The offers on this page are from advertisers who pay us. That may influence which products we write about, but it does not affect what we write about them. Here's an explanation of how we make money and our Advertiser Disclosure.
Delta SkyMiles® Reserve American Express Card review — Enjoy complimentary upgrades and lounge access
Frequent travelers who love to fly Delta and value elite status should consider the Delta SkyMiles Reserve American Express Card. This premium travel credit card offers unparalleled benefits when flying Delta, including complimentary upgrades, lounge access, and free checked bags. Cardholders can also accelerate their path to elite status and enjoy a 15% discount on award tickets. Learn more about the Delta SkyMiles Reserve card to decide if it's the best airline credit card for your wallet.
Delta SkyMiles Reserve American Express Card features
- Annual fee$650
- Welcome offerEarn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership
- Card type(s)Travel, Airline
- Ongoing Purchases APR20.99% - 29.99% Variable
- Recommended credit scoreExcellent/Good
- Rewards rate
- 3x miles on Delta purchases
- 1x miles on all other purchases
- Benefits
- Receive upgrade priority over other Medallion Members within the same Medallion level and fare class
- Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required
- Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends
Perks
As a premium travel credit card, the Delta SkyMiles Reserve is loaded with features that justify its hefty annual fee. A majority of these benefits can only be redeemed when flying Delta, so it's perfect if this is your preferred airline. When flying Delta, you'll receive complimentary access to Delta Sky Club and the Centurion Lounge*, priority boarding, the first checked bag for free, and 20% off inflight purchases. It also comes with an annual companion certificate for a domestic roundtrip flight.
*Beginning Feb. 1, 2025, Reserve Card Members will receive 15 visits per year to the Delta Sky Club. To earn unlimited lounge visits each year, you must spend $75,000 or more on eligible purchases between Jan. 1, 2024, and Dec. 31, 2024, and each calendar year after that.
If you have elite status, you'll receive priority on upgrades. For those who don't, you'll be added to the complimentary upgrade list after elite members. The card also helps to earn and maintain elite status based on your annual purchases. You'll receive $2,500 Medallion Qualifying Dollars (MQDs) for holding the Delta SkyMiles Reserve card. Additionally, the card earns $1 MQD for every $10 spent on the card. This means Delta Reserve cardholders can earn entry-level Silver status by spending $25,000 and top-tier Diamond status by spending $255,000 in a calendar year (not counting MQDs earned from flying).
The card also includes travel and purchase protections at no extra charge*. Trips are protected against delay, cancellation, or interruption, and rental cars receive secondary coverage in case of damage or theft. Eligible purchases receive return and purchase protection, as well as an extended warranty.
Read more: See our picks for the best American Express credit cards
Delta SkyMiles Reserve American Express Card rewards program details
The welcome bonus and miles earned on purchases are deposited into your Delta SkyMiles loyalty program account. Typically, miles from purchases post after the close of each statement, and the welcome bonus is deposited a few weeks after it is earned. These miles combine with miles earned from flying or any of Delta's other partnerships toward booking award travel.
Redeeming miles is quick and easy through the Delta website or its mobile app (Apple, Google). Log into your account, then select your travel dates, departure and arrival cities, class of ticket, and number of passengers.
Check the "Shop with Miles" box and click search to see available flights, departure times, and prices. Use the filter and sort functions to narrow down the choices based on your trip details and budget. You can also toggle between cash, miles, and "Miles + Cash" to compare prices. When you have a Delta credit card, a 15% discount is applied to award ticket prices on eligible flights.
We value Delta SkyMiles at an average of 1.2 cents each. The value you'll receive may be higher or lower, depending on the type of class chosen, travel dates, and other factors.
Delta SkyMiles Reserve American Express Card potential drawbacks
High annual fee
Limited bonus categories
Most benefits only apply to Delta flights
Lack of an award chart makes it harder to value miles
Where can you use Delta SkyMiles Reserve American Express Card?
As an American Express card, the Delta SkyMiles Reserve is accepted at 99% of places that accept credit cards in the U.S. This puts Amex cards in virtual parity with credit cards with the Visa or Mastercard logo for domestic purchases.
However, when traveling internationally, American Express does not have the same acceptance rates as Visa and Mastercard. If the Delta SkyMiles Reserve is your preferred credit card, it is wise to bring cash or a different type of card as a backup, just in case.
How to make a Delta SkyMiles Reserve American Express Card payment
After making purchases to earn miles and the welcome bonus, you'll need to make payments to avoid late fees and interest on your balance. American Express offers numerous methods to make payments on your Delta SkyMiles Reserve credit card.
Online: American Express website
Monthly auto-pay: Set up automatic payments from your linked bank accounts.
By mail: American Express, PO Box 96001, Los Angeles, CA, 90096 - 8000
Express mail: American Express, Attn: Express Mail Remittance Processing, 20500 Belshaw Ave., Carson, CA 90746
Over the phone: Call the number on the back of your Delta SkyMiles Reserve card or (800) 472-9297
Wire transfer: Initiate a wire transfer from your bank account with the following information:
Bank name: Chase Manhattan Bank
Account name: American Express Card Member Wire Depository
Address: 1 Chase Plaza New York, NY 10081
ABA number (Routing Number): 0210-0002-1
Account number: 910-2-753036
Please also include your Card Member name and American Express account number.
Delta SkyMiles Reserve American Express Card customer service info
Customer service is available by phone or chat 24/7.
Phone number: (800) 528-4800
Customer service chat: Website or mobile app (Apple, Google)
Delta SkyMiles Reserve American Express Card login page
*Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Alternative cards to consider
- Annual fee$350
- Welcome offerEarn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership
- Card type(s)Travel, Airline
- Ongoing Purchases APR20.99%-29.99% Variable
- Recommended credit scoreExcellent/Good
- Rewards rate
- 3x miles on Delta purchases and purchases made directly with hotels
- 2x miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets
- 1x miles on all other eligible purchases
- Benefits
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck
- Earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required
- Check your first bag free on Delta flights
Why we like it: While the Delta SkyMiles Reserve card has numerous benefits, it also has a price tag that is too high for some travelers. The Delta SkyMiles Platinum Card has a more reasonable annual fee and includes several bonus categories to earn additional miles (see rates and fees). It also includes travel benefits, an annual companion certificate, a 15% discount on award travel, and the opportunity to boost elite status.
The Platinum Card® from American Express
- Annual fee$695
- Welcome offerEarn 80,000 Membership Rewards® points after spending $8,000 in the first 6 months
- Card type(s)Travel
- Ongoing Purchases APRSee Pay Over Time APR
- Recommended credit scoreExcellent/Good
- Rewards rate
- 5x points for flights booked directly with airlines or with American Express Travel (up to $500,000 per year)
- 5x points on prepaid hotels booked with American Express Travel
- 1x points on all other purchases
- Benefits
- Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel (requires a minimum two-night stay)
- Get up to $199 back per calendar year on your CLEAR Plus membership (subject to auto-renewal) when you use your card (CLEARLanes are available at 100+ airports, stadiums, and entertainment venues)
- Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the U.S. annually (you must have the latest version of the Uber App downloaded and your eligible American Express Platinum Card must be a method of payment in your Uber account; Amex benefit may only be used in United States)
Why we like it: The American Express Platinum Card is a luxury travel card that earns flexible points instead of miles for a specific airline. It earns 5x on flights on any airline booked directly or through Amex Travel compared to just 3x on Delta flights with the Delta SkyMiles Reserve. Points can be redeemed for travel, statement credits, gift cards, and more. But the highest value tends to come from transferring points to one of its 21 partners, including Delta SkyMiles.
While it has a higher annual fee of $695, the card comes with $1,500 in value and credits that can offset some or all of the cost (see rates and fees). Cardholders also enjoy travel protections, lounge access and other perks when flying any airline. It also includes complimentary Marriott and Hilton Gold elite status and premium benefits when booking rooms through Fine Hotels & Resorts or The Hotel Collection.
- Annual fee$95
- Welcome offerEarn 75,000 miles after spending $4,000 on purchases in the first 3 months
- Card type(s)Travel
- Purchase APR19.99% - 29.99% variable
- Recommended credit scoreGood, Excellent
- Rewards rate
- 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 2x miles on all other purchases
- Benefits
- Receive up to a $120 statement credit for Global Entry or TSA Precheck application fees
- Receive a $50 experience credit, room upgrades, and early check-in at eligible hotels
- Access Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more
Why we like it: For travelers who want rewards and perks without a large annual fee, they should consider the Capital One Venture Rewards card. Miles can be redeemed for statement credits, to book travel, buy gift cards, or transfer to 15+ airline and hotel partners. While Delta SkyMiles isn't a Capital One transfer partner, you can redeem miles to book flights on Delta or any other airline without blackout dates.
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.