Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card is a premium travel card designed for those who frequently fly Delta. You get a welcome bonus, some nice travel perks, including access to American Express Centurion lounges. American Express Centurion lounges are the gold standard among airport lounges; they usually have excellent food, cocktails, and some even offer complimentary spa services. There are a lot of nice 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.

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Rates & Fees
Terms Apply

Our Rating
4.5/5.0

Welcome Offer
90,000 Miles

Annual Fee
$550

0% on Purchases
None

Rewards Rate
1x - 3x miles

0% on Balance Transfers
None

Rewards

3x miles

Delta Purchases

Earn 3X Miles on Delta purchases.

1x miles

All eligible purchases

Earn 1X Mile on all other eligible purchases.

Welcome Bonus

Earn 90,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months.

Pros & Cons

Pros

• Welcome bonus
• No foreign transaction fee
• Up to 3x miles

Cons

• Annual fee
• Requires good credit

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

Interest Rates & Fees

Annual Fee	$550
Foreign Transaction Fee	None
Regular APR	20.24% - 29.24% (V) APR

What Credit Score Is Required to Get the Delta SkyMiles Reserve

Based on data we’ve collected from public forums, a credit score of 760 or higher is ideal. But keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	10/06/2022	765	Experian	$15,000
Approved	10/06/2022	774	TransUnion	$15,000
Approved	10/06/2022	779	Equifax	$15,000

What Are the Best Alternatives?

Southwest Rapid Rewards® Premier Credit Card

Rating

4.5

Rewards Range

2x - 3x Points

Annual Fee

$99

Read Review

United Gateway(SM) Card

Rating

4.2

Rewards Range

1x - 2x Miles

Annual Fee

$0

Read Review

Chase Sapphire Reserve®

Rating

Rewards Range

1x - 10x

Annual Fee

$550

Read Review

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