Delta Reserve for Business Credit Card review

Published: October 15, 2019

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Published: October 15, 2019

Partner Offer

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Ratings Policy
Business Rating:
4.4 rating
4.4 rating
4.4 / 5
Rewards Value 4.6
Annual Percentage Rate 0.2
Rewards Flexibility 4.1
Features 3.8
Customer Experience 4.6

In a Nutshell:

The Delta Reserve for Business card helps cardholders earn elite status faster while offering a big introductory bonus, access to Delta Sky Clubs and more.

Learn more about this card

Rewards Rate

  • 2 miles per dollar on direct Delta purchases
  • 1 mile per dollar on other purchases
  • See rates and fees

Introductory Bonus

  • 40,000 miles and 10,000 Medallion Qualification Miles if you spend $3,000 in first 3 months

Annual Fee
$450 ($550 if application is received on or after 1/30/2020)
(see rates and fees)

Average Yearly Rewards Value ($4,000 monthly spend)

17.49-26.49% (variable) (See rates and fees)

Rewards Redemption

  • Miles never expire
  • No blackout dates on Delta flights
  • Use miles for airfare on Delta and Delta partners, hotel, car rental, gift cards, limited merchandise and experiences
  • Miles + cash option is available on some flights
  • You may be able to use miles to upgrade
  • One-way flights allowed


  • Fuel surcharges can be high on international flights
  • No award chart
  • $25 for phone bookings, $35 for ticket office bookings (See rates and fees)
  • No stopovers or open-jaw tickets

Customer Experience

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, roadside assistance, car rental insurance, travel accident insurance, n extended warranty, purchase protection, ticket presales and VIP events, car purchase discounts, discounts on travel packages,  return protection, ShopRunner service

If you’re a frequent Delta flyer who pursues elite status with the airline, the Delta Reserve for Business Credit Card could be an ideal addition for your wallet. Not only do you get 40,000 bonus miles after you spend $3,000 on your card within three months of account opening, but you also get 10,000 Medallion Qualification Miles (MQMs) for reaching that threshold.

If you want to reach status even faster, you can earn 15,000 MQMs and 15,000 bonus miles after you spend $30,000 on purchases on your Delta Reserve for Business card in a calendar year. Further, you can also earn an additional 15,000 MQMs and an additional 15,000 bonus miles after you spend $60,000 on purchases on your Delta Reserve card in a calendar year.

Low rewards rate

You earn 2 miles per dollar on purchases with Delta and 1 mile per dollar on other purchases with the Delta Reserve card, which is not a great rate of return. When you consider that the Delta Reserve card comes with a $450 annual fee that is not waived the first year ($550 if application is received on or after 1/30/2020), it’s easy to see why some might see this card as a poor value when it comes to racking up miles for the long haul.

The introductory bonus is not impressive

And really, the 40,000-mile introductory bonus isn’t that great considering the card’s high annual fee. There are other cobranded Delta cards that offer nearly as many miles with a much lower fee or even no annual fee the first year. Also, many other airline credit cards for businesses offer 50,000 miles or more in their initial offer, which may make them a better deal for 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 a free 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 Clubs with the option to pay $29 per person for up to two guests. If you purchased this same type of 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 in-flight purchases in the form of a statement credit.

Valuable benefits for frequent travelers

Frequent flyers can also count on valuable travel benefits, including baggage insurance, car rental insurance, travel assistance, travel accident 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, car purchase discounts and more.

Business owners get special perks

The Delta Reserve for Business 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 Reserve for Business 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 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.

 How to use Delta Reserve for Business card:

  • Use your card for all your Delta purchases to earn 2 miles per dollar.
  • Spend at least $3,000 on the card in the first three months to earn the introductory bonus.
  • Get free employee cards so you can earn miles on all your business purchases.

For rates and fees of the Delta Reserve for Business card, please click here.

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