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Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles<sup>®</sup> Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

Welcome Offer
Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months.
Rewards
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
Extra Perks
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
Edited by
Julie Sherrier
Reviewed by
Dawn Papandrea
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Delta SkyMiles® Reserve Business American Express Card best for?

The Delta SkyMiles® Reserve Business American Express Card offers phenomenal benefits for frequent and high-net-worth Delta business flyers, as well as the ability to earn Medallion elite status through heavy credit card spending.

For business owners who do a lot of travel, business airline cards can pave the way to a more seamless travel experience, granting access to a world of rewards and VIP treatment.

We break down what we like about the Delta SkyMiles® Reserve Business American Express Card, what to watch out for, and compare it to another popular business card to help you decide if it’s a good match.

Delta SkyMiles® Reserve Business American Express Card overview

    • Welcome Offer: Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months.
    • With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 3,750 MQMs after making $30,000 in purchases, up to 4x. That’s in addition to the 15,000 MQMs that you would earn with Status Boost.
    • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner. 
    • After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex: you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
    • Pay no foreign transaction fees when you spend overseas.
    • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
    • Terms and limitations apply.
  • Credit needed:
    660 850
    Excellent/Good

Note: enrollment may be required for some of these benefits:

  • 20% back on in-flight purchases
  • Access to complimentary upgrades
  • Access to American Express Experiences
  • American Express preferred seating
  • Cellphone protection
  • Complimentary access to The Centurion Lounge
  • Concierge services
  • No Delta blackout dates
  • Annual Delta Reserve companion certificate
  • Free first checked bag
  • Delta Sky Club Access
  • Two Delta Sky Club one-time guest passes
  • Fee credit for TSA Precheck or Global Entry
  • MQD waiver
  • Foreign transaction fees: none
  • Premium Global Assist Hotline
  • Priority boarding
  • Return and purchase protection
  • Trip delay, cancellation and interruption insurance
  • Upgrade priority
  • Baggage insurance
  • Car rental loss and damage insurance
  • Extended warranty

Intro Purchase APR

N/A

Intro BT APR

N/A

Annual Fee

$550

Regular Purchase APR

15.74% - 24.74% Variable

Cash Advance Fee

Either $5 or 3% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

Pros and cons

Pros

  • Generous welcome bonus
  • Transfer miles to 18 SkyTeam alliance partners
  • Extensive travel benefits and protections
  • Earn Medallion status through card spending
  • Airport lounge access
  • Companion certificate
  • Complimentary upgrades
  • Delta Reserve concierge

Cons

  • High annual fee
  • Low earning rate on purchases outside of Delta
  • High spend requirement to earn maximum MQM boost or elite status

What we like about the Delta SkyMiles® Reserve Business American Express Card

  • Lounge access

    Delta SkyMiles® Reserve Business American Express Card cardholders, including any additional users on the same account, get Delta Sky Club® access, which is a $545 yearly value based on the fee for one individual membership – that alone makes up for the $550 annual fee.

    Cardholders also are welcome to enter Amex Centurion Lounges for free, provided that you have booked travel through Delta.

    Plus, Delta SkyMiles® Reserve Business American Express Card cardmembers are granted two one-time Delta Sky Club guest passes each year.

  • Companion pass

    Cardholders will receive a digital companion certificate on each card anniversary as well as a companion certificate upon card approval that covers the cost of a second traveler on a round-trip flight, not including taxes and fees of up to $75.

  • Complimentary upgrades, preferred seating and more

    Not only do Delta SkyMiles® Reserve Business American Express Card cardmembers get a plethora of travel benefits and protections, a free checked bag, preferred seating, but they also get access to complimentary upgrades and priority boarding.

  • Welcome bonus and MQM status boost

    Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months. Plus, there is ample opportunities to earn Medallion® Qualification Miles (MQMs) needed to move you into higher Delta tiers (which provide better benefits the higher you go). These include the welcome offer that gives you 20,000 MQMs, and the 15,000 bonus MQMs after you reach $30,000 in eligible purchases on your card in the calendar year. And, throughout 2021, after you spend $30,000 on purchases with your card, you will earn an additional 3,750 MQMs, up to 4 times.

