Delta SkyMiles® Reserve Card review

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
15.74% ‐ 24.74% (Variable)
Balance Transfer
15.74% ‐ 24.74% (Variable)
1 - 3 Miles
Signup Bonus
70000 miles (after spending $5,000)

Informr score
The Delta SkyMiles® Reserve Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 20 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Delta SkyMiles® Reserve Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Simple Dollar

You may find this card is ideal if you are a frequent Delta flyer and plan to squeeze all the value you can out of the perks to justify the annual fee. Make sure to purchase all of your Delta flights using the card, utilize those airport lounges, take advantage of the free baggage and use the other...

- Jessica Walrack, The Simple Dollar

The Delta SkyMiles Reserve American Express card offers very appealing benefits for frequent flyers. It has an expensive annual fee of $550, but Delta loyalists who maximize this card's benefits and spend heavily can potentially justify that cost over the course of a year.

- Mitchell Strohm, Investopedia
Credit Card Insider

The Delta SkyMiles Reserve American Express Card is the priciest Delta co-branded credit card, and it’s a great pick for Delta fanatics. It earns 3X SkyMiles per dollar on direct Delta purchases and offers a plethora of premium travel benefits, including airport lounge access.

- Sean Messier, Credit Card Insider
Business Insider

The Delta Reserve card is one such card that lets you earn miles in this program based on your spending. The annual fee is high, but you'll get access to Delta Sky Clubs and Amex Centurion lounges worldwide any time you fly with the airline. If you fly with Delta more than others, it may be worth co...

- Holly Johnson, Business Insider
One Mile at a Time

At the moment the Delta Reserve Credit Card has an exceptional welcome bonus that includes redeemable miles and elite miles. At a minimum, the 100,000 miles can get you $1,000 worth of travel on Delta, and then the elite miles can help you achieve Medallion status. This card isn’t for everyone, thou...

- Ben, One Mile at a Time


Interest Rates
Regular APR Interest Rate 15.74% ‐ 24.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.74% ‐ 24.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $550.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 70000 miles after spending $5,000
  • On purchases within the first 3 months.
  • Also earn 10,000 MQMs after spending $3,000 on purchases within the first 3 months.
All Purchases 1 mile for $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 3 miles for $1 spent

On Delta flights and Delta Vacations

Pharmacy No
Bills No
Additional Details
  • Earn 15,000 Medallion Qualification Miles after you spend $30,000 in purchases on your Card – up to 4 times/year.
  • Waive the MQDs requirement towards Platinum, Gold or Silver Medallion Status if you make at least $25,000 in purchases in that year.
Features & Benefits
Additional Card Holders Yes

Each Additional Delta Reserve Credit Card is $175.

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Complimentary Delta Sky Club® Access
  • Complimentary Access To The Centurion Lounge
  • Delta Reserve Annual Companion Certificate
  • Upgrade Priority
  • Access To Complimentary Upgrades
  • First Checked Bag Free
  • Baggage Insurance Plan
  • Priority Boarding
  • 20% Back On In-flight Purchases
  • Trip Delay Insurance
  • Trip Cancellation and Interruption Insurance
  • Premium Global Assist® Hotline
  • Entertainment Access
  • Complimentary ShopRunner Membership
  • Receive Either A $100 Statement Credit For Global Entry Or An $85 Credit For Tsa Pre✓®
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments Other Names (AKA): Delta Reserve® Credit Card

Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Delta SkyMiles® Reserve Card

Rate It: