If you enjoy spending time in the Delta Sky Club lounges and flying first class, the Delta SkyMiles® Reserve American Express Card might pay for itself, even with its steep annual fee. That’s thanks to two valuable benefits it features: complimentary access to Delta Sky Clubs, and an annual companion certificate that can be redeemed for a round-trip domestic first-class ticket.
These perks make the question of “should you get this card?” fairly clear-cut. If you’re sure you can make good use of these benefits, that alone could justify the cost. And if you can’t? This card probably isn’t an ideal choice for you.
Delta Skymiles Reserve Benefits
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 100,000 bonus miles after you spend $5,000 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 Apply.
Earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs up to four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different from miles you earn toward flights.
Delta Skymiles Rewards:
3 miles per dollar on eligible purchases made directly with Delta.
1 mile per dollar spent on all other eligible purchases.
Terms will apply.
Most credit card review platforms value Delta miles at 0.9 cent each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 0.9 cent or more in value from your Delta miles.
Delta Skymiles Benefits:
Complimentary access into the Delta Sky Club® for you when traveling on a Delta flight.
Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you book a Delta flight with your Reserve Card.
Receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Fee Credit for Global Entry or TSA PreCheck®.
First checked bag is free for you and up to eight other passengers traveling on the same reservation.
20% savings on eligible in-flight purchases.
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.
Why you might want the Delta SkyMiles® Reserve American Express Card
DELTA SKY CLUB ACCESS
Normally, you’d have to pay $545 for one year of individual access to the Delta Sky Club lounges — but with the Delta SkyMiles® Reserve American Express Card, membership is included. If you’re frequently looking for a reprieve from long layovers, this perk could largely make up for the card’s steep annual fee. And if you’re planning to have an authorized user on your account, it could be doubly valuable: Additional cardholders will have the same level of access to the Delta Sky Club as the primary cardholder, American Express confirms. Plus, every year you’ll get two one-time guest passes to Delta’s lounges. Your card will also get you into American Express Centurion Lounges when you’re flying Delta. Terms apply.
These lounges generally offer complimentary refreshments, booze, Wi-Fi, showers and comfortable seats. And they’re not as easy to access as they once were; in late 2018, the airline stopped selling single-day passes to its lounges. Terms 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 receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your Card.
That makes it potentially lucrative — that is, if you regularly buy Delta tickets in these fare classes.
To be sure, the certificate comes with some limitations. It can generally be used only to purchase round-trip fares within the contiguous 48 states (although cardholders living in Hawaii, Alaska, Puerto Rico and the U.S. Virgin Islands can take advantage if they meet certain requirements). Terms apply. Also, 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 fly coach.
A WAY TO WORK TOWARD ELITE STATUS
Most of the time, an airline credit card welcome offer will help you rack up miles quickly, but won’t get you any closer to elite status. The Delta SkyMiles® Reserve American Express Card is different. It comes with a generous 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 Apply.
That gets you significantly closer to Silver status, which you can earn after hitting 25,000 MQMs in a calendar year. That snags you certain benefits when flying with airline partners, savings on Delta Vacations packages (including those booked with miles) and more. (The Delta SkyMiles program has four elite status tiers, ranging from Silver to Diamond.)
Aside from that initial bonus, you can also earn more MQMs on this card if you’re a big spender. You’ll get 15,000 MQMs after spending $30,000 or more in eligible purchases on your card in a calendar year, up to four times in a calendar year. Terms apply.
How it compares with other Delta cards
In the pantheon of Delta credit cards, the Delta SkyMiles® Reserve American Express Card stands out as the most premium. Out of all Delta cards, it comes with the richest benefits — and the highest annual fee. 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.
While the $550 annual fee may scare most people away, but it’s well worth it if you want to travel in comfort with a friend.
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