|Rewards Rating:||4.3 / 5|
|Annual Percentage Rate:||3.0|
|Issuer Customer Experience||5.0|
In a Nutshell:
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.
Earn 60,000 bonus miles after you spend $5,000 in purchases with your card in your first 6 months.
*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
American Express Customer Service Ratings
Other Notable Features: No foreign transaction fees (See rates and fees), one companion ticket each year, Delta SkyClub access for cardholder and two guests**, concierge services, free checked bag on Delta flights, priority boarding, in-flight promotions, premium travel insurance, trip cancellation/interruption insurance, trip delay insurance, extended warranty, return protection, purchase protection, exclusive events and presales
If you’re a frequent Delta flyer, the upscale Delta SkyMiles Reserve American Express Card will help you climb the Delta Medallion ladder more quickly and claim exclusive benefits, such as unlimited complimentary seat upgrades, free checked baggage on Delta flights and priority boarding.
However, if you’re willing to spend three figures on an annual fee, you may be able to get more value from a super-premium card that offers stronger perks, such as the The Platinum Card® from American Express or the Chase Sapphire Reserve card. You could also enjoy some of the same benefits as the Delta Reserve card – such as priority boarding and waived baggage fees — with a smaller price tag by opting for a lower-tier Delta card such as the Delta SkyMiles® Gold American Express Card.
The Delta Reserve card’s benefits are relatively limited for a card of its caliber and its highest rewards rate isn’t hard to find among other travel cards. But it does offer some exclusive air-travel-related benefits – including a companion seat every year and special treatment for frequent fliers — that could make the card’s $550 upfront fee worth it for certain travelers. The Delta Reserve card’s value also skyrockets the more you spend thanks to its tiered bonus program.
So, if you fly Delta often enough and expect to charge at least $2,500 a month, the premier Delta Reserve could be a good fit. Here’s what to consider if you’re thinking about applying for Delta Reserve card:
Latest welcome offer
You can earn 60,000 bonus miles after you spend $5,000 in your first six months — a 25,000-mile decrease from the card’s previous offer of 85,000 bonus miles after spending $6,000 on your new card in the same amount of time.
Bankrate’s latest airline mile valuations list Delta SkyMiles as worth around 1.3 cents per mile, making the miles from the current bonus worth around $780 in Delta travel. This is a solid value for a travel card, and can offset the card’s annual fee.
Although the current offer doesn’t include MQMs, which are helpful for reaching Medallion Status and its loyalty perks, it’s moderately valuable for its bonus miles. However, this isn’t the best welcome offer that this card has had. If you’re considering the Delta SkyMiles Reserve card, it’s worth noting that welcome offers on this card have been as high as 90,000 bonus miles for the same spending requirement.
A good way to upgrade the quality of your flights
Additional Medallion miles may not appeal to everyone. But if you’re a frequent Delta flier, you know just how valuable those MQMs can be. If you’re just beginning your frequent flier status with Delta, a 5,000-mile boost could help you reach Silver status and qualify for a larger miles bonus each time you fly.
You’ll also receive unlimited free seat upgrades for yourself and one traveling companion, a free checked bag for yourself and up to eight other traveling companions (which is a nice perk for big families), priority check-in and more. The higher the Medallion ladder you climb, the better the benefits will be. For example, Platinum Medallion members get a free voucher for Global Entry status so they can zip through security lines more quickly, a $200 Delta gift card and a $200 gift card for the luxury jeweler Tiffany & Co.
Just a handful of high-value perks
The Delta Reserve card doesn’t offer a ton of high-value perks on its own, though, which can make it tough for this card to compete with similar cards with equally high annual fees. The Reserve card’s most valuable benefit is the Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate that cardholders receive each year. Depending on where in the United States you fly (the ticket must be domestic) that perk alone could be worth several hundred dollars, wiping out the cost of the annual fee.
If you’re a frequent Delta traveler who’s just looking for a card to help you upgrade your Medallion status, the card’s companion certificate could make the card’s high annual fee worth it since you’ll essentially be earning that money back each time you renew your card. In addition, Delta cardholders get free access to Delta Sky Club** and a lower entry rate of $50 per person per visit for up to two traveling companions on Delta flights.
The Delta SkyMiles Reserve American Express Card also offers a fee credit for Global Entry or TSA PreCheck, as well as complimentary Delta Sky Club when traveling on a Delta flight and complimentary Centurion Lounge access when you book your Delta flight with your card.
While not quite as impressive as the Chase Sapphire Reserve card – which offers a $300 annual travel credit every year that you can also use for airplane tickets, up to a $100 fee credit for Global Entry or TSA PreCheck and doesn’t charge your traveling companions for lounge access – these perks are quite respectable and help justify the high annual fee.
Other cards to consider include the The Platinum Card® from American Express, which offers comparably lush perks, plus access to a wider selection of airport lounges, up to $200 worth of Uber Cash annually (for U.S. rides and eats) and up to $200 in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel (when you pay with your Platinum Card; minimum two-night stay required). The Citi Prestige® Card* offers a fourth night free hotel benefit that can add up to thousands of dollars’ worth of savings for heavy travelers.
