info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of the Delta SkyMiles® Reserve American Express Card

  • Overview of the Card’s Core Offerings: The Delta SkyMiles® Reserve American Express Card is a premium co-branded travel credit card designed for frequent Delta Air Lines travelers who seek luxury perks, elite status benefits, and enhanced travel experiences. With a focus on rewarding loyalty to Delta, this card offers a robust suite of features that cater to both leisure and business travelers who prioritize convenience, comfort, and rewards. Its high annual fee is offset by a range of premium features, including lounge access, travel credits, and opportunities to earn miles and Medallion Qualification Dollars (MQDs) to achieve elite status within Delta’s SkyMiles program.
  • Rewards Structure:
    • 3X Miles on Delta Purchases: Cardholders earn 3 miles per dollar spent on all eligible purchases made directly with Delta Air Lines, including flights, seat upgrades, in-flight purchases, and other Delta-related transactions. This maximizes mile accumulation for frequent Delta travelers.
    • 1X Miles on All Other Purchases: For all other eligible purchases, you earn 1 mile per dollar spent, ensuring that everyday spending contributes to your SkyMiles balance.
Bank of Baroda Premier Credit Card
    • Welcome Bonus Offer: New cardholders can earn a substantial welcome bonus of 70,000 bonus miles after spending $5,000 in eligible purchases within the first six months of card membership. Valued at approximately 1.2 cents per mile, this bonus is worth around $840 and offers a significant boost for travel rewards. Note that the welcome bonus is subject to American Express’s once-per-lifetime rule, meaning it can only be earned once for this specific card, regardless of past Delta SkyMiles card ownership.
    • Delta Sky Club Access: One of the card’s standout features is its access to Delta Sky Club lounges. Cardholders receive 15 visits per Medallion Year when flying on Delta or Delta Connection flights. After spending $75,000 on the card in a calendar year, cardholders unlock unlimited Delta Sky Club visits, making this feature highly valuable for frequent flyers. Additionally, cardholders receive four one-time guest passes each Medallion Year, allowing them to share the lounge experience with family or friends. Access is limited to same-day, Delta-marketed or Delta-operated flights, and additional guests can be brought in for a fee of $50 per person per visit.
    • Centurion Lounge and Escape Lounge Access: When purchasing a Delta flight with the card, cardholders gain complimentary access to The Centurion® Lounge and Escape Lounges – The Centurion® Studio Partner. This perk extends to up to two guests at a rate of $50 per adult (or $30 for children aged 2–17), provided they are traveling on a same-day Delta flight. These lounges offer premium amenities like gourmet food, high-speed Wi-Fi, and comfortable seating, enhancing the pre-flight experience.
    • Annual Companion Certificate: Each year after card renewal, cardholders receive a Companion Certificate valid for a round-trip flight in First Class, Delta Comfort+®, or Main Cabin to select domestic, Caribbean, or Central American destinations. The certificate covers the base fare for a companion, with the cardholder responsible for taxes and fees ranging from $22 to $250, depending on the itinerary. This feature can yield significant savings, especially for First Class travel, and is a cornerstone of the card’s value proposition.
    • Free First Checked Bag: Cardholders and up to eight companions on the same reservation receive a free first checked bag on Delta flights, saving up to $70 per person per round-trip (a potential $280 savings for a family of four). This applies to standard-weight and standard-size bags on Delta or Delta Connection flights, making it a practical perk for frequent travelers.
    • Priority Boarding: The card offers Main Cabin 1 Priority Boarding (Zone 5) for the cardholder and up to eight companions on the same reservation. This allows earlier boarding, ensuring ample time to stow carry-on luggage and settle in before takeoff. Priority boarding is available on Delta and Delta Connection flights but not on Delta Shuttle flights.
