Delta SkyMiles® Reserve American Express Card
The card_name is a premium travel card designed for those who fly Delta. You can get a welcome offer and valuable travel perks, including access to American Express Centurion lounges. Beginning February 1, 2025, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club. To earn an unlimited number of Visits each year starting on February 1, 2023, the total eligible purchases on the Card must equal $75,000 or more between January 1, 2024 and December 31, 2024, and each calendar year thereafter. There are a lot of additional Delta-related benefits with this card, but if you don’t have a strong preference for Delta, it’s probably not worth it. We dive into the details and your approval odds in this Delta SkyMiles Reserve review.
Our Rating
4.5/5.0
Welcome Offer
Earn 60,000 bonus miles
Annual Fee
$550
0% on Purchases
N/A
Reward Rate
1x - 3x miles
0% on Balance Transfers
N/A
Welcome Offer
Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | Cell Phone Protection, Extended Warranty Coverage, Purchase Protection, Return Guarantees, ShopRunner, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Free Checked Bags, Airport Lounge Access, Luggage Protection, TSA PreCheck & Global Entry credit |
Rewards
Interest Rates & Fees
| Annual Fee | $550 |
| Foreign Transaction Fee | None |
| Regular APR | 20.99% - 29.99% (V) APR |
Insurance
Trip Delay Insurance
Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Trip Cancellation and Interruption Insurance
The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Premium Global Assist Hotline
You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
Cellphone Insurance
Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Extended Warranty
When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
- 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.
Return Protection
With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
Purchase Protection
Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.
- 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.
Lost Baggage Insurance
Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
- 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.
What Credit Score Is Required to Get the Delta SkyMiles® Reserve American Express Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 10/06/2022 | Experian | ||
| Approved | 10/06/2022 | TransUnion | ||
| Approved | 10/06/2022 | Equifax |
- Welcome offer
- No foreign transaction fee
- Up to 3x miles
- Annual fee
- Requires good credit
What Are the Best Alternatives?
Southwest Rapid Rewards® Premier Credit Card
Rating
4.5
Rewards Range
2x - 3x Points
Annual Fee
$99
United Gateway℠ Card
Rating
4.2
Rewards Range
1x - 2x Miles
Annual Fee
$0
Chase Sapphire Reserve®
Rating
4.9
Rewards Range
1x - 10x
Annual Fee
$550
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