Are you in the market for a new card and considering the Delta SkyMiles® Reserve American Express Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to other cards on the market.
First, let's cover the basics. In reviewing the card, we rated it a 4.6 out of 5.0, which means that like many other cards, we found the Delta SkyMiles® Reserve American Express Card to have some solid benefits and some possible drawbacks.
This card doesn't offer much in terms of purchase rewards, but it does unlock access to airport lounges around the world and a free flight companion certificate every year you renew your card membership. This card is generally only worth it if you fly often, and Delta is your preferred airline.
Next up, let's dive into the details you should consider before applying. Here's a rundown of the card's key features, rates, and terms:
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- Earn 90,000 Bonus Miles after you spend $6,000 in purchases on your new card in your first 6 months of ownership
- Earn 15,000 Medallion Qualification Miles after you spend $30,000 in purchases on your card, up to 4 times/year
- Earn 3X miles on Delta purchases made directly with Delta -- all other purchases earn 1 mile per $1
- Complimentary access to The Centurion Lounge and the Delta Sky Club® plus two Delta Sky Club One-Time Guest Passes each year
- Receive a domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion certificate each year upon renewal of your Delta SkyMiles Reserve American Express card
- As a benefit of Card Membership, you can check your first bag free on Delta flights booked with your card. You can save up to $60 on a round-trip Delta flight per person.
- Fee Credit for Global Entry or TSA Precheck®
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
- $550 Annual Fee
20.24% - 29.24% (Variable)
There's certainly a lot to like about the Delta SkyMiles® Reserve American Express Card. But just like with other cards we review, we stress that potential applicants should pay attention to this card's rates and fees as part of the bigger overall picture.
Let's dive deeper into those rates and fees, as they could make or break whether owning the card makes sense for you and your financial situation.
The interest rate, also known as APR (annual percentage rate), tells you what percentage of your balance you can expect to pay in interest annually if you carry a balance.
According to the issuer, the Delta SkyMiles® Reserve American Express Card currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: N/A
- Regular APR: 20.24% - 29.24% (Variable)
Another possible expense to consider is the annual fee, which is the amount a cardholder is required to pay each year for the privilege of owning a particular card.
Here's the annual fee for the Delta SkyMiles® Reserve American Express Card as listed by the issuer:
See site for details »
So far, we've covered the Delta SkyMiles® Reserve American Express Card in great detail, from its many benefits to its current rates and fees. But what are your odds of approval? What credit score is needed to become a cardholder?
According to the issuer, the current general credit history requirement for the card is:
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the card is offering today, you may want to apply now to lock it in its current terms before it's too late.
We've discussed the many benefits, drawbacks, and requirements of the Delta SkyMiles® Reserve American Express Card, but how does it rank versus similar cards on the market? Below are all the category-specific ratings our team gives the card, along with the card's ranking within each category.
Quick hint: Want to see our best-reviewed cards in each category? Simply click the category name to see our top picks:
All told, our team's review of the Delta SkyMiles® Reserve American Express Card resulted in a rating of 4.6 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks. If you determine that it's a fit for your needs, you may want to apply soon, as terms throughout the industry change regularly.
We hope our guide has been helpful in learning all you need to know about the Delta SkyMiles® Reserve American Express Card. We wish you the very best on your financial journey!
Are you ready to apply for the Delta SkyMiles® Reserve American Express Card offer? Be sure to read up on all of its terms and details first, then apply via the provider’s secure website:
If you’d like to keep researching, you may want to try one of our popular guides to the top offers available. We break down a variety of offers, including many similar to Delta SkyMiles® Reserve American Express Card:
Whether you decide on Delta SkyMiles® Reserve American Express Card or another option, be sure to make all your payments on time and keep your balance below the credit limit.