Hey all,

I am thinking about going for the business reserve. (or non business). I live in NYC, we are a family of 4, we fly about 3-4 times a year altogether.

The reason I am thinking about it is since I will be able to use the companion certificate quite easily once a year - the annual fee won't matter.

Now for my business I use my cards very heavily. I put about 200k a month on them. So my thinking is that by putting 120k on reserve I will reach Gold and with roll over maybe even hit platinum every other year.

So my thinking is that since the 120k doesn't really matter to me, and the companion will get used for sure once a year, then even if I get upgraded for free once a year (all of us? or is that a stretch? ) then maybe it is worth it.

If I do not do that then that 120k will go on freedom unlimited or partially on amex bbp or platinum business so doesn't seem like such a huge tradeoff.

My main question is really how likely I am to get a free upgrade once when traveling 4 of us - 3/4 times a year on delta? I usually travel on kids holiday from school of course...