The Delta Reserve card’s rewards program is also fairly limited. Cardholders earn 3 miles for every dollar spent on Delta purchases and 1 mile for every dollar spent on general purchases. The American Express Platinum card, by contrast, awards 5 points for every dollar spent on flights booked directly with airlines or with American Express Travel (earn 5 points per dollar on up to $500,000 on these purchases per calendar year) and 5 points for every dollar spent on prepaid hotels booked with American Express Travel.
With such a low rewards rate, it could be tough for you to rack up enough miles to earn a significant number of free flights. As you climb the Delta Medallion ladder, you’ll earn more miles for Delta purchases. But you may have a hard time justifying using this card for everyday purchases – particularly since there are so many other cards available that award significantly more points for popular purchases, such as gas, restaurants and groceries. You don’t even have to pay an annual fee, for example, to earn 1.5 miles on every purchase, or 2% cash back, depending on the card.
Best for heavy spenders
Not using this card for everyday spending could also limit the value of your Delta Reserve card since it heavily favors big spenders. American Express has set up a tiered rewards system that provides the most value for cardholders who charge at least $30,000 to their cards, thus raking extra Medallion Qualification miles. If you only use your card to pay for flights, you may not be able to meet that relatively high threshold – unless you fly several times a month and regularly charge more than two thousand dollars a month on travel.
To get the most out of this card, you need to be a loyal Delta flier who strongly values the extra perks that being a Delta Medallion member can provide.
Delta Reserve vs. Amex Platinum
Even if you’re a Delta loyalist, the Delta Reserve may not be the best fit for you. Depending on your priorities, The Platinum Card from American Express could offer more flexibility and long-term value. Here’s how the two compare.
To start, the Amex Platinum offers a higher rewards rate not only on Delta purchases, but also on airline and hotel purchases: You’ll earn 5 points per dollar on purchases made directly with the airline or with American Express Travel (on up to $500,000 on these purchases per calendar year), 5 points per dollar on prepaid hotels booked with American Express Travel, and 1 point per dollar on other purchases. As a reminder, the Delta Reserve only offers 3 points per dollar on Delta purchases and 1 point per dollar on other purchases.
Here’s a quick breakdown of the value of each card, based on our estimates of the average cardholder’s spending and Bankrate’s valuations of Membership Rewards and Delta SkyMiles:
|Card||Welcome bonus||Average rewards earned||Annual fee||Total earned|
(minus annual fee)
|Delta SkyMiles Reserve American Express Card||60,000 miles (after spending $5,000 in first six months) * 1.3 cents / mile = $780||$15,900 * 1.04 miles / dollar * 1.3 cents / mile = $215||$550||$445|
|The Platinum Card from American Express||80,000 points (after spending $8,000 in first 6 months) * 2.1 cents / mile = $1,680||$15,900 * 1.24 miles / dollar * 2.1 cents / mile = $414||$695||$1,399|
Based on its current welcome bonus, the Amex Platinum beats the Delta SkyMiles Reserve card in both short- and long-term value. Not only is the current Amex Platinum card bonus worth more than the Delta Reserve card’s, but the Amex Platinum card’s higher average ongoing rewards rate also gives it an edge after the first year, especially if you also take advantage of its many perks to help offset the higher annual fee.
Amex Membership Rewards are also much more flexible than Delta SkyMiles. While you can only use Delta SkyMiles with Delta or one of its SkyTeam partner airlines, you can transfer Membership Rewards to a number of Amex transfer partners and, in some cases, squeeze extra value out of your points. You can even transfer to Delta at a 1:1 ratio if that’s your focus.
That said, the Delta Reserve stands out with its Delta-specific perks. While the Amex Platinum gets you access to Delta Sky Club lounges when you fly with the airline, the card is otherwise thin on Delta-specific benefits. The Delta Reserve, on the other hand, offers free checked bag benefits, priority boarding, a companion certificate on your account anniversary, in-flight discounts, and a chance to earn elite status.
Our verdict: If you want to maximize your rewards and enjoy more flexible redemption, you should definitely consider the Amex Platinum. You can always transfer points to Delta if needed and will still enjoy generous lounge access and other luxury travel perks. If you want to both maximize first-year value and see more long-term value in Delta perks (especially the annual companion certificate) and you’re willing to keep your rewards locked to Delta and its partner airlines, the Delta Reserve may be a better fit.
Why get the Delta SkyMiles Reserve American Express Card?
- You frequently fly Delta and want to boost your Medallion status.
- You care more about flight-specific benefits – such as priority boarding and free seat upgrades – than other travel perks.
- You plan to fly at least once round-trip per year with a companion and so would benefit from the card’s annual companion certificate.
How to use the Delta SkyMiles Reserve American Express Card:
- Maximize your savings by using your card for all your Delta purchases as well as for general purchases that don’t earn a higher bonus on other cards.
- Spend at least $5,000 in the card’s first six months to capture the introductory bonus.
For rates and fees of the Delta Reserve card, please click here.For rates and fees of the Platinum Card from American Express, please click here. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
*All information about the Citi Prestige Card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.
**Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective Feb. 1, 2025, 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 Feb. 1, 2025, the total eligible purchases on the Card must equal $75,000 or more between Jan. 1, 2024 and Dec. 31, 2024, and each calendar year thereafter.
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