A rewards card for big spenders and hardcore Delta flyers.
30-second take
- Get this card if you’re a regular Delta flyer and want accelerated earnings toward SkyMiles Medallion Status
- Pick something else if you want a more flexible travel card or cash back.
- Apply for this card with a good to excellent credit score of 680 or higher.
| Product Name | Delta Reserve® Credit Card from American Express |
|---|---|
| Balance Transfer Rate (not intro) | 17.49% to 26.49% variable |
| APR for Purchases ( Purchase Rate ) | 17.49% to 26.49% variable |
| Annual fee | $450 |
| Cash Advance Rate | 26.99% variable |
| Card Type | American Express |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 25 days |
| Returned Payment Fee | $38 |
| Foreign Currency Conversion Fee (AMEX) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 0% of transaction value |
| Minimum Credit Score | Fair (660-699) |
|---|---|
| Minimum Age | 18 years of age |
| Annual fee | $450 |
|---|---|
| Returned Payment Fee | $38 |
| Over The Credit Line Fee | $0 |
| Late Payment Fee | $38 |
| Cash Advance Fee | $5 or 3% of the amount of each cash advance, whichever is greater |
| Rewards Program | American Express Rewards |
|---|---|
| Bonus Points on Sign-up | 40,000 |
| Rewards Points per $ spent (VISA/MC) | 2 |
| Points Expiry | Never |
The basics
To start, any SkyMiles member who books a flight on Delta can earn 5x miles — even without this card. But using your Delta Reserve® Credit Card from American Express earns you an additional 2x miles — a total 7 miles per dollar on your Delta purchase.
The Delta Reserve® Credit Card from American Express extends 2x miles on other Delta purchases, such as in-flight food and beverages.
If used often, other perks could save you a lot of money. Your first checked bag free, complimentary access to Delta Sky Clubs and 20% off Delta purchases received as a statement credit can add up quickly.
As you might have guessed, the Delta Reserve® Credit Card from American Express is best for regular Delta flyers who spend $30,000 or more annually — and who want the strongest benefits they can get for their loyalty.
How much are SkyMiles® worth?
The value of SkyMiles® varies by the product or service you redeem them for:
- Redeem 35,700 miles for a $250 Delta gift card — or 0.70 cents per mile.
- Redeem 26,900 miles for a two-piece Samsonite Tessera 2 set valued at $129 — or 0.47 cents per mile.
- Redeem 72,800 miles for an iPad 9.7″ valued at $329 — or 0.45 cents per mile.
- Redeem 10,000 miles for round-trip domestic fares starting at $130 — or 1.30 cents per mile.
Be aware that fares require you to pay taxes and fees associated with the tickets. To make the most of your Delta Reserve® Credit Card from American Express, try to redeem your miles for flights only.
The perks
Welcome offer.
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in the first three months your account is open. This is a decent boost if you’re aiming for Medallion Status.
Earn miles.
Delta purchases earn you 2x miles and 1x miles for every other purchase. Redeem miles for flights, seat upgrades, gift cards, shopping and more.
Miles boost.
Spend $30,000 in a calendar year and get 15,000 MQMs and 15,000 bonus miles. Spend another $30,000 to earn 15,000 MQMs and 15,000 bonus miles. For big spenders looking to reach higher Medallion Status tiers, this is the way to go.
Delta Sky Club access.
Get complimentary access to all Delta Sky Clubs and discounted access of $29 for up to two guests. Single-visit passes usually cost $59, so if you visit Delta Sky Clubs once a month, you could save $708 a year with this perk.
First checked bag free.
Save up to $50 round-trip with your card, which waives fees for your first checked bag. This benefit applies to up to nine passengers traveling on your reservation. If you make one round-trip each month, you can save up to $600.
Companion certificate.
Each year you renew your Delta Reserve® Credit Card from American Express, you receive a domestic first-class or main-cabin round-trip companion certificate. This allows you to take a guest on a first-class or main cabin round-trip domestic flight for just the cost of taxes and fees. The companion certificate could easily offset the card’s annual fee.
What are Medallion Qualification Miles?
Medallion Qualification Miles are a way to earn higher Medallion tiers in the Delta SkyMiles® Loyalty Program. You generally earn 1 MQM for each mile in your trip with Delta and its partners, with higher MQM rewards in first and business class.
You can also achieve higher Medallion tiers by collecting Medallion Qualification Segments and Medallion Qualification Dollars.
You’ll also like …
Concierge service.
As a cardholder, you get access to a service that can help you arrange dining, get information about an area you’re traveling to or set up special events.
Priority boarding.
Get on your plane and settle in to your seat earlier with Zone 1 priority boarding.
No foreign transaction fees.