    • Complimentary Upgrades: Non-Medallion members with an eligible ticket are added to the Complimentary Upgrade List after Delta SkyMiles Medallion members, increasing the chances of securing a seat in a higher cabin class, such as Delta Comfort+ or First Class, subject to availability. For Medallion members, the card prioritizes upgrades over others within the same status tier and fare class.
    • Medallion Status Boosts (MQD Headstart and MQD Boost): The card provides a $2,500 Medallion Qualification Dollars (MQD) Headstart each Medallion Qualification Year, giving cardholders a significant boost toward achieving Delta SkyMiles Medallion status. Additionally, cardholders earn $1 MQD for every $10 spent on eligible purchases, further accelerating progress toward elite status tiers like Silver, Gold, Platinum, or Diamond. These features are particularly valuable for frequent Delta flyers aiming to unlock exclusive benefits like priority check-in, bonus miles, and complimentary upgrades.
    • Statement Credits:
      • Resy Credit: Cardholders can earn up to $240 annually in Resy Credits ($20 per month) for eligible purchases at U.S. Resy restaurants after enrolling through their American Express account. This credit encourages dining at sought-after establishments and can offset the card’s annual fee when fully utilized.
      • Rideshare Credit: The card offers up to $120 annually in Rideshare Credits ($10 per month) for U.S. rideshare purchases with select providers, such as Uber or Lyft, after enrollment. This perk supports seamless travel to and from airports or other destinations.
      • Delta Stays Credit: An annual $200 Delta Stays Credit is available for prepaid hotel or vacation rental bookings made through Delta Stays on delta.com. This credit enhances the card’s value for travelers who book accommodations through Delta’s platform.
      • Global Entry or TSA PreCheck Credit: Cardholders receive a statement credit of $120 every four years for Global Entry or up to $85 every 4.5 years for TSA PreCheck after paying the application fee with the card. Global Entry includes TSA PreCheck at no additional cost, streamlining both domestic and international travel.
    • Additional Travel Perks:
      • Hertz President’s Circle Status: Cardholders receive complimentary Hertz President’s Circle Status after enrolling and linking their Hertz Gold Plus Rewards account to their SkyMiles account. This status offers benefits like upgraded vehicles, priority service, and bonus points on car rentals, enhancing the overall travel experience.
      • No Foreign Transaction Fees: The card has no foreign transaction fees, making it ideal for international purchases without incurring additional costs, a feature that aligns with the needs of global travelers.
    • Travel Protections: The card includes robust travel protections, such as Trip Delay Insurance (up to $500 per trip for delays over six hours, maximum two claims per year), Trip Cancellation and Interruption Insurance (up to $10,000 per trip, $20,000 per year), and Baggage Insurance (up to $1,250 for carry-on, $500 for checked baggage). These protections provide peace of mind for unexpected travel disruptions.
    • Digital Tools and Account Management: The American Express App offers cardholders tools to manage their account, track spending, receive fraud alerts, and access nearby offers. This digital integration ensures seamless control over card activity, enhancing user convenience.
    • Annual Fee and Additional Card Options: The card carries a $650 annual fee, reflecting its premium status and extensive benefits. Additional cards for employees or family members are available, with benefits like lounge access and priority boarding extended to additional cardholders, though some perks are limited to the primary cardholder.
    • Summary of Features: The Delta SkyMiles® Reserve American Express Card is packed with features tailored for Delta loyalists, including a rewarding miles structure, lounge access, travel credits, and elite status boosts. Its comprehensive travel protections and digital tools further enhance its appeal for frequent travelers seeking a premium experience.
Premier Card Benefits

Benefits of the Delta SkyMiles® Reserve American Express Card

  • Enhancing the Travel Experience:
    • Annual Companion Certificate: The Delta SkyMiles® Reserve American Express Card offers a wealth of benefits that elevate the travel experience for Delta Air Lines loyalists. From exclusive lounge access to financial savings through statement credits and travel perks, the card is designed to provide value that offsets its high annual fee for frequent flyers. These benefits cater to travelers who prioritize comfort, convenience, and rewards, making every journey more enjoyable and cost-effective.
    • Welcome Bonus Value: The 70,000 bonus miles welcome offer, earned after spending $5,000 in the first six months, provides significant value, estimated at $840 based on a 1.2 cents per mile valuation. This bonus can be redeemed for Delta flights, partner airline flights, or other SkyMiles redemption options, offering flexibility for travel planning.
    • Companion Certificate Savings:The annual Companion Certificate is a standout benefit, allowing cardholders to bring a companion on a round-trip flight for just taxes and fees ($22–$250). For First Class tickets, this can result in savings of hundreds or even thousands of dollars, making it a key feature for couples or families traveling to domestic, Caribbean, or Central American destinations..
    • Free Checked Bag Savings: The free first checked bag for the cardholder and up to eight companions can save up to $70 per person per round-trip, equating to $280 for a family of four.
    • Statement Credits Offset Annual Fee: The card’s statement credits—$240 Resy Credit, $120 Rideshare Credit, $200 Delta Stays Credit, and Global Entry/TSA PreCheck Credit—can total up to $560 annually if fully utilized.
    • Travel Convenience and Comfort:
    • Delta Sky Club and Lounge Access: Access to Delta Sky Club lounges and Centurion/Escape Lounges enhances comfort during layovers or pre-flight waits. Lounges offer complimentary food, drinks, Wi-Fi, and workspaces.
    • Priority Boarding Benefits: Main Cabin 1 Priority Boarding for cardholders and up to eight companions helps secure overhead bin space and reduces boarding stress.
    • Complimentary Upgrades: Inclusion on the Complimentary Upgrade List for non-Medallion members and priority upgrades for Medallion members increase chances of Delta Comfort+ or First Class upgrades at no extra cost.
    • Hertz Five Star Status: Enjoy vehicle upgrades and priority service by enrolling and linking your SkyMiles account.
    • No Foreign Transaction Fees: Make purchases abroad without extra charges, ideal for international travel.
    • Elite Status Acceleration:
    • MQD Headstart and Boost: Receive a $2,500 Medallion Qualification Dollar headstart and earn $1 MQD per $10 spent to accelerate progress toward Delta SkyMiles Medallion, unlocking perks like priority check-in and waived fees.
    • Travel Protections and Peace of Mind:
    • Comprehensive Insurance Coverage: Includes Trip Delay Insurance, Trip Cancellation and Interruption Insurance (up to $10,000 per trip), and Baggage Insurance (up to $1,250 for carry-on, $500 for checked baggage).
    • Global Assist Hotline: 24/7 emergency assistance when traveling over 100 miles from home.
    • No Foreign Transaction Fees: Saves money on purchases abroad.
    • Exclusive Travel Perks:
    • Hertz President’s Circle Status: Receive upgraded rentals, priority service, and bonus points by enrolling and linking accounts.
    • TakeOff 15 Discount: Get 15% off Award Travel booked with miles on Delta flights through delta.com or the Fly Delta app, stretching mile value.
    • Lifestyle and Dining Benefits:
    • Resy Credit and Global Dining Access: $240 annual Resy Credit ($20/month) for dining at U.S. Resy restaurants plus access to exclusive reservations via Global Dining Access.
    • In-Flight Purchase Discounts: 20% back as statement credits on eligible Delta in-flight food, beverages, and entertainment purchases.
    • Digital and Account Management Benefits:
    • American Express App: Track spending, manage payments, and get fraud alerts in real time.
    • Amex Offers: Access exclusive rewards and credits.
    • 24/7 Customer Support: Receive quick assistance anytime via chat or phone.
    • Flexibility in Rewards Redemption:
    • Pay with Miles Option: Use miles to reduce Delta flight costs, with 5,000 miles equaling a $50 discount in 5,000-mile increments. Unlimited usage as long as miles are available.
    • Summary of Benefits: The Delta SkyMiles® Reserve American Express Card offers substantial financial savings via statement credits, enhanced travel experiences through lounge access and priority services.
Check Best Gold Loan Offers

How to Apply for the Delta SkyMiles® Reserve American Express Card

  • Application Process Overview
    • The application is accessible online, by phone, or mail, with online being the fastest and most common method.
    • American Express offers pre-qualification tools to check eligibility without impacting your credit score.
  • Online Application Process
    • Accessing the Application: Visit the Amex or Delta website, navigate to the Reserve card page, and click "Apply Now."
    • Pre-Qualification Check: Use the pre-qualification tool to see personalized offers without a hard credit pull.
    • Completing the Application Form: Provide personal info (name, DOB, SSN, email), address, financial details (income, employment, housing), and additional info (existing Amex cardholder, Delta SkyMiles number).
    • Review Terms and Conditions: Note the $650 annual fee, variable APR, and bonus terms (70,000 miles after $5,000 spend in 6 months).
    • Submit Application: Amex provides instant decisions or may request more info for review.
  • Alternative Application Methods
    • Phone Application: Call 8885545255 to apply with assistance from a representative.
    • Mail Application: Available rarely through promotional mailers; slower processing time.
  • Post-Application Steps
    • Approval and Card Activation: Card arrives in 7–10 days, activate online or by phone, and enroll in benefits like Resy and Rideshare credits.
    • Denied or Pending Applications: Receive explanation letters, consider reconsideration or submit documents if requested.
  • Tips for a Successful Application
    • Maintain a good credit score (670+).
    • Reduce debt to improve debt-to-income ratio.
    • Avoid multiple credit card applications close together.
    • Link existing Amex or Delta SkyMiles accounts.
    • Apply when welcome bonuses are high.
  • Managing the Welcome Bonus
    • Spend $5,000 in 6 months to earn 70,000 miles.
    • Track spending with the Amex App and avoid returns/refunds.
  • Understand the Card Benefits Before Applying
    • The Reserve card offers premium benefits like Delta Sky Club access, complimentary upgrades, and Global Entry/TSA PreCheck fee credits.
    • Make sure these perks align with your travel habits to maximize card value.
  • Check for Amex Offers and Promotions
    • Occasionally, American Express runs limited-time promotions or bonus miles on specific spending categories.
    • Look for such offers on your Amex account dashboard after approval.
  • Prepare Documentation for Income Verification
    • Especially if self-employed or with irregular income, have pay stubs, tax returns, or bank statements ready if requested.
    • This can speed up the approval process.
  • Understand the Impact of the Annual Fee
    • The $650 annual fee is high but can be offset by credits and perks if used regularly.
    • Evaluate if your spending and travel justify this fee before applying.
  • Use the Card for Delta Purchases
    • Using the card for Delta flights and related purchases earns higher miles and helps meet bonus spending requirements.
    • Plan your spending to take advantage of these categories.
  • Monitor Your Credit Utilization Ratio
    • Keep your credit card balances low relative to your credit limits to maintain a healthy credit score.
    • This can positively influence approval decisions and future credit line increases.
  • Be Aware of the Welcome Bonus Restrictions
    • The bonus may not be available if you’ve received a similar Delta Amex card bonus before due to the once-per-lifetime policy.
    • Review your past cardholdings to avoid surprises.
  • Set Up Account Alerts and Notifications
    • After activation, enable alerts for payment due dates, spending summaries, and bonus progress to stay on top of your card management.
    • This helps avoid fees and track rewards efficiently.
  • Consider Adding Authorized Users
    • You can add authorized users to share benefits like lounge access and earn miles on their spending.
    • There may be additional fees, so factor that into your cost-benefit analysis.
  • Plan for Renewal and Annual Fee Timing
    • Mark your calendar for the annual fee charge date and evaluate whether the benefits you receive justify renewing the card each year.
    • Consider downgrading if the fee outweighs benefits in future years.

Eligibility Criteria for the Delta SkyMiles® Reserve American Express Card

  • Credit Score Requirements:
  • Minimum Credit Score: While American Express does not publish an exact credit score requirement, the Delta SkyMiles® Reserve card typically requires a good to excellent credit score, defined by FICO as 670 or higher. Most successful applicants have scores in the 700–850 range, reflecting a history of responsible credit use. A higher score increases approval odds and may result in a higher credit limit.
  • Factors Influencing Credit Score:
    • Payment History: Consistent, on-time payments across all accounts are critical. Late payments or defaults can significantly lower your score.
    • Credit Utilization: Keeping your credit card balances below 30% of your available credit demonstrates financial discipline.
    • Length of Credit History: A longer credit history, with accounts open for several years, strengthens your profile.
    • Credit Inquiries: Multiple hard inquiries from recent credit applications can lower your score and signal risk to American Express.
    • Credit Mix: A mix of credit types (e.g., credit cards, mortgages, auto loans) can positively impact your score.
  • Use free credit monitoring services to check your score before applying, and address any issues, such as missed payments or high balances, to improve your chances.
  • Income and Financial Stability:
  • Income Requirements: American Express considers your annual household income to assess your ability to manage the card’s $650 annual fee and potential balances. While no minimum income is specified, applicants typically need a stable income sufficient to cover living expenses, existing debts, and the card’s annual fee. High-income earners, such as professionals or business owners, are more likely to qualify due to the card’s premium positioning.
  • Debt-to-Income Ratio: Your debt-to-income (DTI) ratio, calculated as your monthly debt payments divided by your monthly income, is a key factor. A DTI below 36% is generally favorable, as it indicates you can handle additional credit without financial strain. Pay down high-interest debts or consolidate loans to lower your DTI before applying.
  • Residency and Age Requirements:
  • U.S. Residency: The Delta SkyMiles® Reserve card is available only to residents of the United States and its territories (e.g., Puerto Rico, U.S. Virgin Islands). Non-residents, including those on temporary visas, are typically ineligible unless they have a permanent U.S. address and meet other criteria.
  • Minimum Age: Applicants must be at least 18 years old to apply for the card, aligning with standard credit card eligibility requirements. For lounge access with a self-service bar, cardholders must be 21 unless accompanied by a responsible adult.
  • American Express Policies:
  • Once-Per-Lifetime Welcome Bonus Rule: American Express enforces a once-per-lifetime rule for welcome bonuses. If you currently hold or have previously held the Delta SkyMiles® Reserve card, you are ineligible for the 70,000-mile welcome bonus, even if you apply for a new card. American Express may also consider your history with other Delta SkyMiles cards or the number of American Express cards you’ve opened or closed when determining eligibility.
  • Existing American Express Customers: If you’re an existing American Express cardholder, your payment history, account status, and total credit limit with American Express will influence your eligibility. A strong relationship (e.g., timely payments, low utilization) can improve approval odds, while a history of missed payments or high balances may lead to denial.
  • Card Limit Restrictions: American Express may limit the number of cards you can hold simultaneously. While no strict limit is published, applicants with multiple American Express cards may face scrutiny, particularly if their total credit exposure is high.
  • Additional Eligibility Considerations:
  • Delta SkyMiles Membership: While not mandatory, having a Delta SkyMiles account can streamline the application process, as you’ll need to link your card to an account to earn and redeem miles. If you don’t have an account, American Express will create one during the application process.
  • Employment Status: American Express considers your employment status (e.g., employed, self-employed, retired) to assess financial stability. While unemployment doesn’t automatically disqualify you, a lack of stable income may reduce approval chances. Self-employed individuals or business owners may also consider the Delta SkyMiles® Reserve Business American Express Card, which has similar benefits but caters to business expenses.
  • Pre-Qualification and Application Confidence: American Express’s pre-qualification tool allows you to check eligibility without a hard credit inquiry. This tool assesses your credit profile and provides a preliminary decision, helping you gauge approval odds. If pre-qualified, you may receive a targeted offer with a higher welcome bonus or better terms, depending on your creditworthiness.
  • Common Reasons for Denial:
  • Low Credit Score: Scores below 670 reduce approval chances.
  • High Debt Levels: A high DTI or significant credit card balances signal financial risk.
  • Previous Card History: Holding or having held the Delta SkyMiles® Reserve card disqualifies you from the welcome bonus and may impact approval.
Check Best Gold Loan Offers

Documents Required for the Delta SkyMiles® Reserve American Express Card

  • Overview of Documentation Needs:

    Applying for this card requires verifying your identity, financial status, and eligibility. Most steps are online, but additional documents may be requested.

  • Primary Information Required:
    • Personal Identification:
      • Full Legal Name: Must match government-issued IDs.
      • Social Security Number (SSN): Required for credit checks; ITIN holders rarely eligible.
      • Date of Birth: Must be 18 years or older.
      • Contact Information: Email and phone number.
    • Address Verification:
      • Residential Address: Must match credit report.
      • Mailing Address: If different from residential, provide separately.
    • Financial Information:
      • Annual Household Income: Total income from all sources.
      • Employment Status: Employed, self-employed, retired, or unemployed.
      • Monthly Housing Payment: Rent or mortgage payment.
  • Supporting Documents (If Requested):
    • Proof of Identity:
      • Government-Issued ID: Passport, driver's license, or state ID.
      • Social Security Card: Rarely requested.
    • Proof of Address:
      • Utility Bill: Recent bill dated within 60 days.
      • Bank Statement: Showing current address.
      • Lease Agreement or Mortgage Statement.
    • Proof of Income:
      • Pay Stubs: Usually last 1–2 months.
      • Tax Returns: Especially for self-employed applicants.
      • Bank Statements: Showing regular deposits.
      • W-2 or 1099 Forms: Employment or freelance income verification.
    • Additional Documentation for Special Cases:
      • Business Documentation: EIN, registration, or income proof for business owners.
      • Proof of Residency: For U.S. territory residents, territorial ID or utility bill.
  • Post-Application Documentation:
    • Respond promptly to verification requests within 7–14 business days.
    • Track application status on American Express website or app.

Factors to Consider for the Delta SkyMiles® Reserve American Express Card

  • Annual Fee Consideration: Comes with a $650 annual fee. Must maximize benefits such as Companion Certificate, statement credits, and lounge access to justify the cost.
  • Interest Rates: Variable APR ranges from approximately 15.99% to 25.99%. Carrying a balance can quickly negate rewards; paying in full monthly is recommended.
  • Additional Fees: Late payment and returned payment fees can be up to $40 each. Use autopay to avoid missed payments and fees.
  • Delta Flight Frequency: Best for frequent Delta flyers who take multiple Delta or Delta Connection flights annually, to fully leverage perks like free checked bags and priority boarding.
  • Geographic Considerations: More valuable for travelers near Delta hubs (Atlanta, Minneapolis, Detroit) with frequent Delta flights and Sky Club access.
  • International Travel: No foreign transaction fees make it suitable for global travel, but some benefits like TakeOff 15 discount and Companion Certificate are limited to Delta-operated flights.
  • Delta SkyMiles Value: Miles are worth ~1.2 cents each, though value varies due to dynamic pricing. Award travel on Delta with TakeOff 15 discount provides the best redemption value.
  • Pay with Miles Flexibility: Use miles to offset flight costs (5,000 miles = $50). Offers convenience but may deliver lower value than full award travel redemptions.
  • Dining and Rideshare Credits: Includes $240 annual Resy credit and $120 rideshare credit. These add value if you frequently dine at Resy restaurants or use rideshares like Uber.
  • Delta Stays Credit: $200 credit available when booking prepaid hotels or vacation rentals via Delta’s platform. Limited use if you prefer other booking sites.
  • Medallion Status Benefits: Includes $2,500 MQD Headstart and $1 MQD per $10 spent, accelerating elite status qualification for high spenders.
  • Lounge Access Threshold: Unlimited Delta Sky Club access after $75,000 annual spend; otherwise limited to 15 visits per year.
  • Comparison with Other Delta Cards: Higher fee but more benefits than Platinum or Gold cards, including better lounge access and status benefits.
  • General Travel Card Alternatives: If not Delta loyal, cards like Amex Platinum or Chase Sapphire Reserve offer broader rewards and lounge access.
  • Long-Term Value Consideration: First-year value boosted by welcome bonuses and credits; ongoing value depends on frequent use of perks.
  • Retention and Downgrade Strategy: Consider downgrading if benefits do not justify the fee in subsequent years; closing the account may affect credit score.

Frequently Asked Questions (FAQs) – Delta SkyMiles® Reserve American Express Card

1. What is the Delta SkyMiles® Reserve American Express Card?
The Delta SkyMiles® Reserve Card is a premium travel rewards credit card offered by American Express in partnership with Delta Air Lines. It’s designed for frequent Delta flyers and provides elite travel benefits, SkyMiles earning potential, and premium airport lounge access.
2. What are the key benefits of the Delta SkyMiles® Reserve Card?
Some of the standout benefits include:
  • Complimentary access to the Delta Sky Club® and Centurion® Lounge (when flying Delta).
  • Companion Certificate (eligible for First Class, Delta Comfort+, or Main Cabin).
  • MQD (Medallion Qualification Dollars) boost for elite status qualification.
  • First checked bag free and priority boarding on Delta flights.
3. What is the annual fee for this card?
As of 2025, the annual fee for the Delta SkyMiles® Reserve American Express Card is $650. This fee is offset by premium travel perks and rewards for frequent Delta flyers.
4. How does the Companion Certificate work?
Each year after your card renewal, you receive a Domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion ticket. Taxes and fees apply (up to $80). It must be used on a Delta-marketed and operated flight.
5. What kind of rewards can I earn?
Cardholders earn:
  • 3X SkyMiles on Delta purchases.
  • 1X SkyMiles on all other eligible purchases.
Miles can be redeemed for flights, seat upgrades, vacation packages, and more through Delta's SkyMiles program.
6. Does the card help me qualify for Medallion Status?
Yes. The card earns Medallion Qualification Dollars (MQDs) and MQD Headstart, giving you a boost toward Delta’s elite status tiers. You can also earn more MQDs with every $10 spent on the card.
7. Do I get access to airport lounges?
Yes. You receive complimentary access to Delta Sky Club lounges when flying with Delta, plus access to The Centurion Lounge when flying on Delta flights booked with the Reserve Card (terms apply).
8. Is there a welcome bonus?
American Express often offers a welcome offer for new cardholders, such as bonus SkyMiles after spending a certain amount in the first few months. The offer can vary, so check the latest details on Amex’s or Delta’s website.
9. Does the card include travel protections?
Yes. Benefits include Trip Delay Insurance, Baggage Insurance Plan, and Car Rental Loss and Damage Insurance when you use the card to pay for travel (terms apply).
10. Are there any foreign transaction fees?
No. The Delta SkyMiles® Reserve Card does not charge foreign transaction fees, making it ideal for international travelers.
11. What credit score is typically required to qualify?
You generally need good to excellent credit (usually a FICO score of 700 or above) to be approved for the Delta SkyMiles® Reserve American Express Card.
12. Can I transfer SkyMiles to other loyalty programs?
No. Delta SkyMiles are not transferable to other airline or hotel loyalty programs. However, you can use them to book flights with Delta and partner airlines in the SkyTeam alliance.
13. Can I add an authorized user?
Yes, and authorized users receive their own Delta Sky Club access for a fee. They can also help you earn more miles on their purchases, which are pooled into the primary account.
14. Is this card worth it for casual travelers?
The value of the Delta Reserve Card is maximized by frequent Delta flyers who take advantage of lounge access, elite status benefits, and the Companion Certificate. Casual travelers may not get enough value to justify the high annual fee.
15. How do I apply for the Delta SkyMiles® Reserve American Express Card?
You can apply online through the American Express website or through Delta's site. Make sure to review current offers, terms, and conditions before applying.