Our Take
5.0
The bottom line:
Delta SkyMiles® Reserve Business American Express Card
on American Express' website
More details from American Express
- Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/23/24.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
View Rates & Fees
Pros & Cons
Pros
- High rewards rate
- Luxury perks
- Lounge membership
- Companion benefit
Cons
- Has annual fee
- Requires good/excellent credit
Compare to Other Cards
at American Express | at Chase | at American Express |
Annual fee $650 | Annual fee $95 | Annual fee $375 |
Regular APR 20.49%-29.49% Variable APR | Regular APR 21.24%-26.24% Variable APR | Regular APR 18.99%-27.99% Variable APR |
Intro APR N/A | Intro APR N/A | Intro APR 0% intro APR on purchases for 6 months from the date of account opening |
Recommended credit score 690-850good - excellent | Recommended credit score 690-850good - excellent | Recommended credit score 690-850good - excellent |
Full Review
Delta SkyMiles® Reserve Business American Express Card: Basics and benefits
- 3 miles per dollar spent on purchases made directly with Delta.
- 1.5x miles on eligible transit, U.S. shipping and U.S. office supply store purchases.
- 1.5x miles on all purchases after spending $150,000 in a calendar year.
- 1 mile per dollar spent on other purchases.
- Terms apply.
- First checked bag free for you and up to eight others on your reservation.
- Priority boarding allows you to get on the plane early.
- Access to complimentary seat upgrades. Even without elite status, your card could add you to the complimentary upgrade list, depending on the fare you booked.
- Credit for the application fee for TSA Precheck and Global Entry. Card members are eligible to receive either one $100 statement credit every 4 years for the application fee for Global Entry or one $85 statement credit every 4.5 years for TSA Precheck.
- 20% discount on in-flight purchases. You must use your card, and the discount comes in the form of a statement credit.
- Terms apply.
Highlights of the Delta SkyMiles® Reserve Business American Express Card
Lounges, lounges, lounges
Companion certificate
🤓 Nerdy Tip
Regarding the companion certificate benefit: You must depart and arrive in the 48 contiguous United States. There are exceptions to this rule for cardholders who live in Hawaii, Alaska, Puerto Rico or the U.S. Virgin Islands. You must book the same flights with your companion with the same times and dates, and make the purchase using the card. You'll get this benefit annually each year your card is renewed. Terms apply.Welcome bonus
- Access to complimentary seat upgrades. Even without elite status, your card could add you to the complimentary upgrade list, after Medallion members. But that’s only if you bought a Delta Comfort+ seat or higher. Basic economy fares are ineligible for upgrades.
- Free checked bags. The checked-bag benefit is especially generous with this card. You’ll get a first checked bag free for you and up to eight others on your reservation. Terms apply. You might rarely have that many traveling companions, but fully used, that’s a savings of up to $630 on a round-trip flight ($35 per person each way). You would break even on the annual fee with just a few traveling partners, assuming you would have otherwise paid to check bags.
- Priority boarding. If you don’t typically check bags, then priority boarding can be important because getting on the plane earlier means you’re more likely to find overhead bin space for your roll-aboard.
- Credit for TSA Precheck or Global Entry application fee. The credit is good once every four years for Global Entry (current fee: $100) or every 4.5 years for TSA Precheck ($85).
- In-flight discount. Get 20% savings in the form of a statement credit on such purchases as food, alcoholic beverages and audio headsets onboard. Note that in-flight wireless Internet access does not count.
- No foreign transaction fees. Good travel cards generally don’t charge this fee — 3% is common — for making purchases abroad. This Delta card doesn’t, either. However, this card operates on the American Express network, which isn’t as widely accepted abroad as, say, Visa and Mastercard.
- Terms apply.
Business-friendly features
- The American Express Business App. This feature allows you to add receipts and notes to your transactions on desktop or mobile.
- Employee cards. There’s a $0 fee for adding employee cards to your account. You can set individual spending limits on these cards and set up various alerts to monitor spending.
- Year-end summary. This report, typically available in January, will show purchases made on your account during the previous calendar year.
- Terms apply.
How it compares with other Delta business credit cards
Annual fee | $0 intro for the first year, then $150 (see rates and fees) | $350 (see rates and fees) | $650 (see rates and fees) |
Rewards on Delta purchases | 2x | 3x | 3x |
Rewards besides bonus miles on Delta purchases and 1x on everything else | 2x on U.S. shipping purchases and U.S. advertising in select media (up to $50,000 per category, per year). Terms apply. | 3x on hotels, 1.5x on purchases of $5,000 or more. Terms apply. | 1.5x on all purchases after spending $150,000. Terms apply. |
Companion certificate | No | Yes (main cabin) | Yes (main cabin, Delta Comfort+ or first class) |
Sky Club airport lounge access | No | No | Yes, plus Centurion Lounge |
Global Entry or TSA Precheck credit | No | Yes | Yes |
Free first checked bag on Delta flights? | Yes | Yes | Yes |
Early boarding? | Yes | Yes | Yes |
Elite status boost? | No | Yes | Yes |
Delta SkyMiles® Reserve Business American Express Card: Drawbacks and alternatives
Annual fee
Limited spending rewards
Reward redemptions
Is the Delta SkyMiles® Reserve Business American Express Card right for you?
on American Express' website