Delta Reserve® Credit Card from American Express

Robin Saks Frankel  in  Excellent Credit Advertising Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

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:
Purchase Intro APR:
Regular APR:
17.99%-26.99% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

Commonly used for: Airline, Excellent Credit, Good Credit, Rewards, Travel.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our airline category page.

Editor’s Note: This offer is no longer available. Check out our Best Airline Credit Cards page for our current offers. 

You fly so often you’re on a first-name basis with the gate agents and the flight attendants know how you like your coffee. If you rack up thousands of dollars a year to get from place to place, you’re the type of traveler the Delta Reserve Credit Card from American Express is tailor-made for.


Yes, it’s pricey. But for the right person, the $450 annual price tag (See Rates and Feeson the Delta Reserve Credit Card from American Express is worth it. The main reason people ultimately choose to sign up for this card is not the just-OK earning rate of 2 SkyMiles for every $1 spent on Delta: it’s for the boost towards elite status.

Delta’s Medallion Status program offers increasing levels of rewards and extras the more you fly, based on distance, segments flown, and annual spending. There are four tiers of status and each have progressively more perks, like mileage bonuses, automatic seat upgrades, and priority boarding.

The Delta Reserve Credit Card will give you a big push towards higher Medallion status by granting you 5,000 Medallion Qualification Miles (MQMs) and 75,000 bonus miles after you spend at least $5,000 in purchases on the card in the first three months of opening an account.  This bump could help quickly move you to the next level in Medallion Status.

Beyond the MQMs, there’s another big perk with this card: the round-trip domestic companion ticket given each year after the first year of card ownership (taxes and fees apply). The certificate is not only good for the main cabin but also for first-class or Delta Comfort+ tickets.

Yet another potentially meaningful benefit that comes with this card is a free membership to the Delta Sky Club airport lounges, which are otherwise only accessible by paying $59 per visit, shelling out $450 for the annual membership fee, or by attaining the Diamond level of Medallion status. Sky Club Members are also allowed to bring a guest at a reduced $29 guest pass fee.

If you’re willing to fork over the hefty fee exchange for the plush perks, these extras are what give this card the edge over the $195 Platinum Delta SkyMiles Credit Card from American Express. With the Reserve version, you’re essentially paying an extra $255 for Delta Sky Club access (and bring up to two guests for $29 per person per visit), a companion ticket that’s good for premium classes, and the chance to earn more MQMs if you spend enough. If your spending habits are more modest, the Platinum card is likely a better choice.

For more information on Medallions status and the Delta SkyMiles rewards structure, refer to our Delta SkyMiles frequent flyer guide.

  • Companion certificate could be worth hundreds and can be used for premium seats (taxes and fees apply).
  • Delta Sky Club access is included.
  • Big spenders can earn bonus qualification miles to boost their elite status.
  • Even though it’s discounted, you still have to pay for your traveling companions to enter the Delta Sky Club with you.
  • This card doesn't include Priority Pass Lounge access so if you're somewhere without a Delta Sky Club, you won't have a lounge to use.
  • If you don’t spend at least $30,000 a year on the card, you’ll miss out on the MQM boost.
  • The annual cost of ownership is pricey.

Who should get this card

Big spenders who spend a lot on travel and want to qualify for a Delta Medallion Status level.

Fees and APR

  • There’s a $450 annual fee to own this card.
  • A penalty APR of 29.99 percent may apply for a minimum of six months if you pay late or miss a payment, plus a late fee of up to $38 may apply.
  • Balance transfers are subject to a 3 percent fee of the amount being transferred and can only be done within the first 60 days of opening the account.
  • There are no foreign transaction fees with this card.
  • See Rates and Fees.

Extras, perks and using points

This card comes with access to a Delta concierge, and travel accident and auto insurance and protections.

Cardholders get one free checked bag, which can save up to $240 per round trip for a family of four, and 20 percent off in-flight purchases (in the form of a statement credit). Owners of the card also get priority boarding and baggage insurance, extended warranty and price protections.

There are no fees and no blackout dates when redeeming miles on Delta Airlines. You can use your miles to book flights, upgrade existing flights, or redeem for a Delta Vacation. Delta Reserve cardholders can use their miles to reduce the cost of their ticket, starting at 5,000 miles. Mileage can also be used to pay for select merchandise through the Delta SkyMiles Marketplace, or donated to charity.

Get Main Cabin 1 Priority Boarding on Delta flights, allowing you to board early and settle in sooner.

As an American Express card, you also get presale access to select concerts and other entertainment events.

For rates and fees of the Delta Reserve card, please click here.