Delta SkyMiles® Reserve Business American Express Card

The card_name is a travel card designed for people who fly often and are loyal to Delta. For the annual $550 fee, you get several travel perks, such as checking your first bag for free and priority boarding. For those that aren't loyal to Delta, a more general travel card may be a better choice. We dive into the details in this Delta SkyMiles review.

Our Rating
4.2/5.0

Welcome Offer
Earn 70,000 Bonus Miles

Annual Fee
$550

0% on Purchases
N/A

Reward Rate
1X to 3X Miles

0% on Balance Transfers
N/A

Welcome Offer

Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Free Checked Bags, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Trip Cancellation Insurance, TSA PreCheck & Global Entry credit

Rewards

1x miles
On all other eligible purchases
1X miles on other purchases made using the Delta SkyMiles® Reserve Business Card.
1.5x miles
All eligible purchases
1.5X miles per dollar after you spend $150,000 on your Card in a calendar year.
3x miles
Delta Purchases
3X miles on every dollar spent on purchases made directly with Delta.

Interest Rates & Fees

Annual Fee$550
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.

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 Business 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 StatusDateCredit ScoreBureauCredit Limit
Approved09/08/2021
750
Experian
$60,000
Approved09/08/2021
750
TransUnion
$60,000
Approved09/08/2021
765
Equifax
$60,000
Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 3X miles
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Reserve®
Chase Sapphire Reserve®

Rating

4.9

Rewards Range

1x - 10x

Annual Fee

$550

The Platinum Card® from American Express
The Platinum Card® from American Express

Rating

4.5

Rewards Range

1x - 5x points

Annual Fee

$695

Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card

Rating

4.9

Rewards Range

2x - 10x

Annual Fee

$395

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