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The Delta SkyMiles® Reserve American Express Card is good for regular Delta flyers who can take full advantage of the card's many perks, especially the lounge access and elite status boost. It also helps if you at least occasionally fly with a companion, as the annual companion pass is one of the key ways of recouping the cost of the annual fee.
See if this card is the right fit for you with our detailed review.
On American Express' Secure Website.
Terms apply
On American Express' Secure Website.
Terms apply
Good/Excellent (670-850)
Intro APR
Purchases: n/a
Balance Transfers: n/a
APR
19.99%-28.99% Variable
Rewards Earn 3X Miles on Delta purchases. Earn 1X Mile on all other eligible purchases.
1X-3X miles
Annual Fee
$650
Welcome Offer Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
70,000 Bonus Miles
This card comes with huge perks if you are a loyal Delta customer. The annual fee pays for itself in a hurry if you are able to take advantage of all this card has to offer.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
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.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024. |
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Rating image, 5.00 out of 5 stars.
5.00/5
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.
= Best = Excellent = Good = Fair = Poor |
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 19.24%, 24.24%, or 29.24% Variable APR |
||
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
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.
= Best = Excellent = Good = Fair = Poor |
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.49% - 28.49% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
This is a great travel rewards card if you can say yes to at least most of the following:
If this isn't you…well, then you need to do some math before you take flight with this airline card.
The Delta SkyMiles® Reserve American Express Card is expensive ($650 a year, see rates and fees). If you can't get back at least that much in value -- but ideally more -- then I'd suggest checking out a cheaper Delta card.
This card is on my One Day list, since I'd like to get back to traveling enough to make it worthwhile (and the airplane metal one is just neat!). I prefer to fly first class domestically (when I can), and the companion pass has real appeal. Plus, I've always had a pleasant layover in Delta lounges, so that access has value to me. If I flew Delta just a little more often, this card would be in my wallet.
We're not the only ones who like this card. Take a look at what other folks are saying about the Delta SkyMiles® Reserve American Express Card.
Average review site rating: 4.0 / 5.0 stars
We took a look at reviews from our top seven competitors, and boy were they mixed! A few give it high markings for its potentially valuable benefits, while others question its appeal to broader audiences.
Many of our competitors rightfully called out the very high annual fee. And several mentioned the upcoming restrictions on lounge access as potentially devaluing the card.
That said, everyone still lauded lounge access as a prime perk with a lot of value for Delta regulars. We also agreed across the board that the annual companion pass was a huge part of the card's appeal that could cover the card's annual fee if redeemed on a high-value route.
As with the more official reviewers, social media is full of folks both for and against the Delta SkyMiles® Reserve American Express Card. It's quickly clear that the people who see the most value in the card are exactly who the card is meant to tempt: regular Delta flyers.
Folks on the "Why?!" side talk about the same cons we found: a high annual fee and very low rewards rates. On the other side, defenders simply counter with, "That's not the point." They cite the perks, like the companion pass and lounge access, as more valuable than a higher earning rate.
The one thing that has the loyalists fired up? Upcoming negative changes to the Sky Club lounge access perk. I happen to agree here, and I highlighted those changes below under "What could be improved."
Once you're used to having airport lounge access, it's hard to go back. Cardholders of the Delta SkyMiles® Reserve American Express Card can get access to several lounge networks:
Cardholders also get four one-time guest passes for the Delta Sky Club each year. After that, you'll need to pay for guests at all lounges (terms apply).
Starting Feb. 1, 2025, Sky Club access will be limited to 15 visits per year unless you meet spending requirements. Read more on the changes below under "What could be improved."
This is arguably where the biggest value of the Delta SkyMiles® Reserve American Express Card lies: Cardholders get an annual companion certificate good for a buy-one-get-one round-trip Delta cash fare (terms apply).
The certificate is good all the way up to domestic first class -- and that's pretty much where the best value lies. For example, roundtrip from Boston to Seattle in the Main cabin only runs around $400, while first class would be over $1,100.
If you and a companion already pay for round-trip first-class tickets each year, then this is an easy win.
New cardholders can earn 70,000 Bonus Miles bonus miles after they spend $5,000 in the first 6 months.
Although Delta SkyMiles can be hard to maximize for top value, the welcome bonus could go a long way toward domestic main cabin flights.
