paid flights, and free checked bags.

Delta Elite Miles Paying Mortgage
Folks With Delta Elite Status Can Earn Delta Miles on Paid Starwood Stays Through Delta’s Crossover Rewards Program!

And because it’s likely you’ll be making other regular purchases with the card, you probably won’t have to spend the full $50,000 through Plastiq.  So do the math to see what makes sense for you.

If you don’t fly Delta very frequently and won’t be able to take advantage of elite status perks, it is NOT worth going out of your way to pay bills with Plastiq.  Especially because the fees can add up quickly!

Earn Elite Status for a Second Year

Delta lets you roll over unused Medallion qualification miles year after year.  So 5,000 of the initial 30,000 Medallion qualification miles you’ll earn from the AMEX Platinum Delta sign-up bonus AND from $50,000+ in spending will rollover to the next year if you don’t earn the next elite status level.

So if you spend another $50,000+ with your AMEX Platinum Delta card in a second calendar year, you’ll earn another 20,000 Medallion qualification miles.  That gives you enough Medallion qualification miles (5,000 + 20,000 = 25,000 Medallion qualification miles) for Delta Silver elite status again!

Bottom Line

For folks who fly a lot with Delta and want to earn elite status, using Plastiq with your new AMEX Platinum Delta personal or small business card could be a good way to earn Delta elite miles by paying mortgage, rent, and other big bills.

But you’ll have to spend $50,000 in a calendar year to earn Delta Silver elite status.  And if you use Plastiq to meet this spending requirement, you’ll pay a minimum of $1,250 in fees.  So this deal won’t make sense for everyone.

Because if you don’t fly a lot and can’t take advantage of elite perks, like seat upgrades and free checked bags, paying $1,250+ in fees is NOT worth it.  So consider your travel habits to decide what’s best for you!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!