Delta Skymiles Reserve Credit Card Review | Credit Shout
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Delta Skymiles Reserve Credit Card Review

By Taryn Estrada / June 7, 2021

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While the $550 annual fee may scare most people away, it’s well worth it if you want to travel in comfort with a close friend. The big question, “is it worth the $550 annual fee?” Let’s find out!

Delta Skymiles Reserve Card

The Delta SkyMiles Reserve Card gives you access to Sky Club when you’re flying on Delta, also giving you the ability to earn (MQMs) Medallion® Qualifying Miles and a (MQD) Medallion® Qualifying Dollars waiver through spending on your card. If you’re already a fan of Delta Sky Club lounges and first class flying, the Delta SkyMiles Reserve credit card may be worth the large annual fee. More on that below.

The Delta SkyMiles Reserve works best for those of you that frequently use Delta flyers and want to grab the Delta perks, which includes access to the lounge and a domestic companion certificate after each account anniversary.

We see 2 valuable benefits – that includes: access to Delta Sky Clubs and the annual companion certificate that can be redeemed for a round-trip domestic first-class ticket. These 2 perks alone could justify the costs of the annual fee. If you’re not using these benefits, it may be better to look at other travel rewards credit cards.

Looking for a travel card with no international transaction fees? Be sure to check this: Credit Cards With No International Transaction Fees

Delta Skymiles Reserve Card Review

Let’s take a closer look at the benefits.

Credit Card Type: Airline

Annual Fee: $550

Interest Rate: The ongoing APR is 15.74% – 24.74% Variable APR

Foreign Transaction Fees: None

Welcome Bonus: Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Plus, earn up to $100 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership. Terms will apply.

Delta Skymiles Rewards:

  • Earn 3 miles per dollar on eligible purchases made directly with Delta.
  • Earn 1 mile per dollar spent on all other eligible purchases.
  • Terms will apply.

Delta Skymiles Reserve Card Benefits: 

  • Get complimentary access to Delta Sky Club and American Express’s Centurion Lounge and (2) one-time guest passes to Delta Sky Clubs every year.
  • Annual companion certificate upon renewal (this is good for one round-trip domestic flight in first class, Delta Comfort+ or main cabin for someone traveling with you, minus the taxes and fees).
  • It does include a concierge service.
  • Get credit of up to $100 for the application fee for either TSA Precheck or Global Entry.
  • First checked bag is free for you and up to (8) other passengers traveling on the same reservation.
  • Get priority boarding.
  • Get 20% savings on eligible in-flight purchases.
  • Terms will apply.

Status Boost Bonuses – Earn 15,000 Medallion Qualification Miles after spending $30,000 or more in eligible purchases on your card in a calendar year, and another 15,000 MQMs after spending $60,000. Terms will Apply.

Is The Delta SkyMiles® Reserve Card Worth It?

Let’s get to key points of the Delta SkyMiles review. Here’s the top (2) perks explained.


If you want access to Delta Sky Club lounges, you normally have to pay $545 to get it. If you have the Delta SkyMiles® Reserve American Express Card, it’s included into your membership. If you’re looking for a safe haven from the long layovers, this one benefit alone can make up for the high annual fee.

If you have plans to add an authorized user to your card, it may be definitely worth it. Authorized cardholders will get the same level of access to Delta Sky Club as the primary card holder. On top of that,  it will also get you into American Express Centurion Lounges when you’re flying Delta. Terms will apply.

If you’re not familiar with what the lounges offer, they generally have complimentary refreshments, booze, Wi-Fi, showers and comfortable seats. In 2018, the airline stopped selling single-day passes to its lounges, so it’s tough to get in. Terms will apply.


One of the most valuable features on the Delta Reserve Credit Card is its annual companion certificate. Unlike most companion certificates, it’s not limited to coach tickets. You can use these certificates for Delta Comfort+ or first class tickets. If you’re a frequent flyer on Delta, this can be a very valuable perk.

Now, the certificate does have a few limitations. In most cases, it can only be used only to purchase round-trip fares within the contiguous 48 states (residents in Alaska, Hawaii, Puerto Rico and the U.S. Virgin Islands can use it if they meet the threshold). Terms will apply.

In order to redeem it, you and your companion must be flying in the same fare class. You can’t dispatch your traveling partner to first class while you’re on a coach flight.

Is It The Right Delta Card For You?

When you compare all the different Delta cards out there, the Delta SkyMiles Reserve Card stands out by itself on a high tier level. This card has great benefits (if you fly Delta) and the highest annual fee. What’s the right choice?

As we said before, if you fly Delta regularly and you’re going to be able to take advantage of the (2) big benefits, it’s definitely worth grabbing. If you’re looking to earn miles with Delta but want to pay a lower annual fee, consider going with one of the other cards.

Learn more by reading our Best Airline Credit Cards blog.

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Editorial Discloser: Opinions expressed here are authors alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.