Keep in mind that the welcome bonus for Amex cards can vary quite a bit (even more than most welcome bonuses). So always do a bit of research before you apply for a new Amex card to ensure you're getting the best welcome offer possible.
In true Amex style, this card has a couple of statement credits you can earn on purchases from partners. Specifically, cardholders can earn:
If you're already making these purchases, then that's an easy $360 a year that makes this card significantly more affordable.
However, these are use-them-or-lose-them credits that expire at the end of each month, which may make them harder to maximize. These perks are likely best suited for folks who live in larger cities with more options for using the credit organically.
Before the recent Medallion program overhaul, you had to buy (and fly) a lot of Delta flights to get status. Now, Delta SkyMiles® Reserve American Express Card holders can get status through card purchases alone -- and they don't have to start from $0, either.
First, you'll get a $2,500 MQD Headstart each year. This gets you halfway to Silver Medallion status, the first tier.
Then, you can earn $1 MQD per $10 in purchases on your card. This means you'll need $25,000 in eligible card purchases to get the rest of the way to Silver status. Terms apply.
Let's address the elephant-sized fee in the room: The Delta SkyMiles® Reserve American Express Card costs $650 a year (see rates and fees). This is not a small annual fee.
I have several cards with comparable fees, and I can tell you from experience it always makes me wince when it hits. I get value from them, or I wouldn't keep them, but it's still a really big number.
Before you apply (and even after you have the card), make sure you're doing the math on how much value you're going to realistically get out of it. And note I said "realistically" -- this card is too expensive to open it out of some idealized notion of how much value it could offer.
I touched on this above, but it's worth its own section because it could definitely change the game for some cardholders. Starting Feb. 1, 2025, there will be a 15-visit cap on cardholder access to the Sky Club lounges.
The only way around the new rules is to spend at least $75,000 on your Delta SkyMiles® Reserve American Express Card within the calendar year. After you reach the cap, you can choose to visit the lounges for $50 a pop. There won't be anymore guest passes, and you can't use your 15-visit allotment to bring a guest.
While this is probably plenty of visits for average flyers, folks who use Delta frequently -- i.e., the card's most ardent users -- are definitely not pleased about these developments. It could be a gamechanger for some cardholders.
Other than the annual fee, this is probably the most obvious drawback to this card. You'll earn:
That's it. That's all you earn. There are no other bonus purchase categories, not even the nearly ubiquitous restaurants and dining category.
If you're looking to maximize your purchases on, well, pretty much anything, this isn't the card for you. This isn't even the best card for maximizing Delta purchases! (That would arguably be The Platinum Card® from American Express.)
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
We recommend that you have a FICO® Score of 670 or higher to apply for the Delta SkyMiles® Reserve American Express Card. Amex will be looking at more than just your score, however, so you could be approved with a lower score -- or denied with a higher one.
All you need to do to see if you're pre-approved for the Delta SkyMiles® Reserve American Express Card is to apply. Amex cards will tell you if you're approved with just a soft credit check that doesn't impact your credit score.
After you are approved and accept the card, the hard pull will hit your credit report(s).
The Delta SkyMiles® Reserve American Express Card has a regular 19.99%-28.99% Variable APR. It has no intro APR offer, but I wouldn't expect one from a luxury travel rewards card. You're paying for other perks here.
The minimum starting credit limit for the Delta SkyMiles® Reserve American Express Card is $3,100, according to user reports. Some applicants receive much higher credit limits, and there are reports of credit limits over $20,000 with this card. Your credit limit is based on several factors, including your income and credit profile.
This card is designed for people who fly Delta regularly, at least a few times a year. It will be difficult to recoup the annual fee otherwise.
Folks who don't fly Delta often enough to justify this card can check out the less expensive Delta cobranded cards. Or compare other cards to find an even better fit.
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.
Yes, many versions of this card are made of metal. There are also occasionally "special edition" versions of the card released that are made of metal from decommissioned aircraft.
This card typically isn't hard to get if you're a qualified applicant with good credit. Those with a FICO® Score of 670 or higher have a strong chance of getting approved.
No, Delta miles don't expire.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
*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.
**Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
***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.
****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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For rates and fees for the Delta SkyMiles® Reserve American Express Card, click here
For rates and fees for the The Platinum Card® from American Express, click here
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