Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Delta SkyMiles® Reserve Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
$550.00
Interest Rate: Purchases
16.49% ‐ 25.49% (Variable)
Interest Rate: Purchases
16.49% ‐ 25.49% (Variable)
Balance Transfer
-
Balance Transfer
-
Rewards
1 - 3 Miles
Rewards
1 - 3 Miles
Signup Bonus
125000 miles (after spending $5,000)
Signup Bonus
125000 miles (after spending $5,000)


8.1/10
Informr score
The Delta SkyMiles® Reserve Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 34 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...


Cnet
Cnet

The Reserve is best if you can take advantage of the annual companion certificate, which includes a Domestic First Class, Delta Comfort+ or Main Cabin flight for a friend each year upon renewal (taxes and fees of no more than $75 required), or if you're a traveler who uses Delta Sky Club lounges oft...

- Joe Van Brussel, Cnet
ZDNet
ZDNet

The Delta SkyMiles® Reserve American Express Card looks to reward Delta enthusiasts with strong perks and rewards. It provides cardholders with time-and-money saving perks and offers extra comfort to travelers with its coveted airport lounge access. Additionally, the card offers a number of other tr...

- Jessica Walrack, Evan Zimmer, ZDNet
One Mile at a Time
One Mile at a Time

The Delta Reserve Card is Delta’s most premium credit card, and it’s currently offering a huge welcome bonus. While the card isn’t for everyone, I do think it’s well worth considering if you’re a frequent Delta flyer, and could benefit from lounge access, the companion ticket, improved upgrade prior...

- Ben Schlappig, One Mile at a Time
CreditCards.com
CreditCards.com

While its list of luxury perks is relatively short, the Delta SkyMiles Reserve American Express Card should offer great value to frequent travelers thanks to its impressive rewards rate on Delta flights and generous annual bonus, which should go a long way toward offsetting the card’s high annual fe...

- Kelly Dilworth, CreditCards.com
FinanceBuzz
FinanceBuzz

The Delta SkyMiles Reserve American Express Card is likely best for people who fly Delta regularly — think monthly or more frequently — or plan to spend a lot using the card. The best rewards come with purchases made through Delta, and with a $550 annual fee you’ll want to make sure you get those re...

- Robin Kavanagh, FinanceBuzz

Details


Interest Rates
Regular APR Interest Rate 16.49% ‐ 25.49% (Variable)

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

Balance Transfer Interest Rate
Cash Advance Interest Rate 25.99% (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

Maximum

Promotions
Sign up bonus 125000 miles after spending $5,000
  • On purchases within the first 3 months
  • Also earn 10000 Medallion Qualification Miles after you spend $5000
Rewards
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

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✓®
  • Cell Phone Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments -
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: