Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Learn How to Apply
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Our Take
The Delta Reserve Credit Card has a high annual fee, but it can pay for itself many times over if you fly Delta regularly.
Total Rewards
2X miles
on Delta purchases
Bonus Amount
100,000 bonus miles and 20,000 Medallion® Qualification Miles
after $5,000 spent in the first 3 months
Annual Fee
$650
annual fee
Apr
19.99% - 28.99% Variable APR
Fees
$450 annual fee. $5 or 3% balance transfer fee, whichever is greater. $5 or 3% cash advance fee, whichever is greater. Up to $38 late payment fee. Up to $38 returned payment fee.
Summary
The Delta Reserve Credit Card has a lot to offer for Delta loyalists. You’ll earn 2X miles on all Delta purchases, along with exclusive savings on in-flight purchases. You can also use the card at other stores to earn 1X miles per dollar spent. If you spend more than $3,000 within the first three months of owning the card, you’ll get 100,000 bonus miles and 20,000 Medallion® Qualification Miles, too. And there’s an extra 15,000 bonus miles and 15,000 Medallion Qualification Miles available to you for every $30,000 you charge to the card each year.
Cardholders also enjoy travel perks like priority boarding, free checked bags and Delta Sky Club Access, travel accident insurance and no foreign transaction fees. The card offers purchase protection and an extended warranty for qualifying items that you purchase with the card as well.
These benefits help to make up for the $650 annual fee. Airline credit cards often have high annual fees, which deter some would-be customers. Ultimately, answering, "Is it worth it?" comes down to whether or not you think the rewards outweigh the fee. If you’d earn at least one free Delta flight per year, the chances of this are pretty high.
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Required Credit Score
800
Pros
- 2X miles on Delta purchases and 1X per dollar spent on everything else
- Earn 15,000 Medallion Qualification Miles and 15,000 bonus miles for every $30,000 you spend each year
- First checked bag free
- Complimentary Delta Sky Club access
Cons
- $450 annual fee
- Only earns 1X miles on most purchases
Earn, Redeem, and Optimize Your Rewards
Travel
2 Miles
Other
1 Miles
Earn
You’ll earn 2X miles for every Delta flight, Delta Vacations package or Delta in-flight purchase that you make on the Delta Reserve credit card. You can also use your card for everyday purchases and you’ll receive 1X miles per dollar spent.
Redeem
- Book Travel
- Partner Transfers
Optimize
If you travel frequently with Delta, use this card for all purchases to rack up as many miles as possible. If you spend more than $3,000 within the first three months, you’ll get 40,000 bonus miles and 15,000 Medallion Qualified Miles. Plus, you'll receive an additional 15,000 bonus miles and 15,000 Medallion Qualified Miles for every $30,000 you charge to the card each year. Put simply: If you fly Delta a lot, and spend a lot on your card every year, this card will have serious benefits for you.
Benefits
2X miles on Delta purchases
You’ll earn 2X miles on all Delta purchases and 1X miles everywhere else you use your card. Points can be redeemed for Delta flights or transferred to more than 30 airline partners.
Upgrade your travel
Delta Reserve Credit Card owners get complimentary Delta Sky Club Access, a free checked bag, priority boarding and an annual companion certificate.
Travel insurance
This card includes travel accident insurance, rental car coverage and baggage insurance that ensure you’re fully covered when you travel.
Purchase protection
The Delta Reserve Card offers purchase and return protection on qualified items that you purchase with the card. It also provides an extended warranty on certain items.
Additional Benefits
- Exclusive access to event ticket presales
- Save on Delta in-flight purchases
- No foreign transaction fees