|Business Rating:||4.7 / 5|
|Annual Percentage Rate||4.0|
|Issuer Customer Experience||5.0|
In a Nutshell:
The Delta SkyMiles Reserve Business American Express Card helps cardholders earn elite status faster while offering a big introductory offer, access to Delta Sky Clubs and more.
70,000 bonus miles after spending $5,000 on your new card in the first three months of card membership
American Express Customer Service Ratings
Other Notable Features: Complimentary Delta Sky Club access*, annual companion certificate, free checked bag, priority boarding, 20% discount on in-flight items, no foreign transaction fee (See rates and fees), concierge services, no fee for employee cards (See rates and fees), account alerts, extra savings on eligible business purchases, mobile payment app, online business forum, car rental insurance, trip cancellation/interruption insurance, trip delay insurance, extended warranty, purchase protection, ticket presales and VIP events, car purchase discounts, discounts on travel packages, return protection, ShopRunner service (enrollment required)
*You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *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.
If you’re a frequent Delta flyer who pursues elite status with the airline, the Delta SkyMiles Reserve Business American Express Card could be an ideal addition to your wallet. Its welcome offer can get you plenty of miles to start and you can also earn 15,000 MQMs** after you spend $30,000 on purchases on your Delta SkyMiles Reserve Business card in a calendar year, up to four times per year.
Decent rewards rate
You’ll earn 3 miles per dollar on eligible purchases made directly with Delta and 1 mile per dollar on other purchases with the Delta SkyMiles Reserve Business card, which is a fair, but not terrific, rate of return. After you spend $150,000 in a calendar year, you’ll also earn 1.5 miles per dollar on all purchases for the rest of the year (Delta spending still earns 3 miles per dollar). General spending below the $150,000 threshold earns a meager rate of 1 mile per dollar.
New welcome bonus
The Delta SkyMiles Reserve Business card recently updated its welcome bonus, and while the new offer is less valuable, it’s a bit easier to earn.
You can now earn 70,000 bonus miles after spending $5,000 on your new card in the first three months of card membership. That’s down from the card’s previous welcome bonus, a limited-time offer of 100,000 bonus miles after a $12,000 spend in the first six months of card membership (plus an additional 10,000 miles with a Delta purchase in the first six months).
Bankrate’s latest airline mile valuations give Delta SkyMiles a value of 1.2 cents per mile on average, so we estimate the current offer is worth around $840 in travel with Delta. While that’s a steep downgrade from the card’s previous offer, it’s still enough value to offset your annual fee for at least the first year.
The best airline perks of any Delta business card
While the rewards structure for this card isn’t overly exciting, some of the card’s perks may make up for it. For starters, being a cardholder qualifies you for an annual companion certificate you can use to score free airfare for a guest when you pay for your own flight.
You’ll also get complimentary access to Delta Sky Club* when you book your Delta flight with the Reserve card, with two one-time guest passes each year. You’ll also enjoy access to prestigious Centurion Lounges when flying on a same-day Delta-marketed or operated flight booked with your Delta SkyMiles Reserve card. If you purchased a Sky Club membership outright, you would need to pay $495 or 45,000 Delta miles.
The card also entitles you to a number of other perks on Delta airlines, including a free checked bag on Delta flights, priority boarding and 20 percent off eligible in-flight purchases in the form of a statement credit.
*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. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
Valuable benefits for frequent travelers
Frequent flyers can also count on valuable travel benefits, including baggage insurance, trip delay insurance, car rental insurance and no foreign transaction fees. Also, the American Express concierge is available to help you with nearly any task from assisting you with restaurant reservations to arranging the details for an upcoming event.
The card also includes the usual run of American Express benefits, including extended warranties, return protection, purchase protection, presale tickets, access to special VIP events, free roadside assistance, a ShopRunner membership (enrollment required), car purchase discounts and more.
Business owners get special perks
The Delta SkyMiles Reserve Business American Express Card offers several benefits specifically for business owners. Once you sign up for online account management for your American Express card, you’ll get access to tracking tools that help you manage and categorize business purchases. You get free employee cards and you’ll have the ability to set up individual spending limits for each card. You’ll also have the ability to manage receipts, set up account alerts and designate an account manager online.
The Delta SkyMiles program can be valuable, but not always
One of the biggest downsides of the Delta SkyMiles program is the fact it doesn’t come with an award chart. As a result, it’s difficult to predict how many miles a flight will cost and to save up for a specific redemption. Another downside is the fact that Delta charges $25 to make award bookings on the phone and $35 to make a booking in a Delta ticket office.
You may also be dismayed to find that you cannot book flights with a stopover using Delta SkyMiles. Delta doesn’t allow open-jaw flights either, although you can create a similar itinerary by booking two one-way flights. Also, keep in mind that fuel surcharges on some international Delta flights often cost hundreds of dollars.
While Delta SkyMiles isn’t perfect, there’s still plenty to celebrate. For example, Delta makes it possible to exercise its “Miles + Cash” option for some of its flights. You can also redeem miles for airfare on Delta and Delta partners, and you have a variety of other redemption options, including hotels, car rentals, gift cards, merchandise and special experiences (though the value is poor for most of these options).
Delta miles never expire either, which means you can earn miles without having to worry about when you can use them.
Why get the Delta SkyMiles Reserve Business American Express Card?
- You plan to purchase a Delta Sky Miles membership anyway, and this offer will give you a membership plus bonus miles and other perks.
- You want Centurion Lounge access.
- You plan to pursue elite status with Delta this year but need some help to get there.
- You spend a lot on Delta flights each year and outside of Delta.
How to use Delta SkyMiles Reserve Business American Express Card:
- Use your card for all your Delta purchases to earn 3 miles per dollar.
- Spend at least $5,000 on the card in the first three months to earn the introductory bonus.
- Spend $30,000 or more in a calendar year to earn an additional 15,000 MQMs** (up to four times per year).
- Spend more than $150,000 on non-Delta purchases to boost your rewards rate to 1.5 miles per dollar on eligible purchases.
- Get free employee cards so you can earn miles on all your business purchases
For rates and fees of the Delta SkyMiles Reserve Business American Express Card, please click here.
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**With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*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.
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