I hope the "mods" don't move this like at FT (getting very sick of them over there) OK kids check this out. You can get 45k MQM and get PAID to do this. Terms are you must NEVER have sent AMEX membership rewards points to DELTA before. Step 1 - call and ask for the current 100k offer to get the AMEX MR PLAT card for $1000 spend in 90 days. (800-297-3276) If the first rep does not help or know call back. If they want a code use the 100k promo Offer ID: 3882. Keep calling until you get one who will CONFIRM the 100k offer for you. Step 2 - same day after you get that do this card: Http://www201.americanexpress.com/s...Channels&lpid=306&openeep=42174&ccsgeep=40289 Step 3 - sign up for this at DELTA: Http://dmn.delta.com/offers/getmore/ You only have till MAY 31 to get this all done. It can be done. You can get a points advance of 60k with the first AMEX card. If you buy a AMEX GIFT card for $1000 you get the spend done right away(also send a payment so it is paid in FULL right away - important). Then ask a REP to "push" the 100k MR points also right away as the DELTA deal ends MAY 31. You will net out 150,000 DELTA points and 25k MQM. https://www311.americanexpress.com/...lleracctnbr=US001-108883&intlink=GC:HmPg:CMGC Step 4 - if you want do this - use your 190,000 DELTA miles to buy 11,000 each AMEX $100 gift cards (just like cash spend where ever you want - or fly over the pond 2 in BIZ class for $900 all-in)! They will not show as available UNTIL you have your DELTA RESERVE card showing active in your sky miles account: Https://marketplace.delta.com/rewardDetail.aspx?RewardId=17924 Bottom line is you get $1700-900(2 card fee 1 year)= $800 You get so many perks it is unreal on top of the 45k MQM and only 5k from GOLD for this year and all of next year until FEB2013! As INGY says your credit is you most important asset so only do this if you have GOOD credit and can take the hit to your credit score: http://www.creditkarma.com/ ENJOY!