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 lounge when you book a Delta flight with your Reserve Card. Beginning February 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 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.

Welcome Offer

Earn 95,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Our Rating

4.5/5.0

Welcome Offer

Earn 95,000 Bonus Miles

Annual Fee

$650

0% Intro on Purchases

N/A

Reward Rate

1x – 3x miles

0% Intro on Balance Transfers

N/A

Welcome Offer

Earn 95,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, Return Guarantees, ShopRunner, 24/7 customer service
Travel PerksAccess 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

1x miles
All eligible purchases
Earn 1X Mile on all other eligible purchases.
3x miles
Delta Purchases
Earn 3X Miles on Delta purchases.

Interest Rates & Fees

Annual Fee$650
Foreign Transaction FeeNone
Regular APR20.99% - 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.

Cell Phone 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.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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 numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 765

Average Approved Credit Score: 773

App StatusDateCredit ScoreBureauCredit Limit
Approved10/06/2022
765
Experian
$15,000
Approved10/06/2022
774
TransUnion
$15,000
Approved10/06/2022
779
Equifax
$15,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 3x miles
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card

Rating

4.5

Rewards Range

2x - 3x Points

Annual Fee

$99

United Gateway℠ Card
United Gateway℠ Card

Rating

4.2

Rewards Range

1x - 2x Miles

Annual Fee

$0

Chase Sapphire Reserve®
Chase Sapphire Reserve®

Rating

4.9

Rewards Range

1x - 10x

Annual Fee

$550

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To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.