
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles® Reserve American Express Card is a premium travel card that earns Delta SkyMiles and offers top-tier Delta perks including Delta Sky Club access, Companion Certificate, and elevated status-earning benefits.
Annual Fee
$650
Top Earning Rate
3x miles delta purchases
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
60,000 miles
$720 estimated value
Spend $5,000 in 180 days
Card Offers
public
60,000 miles
$720 estimated value
Spend $5,000 in 180 days
Earning Rates
Purchases made directly with Delta
All eligible purchases
Pros & Cons
Pros
- Complimentary Delta Sky Club lounge access for cardholders and authorized users when flying Delta
- Annual companion certificate valid for domestic round-trip travel in First Class, Delta Comfort+, or Main Cabin
- Earns MQD boosts (up to $2,500 per year) to help accelerate Delta Medallion elite status
- No foreign transaction fees, making it useful for international travel
- Global Entry or TSA PreCheck application fee credit every four years
Cons
- High $650 annual fee that is not waived in the first year
- Delta Sky Club access is capped at 15 visits per year starting in 2025 unless the $75,000 spend threshold is met
- Companion certificate is limited to domestic round-trip travel and taxes and fees are not covered
- Earning rates are limited, with only 3x miles on Delta and Delta Stays purchases and 1x on everything else
- Requires excellent credit for approval, limiting accessibility for many consumers
Key Takeaways
- The $650 annual fee is steep and not waived in the first year, so cardholders need to actively use benefits like the companion certificate and lounge access to get value
- Delta Sky Club access is capped at 15 visits per year starting in 2025 unless you spend $75,000 or more annually
- The annual companion certificate can significantly offset the annual fee if used for a domestic round-trip itinerary
- MQD boosts from card spending (up to $2,500 per year) can help qualifying for Delta Medallion status
- The card earns 3x miles only on Delta purchases and Delta Stays hotels, with a flat 1x on all other spending
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $650 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 20.99% - 29.99%
- Cash Advance APR
- 29.99%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
10 benefits (4 strong or better) including 1 hidden gems
Travel Insurance
Travel Access & Perks
Travel Credits
Elite Status
Statement Credits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Delta SkyMiles® Reserve American Express Card?
What welcome offer is currently available for new cardholders?
How does Delta Sky Club access work with this card?
How does the annual companion certificate work?
How does this card help with Delta Medallion elite status?
Does this card charge foreign transaction fees?
What travel protections does the card include?
Does this card offer a Global Entry or TSA PreCheck credit?
What credit score is needed to apply for this card?
What purchase protections come with this card?
About This Card
This card is best for frequent Delta flyers who regularly use Delta Sky Club lounges, want to fast-track Delta Medallion elite status, and can make consistent use of the annual companion certificate to offset the high annual fee.
The Delta SkyMiles® Reserve American Express Card is American Express's flagship co-branded Delta Air Lines credit card. It is designed for frequent Delta travelers seeking premium airport lounge access, elite status acceleration, and valuable travel benefits. Cardmembers earn SkyMiles on every purchase, with accelerated earning on Delta purchases. Key perks include access to Delta Sky Club lounges when flying Delta, a Companion Certificate each year upon card renewal, complimentary first checked bag, priority boarding, and statement credits. The card also helps cardmembers earn Medallion Qualification Dollars (MQDs) toward Delta Medallion status. Note: the source page returned a loading error, so specific rates, fees, and benefit details below are drawn from well-established publicly available information for this card.
The Delta SkyMiles® Reserve card stands out among airline co-branded cards for its combination of Delta Sky Club lounge access, a First Class-eligible annual companion certificate, and MQD boosts that directly accelerate Delta Medallion elite status qualification.
Ready to Decide?
Apply for the Delta SkyMiles® Reserve American Express Card
60,000 miles, worth about $720 estimated value, with a $650 annual fee.
Spend $5,000 in 180 days
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 5 of 10 benefits rated high confidence
- 0 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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