Delta SkyMiles® Reserve American Express Card review: Premium value for Delta loyalists
The annual fee may be worth it if you’re a frequent Delta flyer looking for elite loyalty perks that can make your travel experience more pleasant
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Snapshot
4.1
Bottom line
If you want to fly in style and comfort, this card could be your path to upscaling your experience with airport lounge perks and more. However, only the most loyal Delta flyers may be able to justify the card’s high annual fee.
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn 100,000 Bonus Miles
Rewards rate
1X - 3X
Annual fee
$650
APR
20.49%-29.49% Variable
Bankrate Score
Rewards value
APR
Rewards flexibility
Features
Why you'll like this: It offers the most comprehensive Delta lounge access you can get with a credit card, plus Amex Centurion Lounge access.
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Delta SkyMiles® Reserve American Express Card overview
The Delta SkyMiles Reserve American Express Card is the top-of-the-line Delta Air Lines card, explicitly made for frequent Delta flyers who want a first-class travel experience.
However, Delta has recently replaced two popular perks — Status Boost and the Medallion Qualification Dollar (MQD) waiver — with new pathways to elite status. And the card’s hefty annual fee and limited bonus categories mean it may only appeal to those who spend significant time and money with the airline. Unless you can take full advantage of the card's benefits, it might not be worth the high price of carrying this card. Other Delta cards and general-purpose travel credit cards could easily carry more value for a lower annual fee and will be a better fit if you’re focused on rewards value, not flying first class or premium perks.
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Rewards
- 3X miles per dollar on eligible Delta flights and Delta Vacations®
- 1X miles on all other purchases
Expert Appraisal: Unimpressive
See our expert analysis -
Welcome offer
- Earn 100,000 bonus miles after you spend $6,000 in eligible purchases on your new card in your first six months of card membership.
Expert Appraisal: Good
See our expert analysis
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Rates and fees
- Annual fee: $650
- Regular APR: 20.49%-29.49% Variable APR
Expert Appraisal: Typical
See our expert analysis -
Other cardholder perks
- MQD Headstart and MQD Boost
- Access to Delta Sky Club lounges (effective 2/1/25, Reserve card members will receive 15 visits per year to the Delta Sky Club)
- Four annual Delta Sky Club one-time guest passes
- Access to The Centurion Lounges
- Annual companion certificate worth one round-trip flight to a domestic, Caribbean, or Central American destination (taxes and fees apply)
- $240 Resy credit (up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants with enrolled card)
- $200 Delta Stays credit (up to $200 per year as a statement credit on prepaid bookings through Delta Stays on delta.com)
- $120 rideshare credit (up to $10 in statement credits each month on U.S. rideshare purchases with select providers
- First checked bag free
- Statement credit for either Global Entry or TSA PreCheck® (Up to $120 credit for Global Entry, starting Oct. 1, 2024)
Expert Appraisal: Exceptional
See our expert analysis
Delta SkyMiles Reserve pros and cons
Pros
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You can enjoy Delta’s strongest benefit roster for luxury travel, such as complimentary lounge access, four annual Sky Club lounge guest passes and priority for complimentary upgrades.
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Valuable perks like the annual companion certificate and first free checked bag can help make up for the annual fee.
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Extensive travel protections include trip cancellation and interruption insurance, trip delay insurance and baggage insurance.
Cons
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The pricey annual fee can be too steep, especially if you don't earn Medallion Status with the card or maximize the card's annual benefits.
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This card lacks luxury travel card staples like annual credits for airfare.
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You'll only be able to earn boosted rewards for Delta purchases, a limited rewards category compared to less-premium SkyMiles cards.
Why you might want the Delta SkyMiles Reserve
The Delta SkyMiles Reserve offers a lot of bang for your buck if you take advantage of its strengths: its luxury travel perks.
Welcome offer: Decent value despite the annual fee
New Delta SkyMiles Reserve cardholders can earn 100,000 bonus miles for spending $6,000 in purchases in the first six months of card membership. According to our latest point valuations, Delta miles are worth around 1.2 cents apiece on average, so this intro offer would be worth around $1,200.
This welcome offer is among the highest offered on this card. Other general-purpose travel cards also provide equally or more competitive offers. For example, Bankrate’s point valuations show that the Chase Sapphire Reserve® card’s 60,000-point intro bonus (after spending $4,000 in the first three months) can also be worth around $1,200 if you find the right transfer partner (based Bankrate's latest point and mile valuations, which give Chase points an average value of 2.0 cents per point). However, this sign up bonus can help offset the card's steep annual fee for the first year.
Card perks: More than make up the cost of the card
The Delta SkyMiles Reserve card’s numerous luxury perks are its main selling point and where cardholders will find much of the card’s value.
Why you might want a different airline card
Despite its powerful perks, the Delta SkyMiles Reserve has a few disadvantages like high fees and a limited rewards program to consider.
Rates and fees: High annual fee and costly to add cards
This card’s biggest drawback is its $650 annual fee. To offset this fee with rewards earned from Delta purchases, you’ll need to spend a little over $20,000 per year with the airline. This makes the card a hard sell for occasional travelers, so achieving elite status and taking advantage of your travel benefits is key.
Another disappointing aspect of the card is that if you want to add cards to your account for authorized users, you'll pay an annual fee of $175 for each additional user.
While authorized users have lounge access and their purchases count toward elite status for the primary cardholder, this is a high fee for adding a card. While these fees are typical for premium airline cards, plenty of more cost-effective options are available if you look at general travel rewards credit cards.
Some competing luxury travel cards charge no fee for your first few cards you add to your account. For example, the Capital One Venture X Rewards Credit Card allows you to add up to four authorized users to your account at no additional cost (See Rates & Fees).
Rewards rate: Not fitting of a luxury card
The Delta SkyMiles Reserve American Express Card only earns its 3X miles rate on Delta flight and vacation purchases, so it isn’t very rewarding outside the airport. Not only do several Delta SkyMiles cards earn higher rates on non-Delta purchases, but several general travel cards offer more rewarding rates as well.
Delta miles don’t have a fixed redemption value for airfare, but generally your miles are worth about 1 cent. However, based on Bankrate’s latest point valuations, we estimate Delta SkyMiles are worth about 1.2 cents each on average, which is decent but still a bit on the low side compared to other airline cards.
We tried it: Here’s what our experts say
Anyone who considers themselves a Delta loyalist should take a close look at the Reserve Card, according to Nick Ewen, a credit card expert at The Points Guy.
The Delta Reserve Amex carries a high annual fee, but for anyone who frequently travels with Delta, it can be a no-brainer. Even though it will begin limiting Sky Club access as of Feb. 1, 2025, it’s great to be able to relax in a comfortable lounge prior to your flight. I also love the annual domestic companion ticket it offers, which is valid for economy class, Comfort+ and first class. This year, I treated my wife and daughter to first-class flights to New York for my daughter’s birthday celebration — not only saving over $600 but helping create an amazing memory for my family.
— Nick Ewan, Director of Content, The Points Guy
How the Delta SkyMiles Reserve American Express Card compares to other travel cards
Despite its decent intro bonus and potential rewards, the Delta Reserve’s sizable annual fee means there might be better options for frugal spenders and occasional travelers, especially if you don't fly Delta often.
Annual fee
Intro offer
Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards rate
Earn 3X Miles on Delta purchases. . Earn 1X Miles on all other eligible purchases.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards rate
Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards rate
Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Best cards to pair with the Delta SkyMiles Reserve
The elite status boost spending requirements means the Delta Reserve card should be your primary credit card. But pairing it with cards in the SkyMiles family and other American Express travel cards can extend its reach to earn more rewards outside Delta purchases. And once you’ve gained your elite status on the Reserve, you can let one of these cards take over the bulk of your purchasing needs.
Who is the Delta SkyMiles Reserve right for?
Given the high annual fee and numerous perks centered on the Delta SkyMiles program, the card is best suited for Delta loyalists.
Bankrate’s Take — Is the Delta SkyMiles Reserve worth it?
The Delta SkyMiles Reserve Card’s heavy focus on premier travel benefits like lounge access and reliance on elite status rewards make it a worthwhile investment for Delta Air Lines fans who have big travel budgets and a taste for luxurious accommodations. However, these specialized features and its limited rewards could make the annual fee too steep for many travelers — especially those who mostly fly solo.
If you don’t spend much with Delta or you want more flexibility from a luxury-level card’s rewards and perks, you might be better off with a general-purpose travel credit card or one of Delta SkyMiles’ lower-cost cards.
For rates and fees of the Delta SkyMiles Reserve card, please click here.
For rates and fees of the Delta SkyMiles Platinum card, please click here.
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.
*Effective 2/1/25, Reserve card members will receive 15 visits per year to the Delta Sky Club.
How we rated this card
We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.
Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).
We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:
Frequently asked questions
What cardholders think
Delta SkyMiles® Reserve American Express Card
In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.
Community Reviews
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.