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Amex Delta SkyMiles Reserve Business Card Review: A Wealth of Features for Frequent Flyers

Review Updated
Lyle Daly
Steven Porrello
Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

The Delta SkyMiles® Reserve Business American Express Card has a massive lineup of features for a $550 annual fee (see rates and fees). You get complimentary access to airport lounges, a free checked bag, and much more (terms apply, select enrollment required).

American Express also offers useful tools to help you manage business spending. Read our detailed Delta SkyMiles® Reserve Business American Express Card review to find out if you should apply.

Delta SkyMiles® Reserve Business American Express Card
Rating image, 3.75 out of 5 stars.
3.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 3.75 out of 5 stars.
3.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

APR

20.99% to 29.99%, variable

Rewards Circle with letter I in it. 3 Miles on every dollar spent on eligible purchases made directly with Delta, 1 Mile on every eligible dollar spent on other purchases.

1X - 3X Delta SkyMiles

Annual Fee

$550

Welcome Offer Circle with letter I in it. Earn 70,000 bonus miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.

70,000 Bonus Miles

  • Offers a wide array of travel perks, which make this card ideal for business owners who fly Delta and want it all.

    • Welcome offer
    • Travel rewards
    • Airport lounge access
    • Companion certificate
    • Free checked bag
    • Annual fee
    • Bonus categories
    • Limited-time offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months.
    • Complimentary Access to the Delta Sky Club‡ when you fly Delta & 2 Delta Sky Club one-time guest passes each year so you can bring friends & family when flying together on Delta (Basic Card Members must accompany guest to enter Sky Club®)
    • Earn 3X miles on eligible purchases made directly with Delta.
    • Earn 1.5X Miles on eligible purchases for the rest of the year, after you spend $150,000 on your Card in a calendar year (that’s an extra half mile per dollar). If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
    • Earn 1X miles on all other purchases made using the Delta SkyMiles® Reserve Business Card.
    • Get Status Boost - Earn 15,000 Medallion®Qualification Miles (MQMs) after you make $30,000 in eligible purchases on the Card in a calendar year, up to 4X per year. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Terms Apply.
The information for the Delta SkyMiles® Reserve Business American Express Card was secured independently from the issuer and card details may be out of date.

Our Top Business Credit Card Alternate Options

We suggest taking a good look at various options to pick the perfect card for you and your small business. Remember, not all business credit cards are created equal, and every business has unique needs. To help you out, we've put together a short list of top-notch business credit cards that offer great value across a variety of business types.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Earn up to $750 bonus cash back Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Earn 5% cash back in select business categories Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.74% - 25.74% Variable

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Earn $750 bonus cash back Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.74% - 23.74% Variable

Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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150,000 Miles Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening 2X-10X miles Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options.

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Purchases: N/A

Balance Transfers: N/A

Regular: N/A

Full Amex Delta SkyMiles Reserve Business Card review

This card is a good fit for: Business owners with high travel spending who fly with Delta Air Lines several times a year. Those who spend a lot of time at the airport will appreciate this card's excellent lounge access.

Top perks

You won't find many top credit cards with more to offer than the Delta SkyMiles® Reserve Business American Express Card.

Welcome offer

Earn 70,000 bonus miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.

LEARN MORE: Best Sign-Up Bonus Credit Cards

Up to 3 miles per $1

The Delta SkyMiles® Reserve Business American Express Card earns:

  • 3 miles per $1 on eligible purchases made directly with Delta
  • 1.5 miles per $1 for every purchase after you spend $150,000 on your Card within a calendar year
  • 1 mile per $1 on other eligible purchases
  • Terms apply

Airport lounge access

With this card, you receive complimentary access to Delta Sky Clubs and two Delta Sky Club One-Time Guest Passes each year for someone traveling with you. You and your guests must be flying with Delta to use this benefit, and terms apply.

When you purchase a Delta flight with your Delta SkyMiles® Reserve Business American Express Card, you also receive complimentary access to the American Express Centurion Lounge and Escape Lounge programs. There aren't many cards that offer access to more types of airport lounge.

COMPARE TOP PICKS: Best Credit Cards With Airport Lounge Access

Companion certificate

Each card membership year, upon renewal of this card, you receive a Delta SkyMiles Companion Certificate valid for a round-trip domestic First Class, Delta Comfort+®, or Main Cabin flight. Payment of no more than $80 for flight fees is required, and terms apply.

If you often have someone traveling with you, a companion certificate can be extremely valuable. Depending on the cabin you choose and the cost of the flight, you can easily save $500 or more with a companion certificate.

Free checked bag

You and up to eight travel companions on the same reservation can check one bag free of charge. The first checked bag normally costs $30 per segment with Delta, so this could save you $60 per round-trip flight. Many airline credit cards have this perk, and it's a must if you usually check a bag when you fly. Terms apply.