To see the rates and fees for Delta SkyMiles® Reserve Business American Express Card, please click here.

What to watch out for with the Delta SkyMiles® Reserve Business American Express Card

  • Annual fee

    While the Delta SkyMiles® Reserve Business American Express Card comes with an annual fee of $550, know that what you get in return, provided you take advantage of all the benefits, can more than offset the cost of carrying the card.

    However, if you don’t think you’ll take advantage of all the card has to offer, then you may be better served with a lower-annual-fee Delta business card.

  • Low earnings rate on non-Delta purchases

    With the Delta SkyMiles® Reserve Business American Express Card, you’ll earn 3 Miles on every dollar spent on eligible purchases made directly with Delta. Only very high spenders will reap the higher rewards rate on non-Delta purchases, and even then, 1.5x miles isn’t very generous.

To see the rates and fees for Delta SkyMiles® Reserve Business American Express Card, please click here.

Alternate Delta business card

Compare it to the Delta SkyMiles® Platinum Business American Express Card

Disclosures |
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
on American Express's secure site
Terms Apply
0% APR for 12 months
15.74% - 24.74% Variable
$250
Earn 3 Miles on every dollar spent on eligible purchases made directly
  • Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 2,500 MQMs after making $25,000 in purchases, up to 2x. That’s in addition to the 10,000 MQMs that you would earn with Status Boost.
  • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
  • Terms and limitations apply.
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you’re not ready to take the plunge with the Delta SkyMiles® Reserve Business American Express Card, the next best Delta business card is the Delta SkyMiles® Platinum Business American Express Card, which comes with a lower $250 annual fee.

Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. For ongoing rewards, earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.

Plus, there is an intro APR offer with the Delta SkyMiles® Platinum Business American Express Card: 0% APR for 12 months, after which an APR of 15.74% - 24.74% variable will apply.

What you’ll lose in exchange for the lower annual fee is free lounge access, and a lower MQM earning opportunity. However, the Delta SkyMiles® Platinum Business American Express Card carries most of the same travel benefits and protections as the Delta Reserve for Business Credit Card.

To see the rates and fees for Delta SkyMiles® Platinum Business American Express Card, please click here.
To see the rates and fees for Delta SkyMiles® Reserve Business American Express Card, please click here.

Compare the Delta SkyMiles® Reserve Business American Express Card to similar cards

Comparison of four different credit cards
Delta SkyMiles<sup>®</sup> Reserve Business American Express Card Delta SkyMiles<sup>®</sup> Platinum Business American Express Card Delta SkyMiles<sup>®</sup> Gold Business American Express Card The Business Platinum Card<sup>®</sup> from American Express
Delta SkyMiles® Reserve Business American Express Card Delta SkyMiles® Platinum Business American Express Card Delta SkyMiles® Gold Business American Express Card The Business Platinum Card® from American Express
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on American Express's secure site
Terms Apply
Annual Fee
$550 $250 $0 introductory annual fee for the first year, then $99 $595
Welcome Offer
Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months. Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months. Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Rewards Rate
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta. Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases. 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.
Intro Purchase APR
N/A 0% APR for 12 months N/A N/A
Regular APR
15.74% - 24.74% Variable 15.74% - 24.74% Variable 15.74% - 24.74% Variable 14.24% - 22.24% Variable
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent/Good
Card Details
Delta SkyMiles® Reserve Business American Express Card Delta SkyMiles® Platinum Business American Express Card Delta SkyMiles® Gold Business American Express Card The Business Platinum Card® from American Express

Is the Delta SkyMiles® Reserve Business American Express Card right for you?

Before you apply for the Delta SkyMiles® Reserve Business American Express Card, ask yourself a couple of questions: Is flying Delta convenient for you and your staff, and is it almost always your airline of choice? Will you actually use benefits like the Delta Sky Club®, free checked bag and companion ticket? If the answer to both is a resounding yes, then you’ll easily get a lot of value out of this card, even with its hefty annual fee. If not, then perhaps a more flexible and less costly business travel card option like the Delta SkyMiles® Platinum Business American Express Card will better suit your business needs.

Apply Now
on American Express's secure site
Terms Apply