Also, the Business Gold does not come with a free MQM bonus, like the Reserve card you mentioned earlier. As you now gather, $40K doesn't get you anything other than the base miles. But if you don't think you'll hit $60K, consider the Delta Platinum Amex card. It has 5K bonus MQMs and lower thresholds than the Reserve, it's a bonus 10K miles at $25K and $50K. The monthly statements keep track of your progress, and once I hit $60K on the Reserve, I put it away and earn miles on a different card for the remainder of the year.