SEE MORE TOP PICKS: Best Airline Credit Cards

Global Entry/TSA PreCheck fee credit

This Delta card covers your membership fee with either Global Entry ($120) or TSA PreCheck (up to $85). You can use your statement credit every four years with Global Entry, or every 4.5 years with TSA PreCheck. Terms apply, select enrollment required.

Global Entry can cut your wait time at U.S. customs when returning to the country. TSA PreCheck allows you to go through expedited security lanes at many U.S. airports. While both programs have their benefits, Global Entry includes a TSA PreCheck membership, so it's the clear choice.

LEARN MORE: TSA PreCheck, Global Entry, and CLEAR: Which Program Is the Best?

Priority boarding

As a cardholder, you can board your flight when Main Cabin 1 priority boarding is called. Up to eight travel companions on the same reservation can board with you.

Complimentary upgrades

If you don't have Medallion status, you're added to the complimentary upgrade list after Medallion members. If you're already a Medallion member, you have priority over other passengers within the same Medallion tier and fare class grouping.

20% back on in-flight purchases

This card offers 20% back as a statement credit on eligible in-flight purchases, including food, alcoholic beverages, and audio headsets. To receive the credit, you must pay with your Delta SkyMiles® Reserve Business American Express Card. Terms apply.

Employee cards

You can request employee cards so that you earn miles on your employees' company spending. American Express also lets you set spending limits on employee cards -- a valuable extra for any business credit card. Terms apply.

SEE MORE: Best Business Credit Cards

Travel and purchase protections

American Express has always stood out as a card issuer for its robust travel and purchase protections. This Delta card offers:

  • Trip delay insurance*
  • Trip cancellation and interruption insurance**
  • Baggage insurance***
  • Car rental loss and damage insurance****
  • Extended warranty*****
  • Purchase protection******
  • Cellphone protection*******
  • Terms apply

Concierge service

If you need assistance such as getting dinner reservations or finding event tickets, this card offers a concierge service.

No foreign transaction fee

Travel cards typically don't charge you anything extra on international transactions. That's the case with the Delta SkyMiles® Reserve Business American Express Card, which doesn't charge a foreign transaction fee (see rates and fees).

SEE MORE: Best Travel Rewards Credit Cards

What could be improved

Although the Delta SkyMiles® Reserve Business American Express Card offers a ton of benefits, it also has some flaws.

Annual fee

This is the most expensive Delta business card, with a $550 annual fee. While that's pretty high, you could easily get thousands of dollars in value from this card's features.

Delta Sky Club membership can currently be purchased for a one-year rate of $695. You're effectively getting that, plus access to other airport lounges, just for having this Delta card. The companion certificate can also potentially outweigh the annual fee, depending on how you use it. And that's just touching on the benefits.

If you can take advantage of this card's features, you won't have any trouble getting your money's worth. If you're not sure, there are also less expensive Delta cards available. It may be worth looking at more credit card reviews to see what else is out there.

COMPARE TOP PICKS: Best Delta Credit Cards

Bonus categories

There aren't many bonus categories on the Delta SkyMiles® Reserve Business American Express Card. The rewards program is not bad, but for a high-end card, it's not exactly great, either. Many rewards credit cards, especially cards in this annual fee range, offer much more lucrative rewards programs.

SEE MORE OPTIONS: Best Rewards Credit Cards

Suggested credit score

A FICO® Score of 670 or higher is recommended to apply for the Delta SkyMiles® Reserve Business American Express Card. Successful applicants usually have credit scores in the good to excellent credit ranges.

American Express takes a variety of factors into account, and your credit score isn't the only thing that matters. It is, however, one of the most important.

IMPROVE YOUR ODDS: How to Increase Your Credit Score

The Amex Delta SkyMiles Reserve Business Card is right for you if:

In terms of benefits, the Delta SkyMiles® Reserve Business American Express Card has practically everything you could want from an airline credit card. If you can use those benefits, this card is a great deal. Here are a few signs this is the right card for you and your business:

  • You fly with Delta at least four or five times per year.
  • You want access to Delta Sky Clubs.
  • You often have one or more travel companions and could make use of a companion pass.

KEEP READING: Best American Express Credit Cards

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • Amex also offers Delta SkyMiles cards in Platinum Business and Gold Business versions. The annual fees are lower, but they also offer fewer benefits.

  • The main cardholder currently enjoys complimentary access to Delta Sky Club. Starting on Feb. 1, 2025, however, Reserve Card members will receive 10 visits per year, with unlimited access requiring total eligible purchases of $75,000 in the previous calendar year. Terms apply.