Use your card internationally while traveling without the typical 3% transaction fee other cards charge.
In-flight savings.
Get 20% back in statement credit when you use your card to pay for in-flight food, beverages and audio headsets.
Travel insurance.
Get up to $500,000 in travel coverage, car rental insurance against theft and damage and baggage insurance.
Global assistance.
Get access to medical, legal, financial and other emergency services when traveling more than 100 miles from home.
Purchase protection.
Get a refund on eligible purchases, even if a merchant won’t accept it back, and get protection against damage or theft for your phone or other eligible items.
You’ll find gems among the Delta Sky Clubs
You’ll find superb lounges in Delta Sky Club’s portfolio. Newer lounges include those at Newark Liberty International Airport and Minneapolis–St. Paul International Airport. Consider visiting the Sky Club at the Hartsfield–Jackson Atlanta International Airport, which comes with an open-air Sky Deck.
A single-visit pass to a Delta Sky Club usually costs $59. With the Delta Reserve® Credit Card from American Express, you get complimentary access.
What to watch out for
Annual fee.
The Delta Reserve card comes with an annual fee of $450.
High APR on purchases and balance transfers.
All Delta cards come with relatively high APRs on purchases and balance transfers when compared with other American Express cards. For example, the Delta Reserve® Credit Card from American Express comes with a 17.49% to 26.49% variable APR, while the Amex EveryDay® Credit Card comes with an 14.74% to 25.74% variable APR.
Not widely accepted overseas.
American Express is not as widely accepted outside the States as Visa or Mastercard is, which could limit your payment options when traveling abroad.
Steep penalties for late payments.
Making late or returned payments could cost you a penalty APR as high as 29.99%. You may also incur late and returned payment fees of up to $38.
Consider other cards if …
You don’t fly often on Delta.
If you prefer flying on United Airlines or American Airlines, the United MileagePlus® Club card by Chase or the Citi® / AAdvantage® Executive World Elite™ Mastercard® by Citi may be a better choice. Both cards have a steep $450 annual fee, but they also offer many benefits to frequent flyers that could offset that cost.
You want travel rewards card.
For a more flexible travel rewards card, consider the The Platinum Card® from American Express or the Chase Sapphire Reserve® Credit Card. Both cards come with an annual fee of $450 and let you earn points. But you also get strong travel benefits, like free access to airport lounges, complimentary benefits at selected hotels and more.
You want cash back rewards.
Consider cards like the Citi® Double Cash Card, which offers 2% cash back on all purchases, or the Blue Cash Preferred® Card from American Express, which offers 6% cash back at US supermarkets on up to $6,000 per year and 1% after that, 3% at US gas stations and select department stores and 1% on all other purchases.
Compare other American Express credit cards
What should I know before I apply?
To apply for the Delta Reserve® Credit Card from American Express, you must be:
- At least 18 years old.
- A US resident.
Prepare to provide such information as your:
- Name and address.
- Email and phone number.
- Social Security number and date of birth.
- Annual income and income sources.
What credit score do I need?
The Delta Reserve® Credit Card from American Express is a premium card, which means you’ll have a better chance of approval if you apply with a good to excellent credit score of 680 or higher. Applying with a higher credit score will potentially get you a larger credit line and a lower APR on purchases and balance transfers.
Always consider your options and your financial situation before you apply for a credit card.
What do customers say about the Delta Reserve® Credit Card from American Express?
Customers say they love the opportunity to boost miles, the card’s companion certificate and all the other travel rewards. Still, you’ll find complaints online about ultimately low credit limits, which customers say made reaching Medallion Status difficult. At least one Redditor warns that it’s only great if you spend a lot, given its steep annual fee.
Accredited by the Better Business Bureau since 1948, American Express earns an A+ from the BBB based on its internal criteria that considers a brand’s advertising and transparency in business practices.
How to apply for the Delta Reserve® Credit Card from American Express?
- Visit the American Express website.
- Select the Delta Reserve® Credit Card from American Express from the list of cards. Click Apply now.
- Complete the application form.
- Review the details in your application and submit it.
How long will it take to get my Delta Reserve® Credit Card from American Express?
American Express automates its online conditional approval, which means you could see a decision on your application in minutes. If further verification is needed, it could take a few business days up to a few weeks to get a decision.
After approval, you should receive your new card by mail within 10 business days.
I got the card. Now what?
- Set up autopay. Register for an online account or download the Amex mobile app to pay online. Consider setting up automatic payments, so that you never miss a statement date.
- Avoid paying interest. After the close of each billing cycle, you have a grace period of 25 days to pay your balance. Pay on time to avoid any high penalty APR or fees.
- Avoid paying fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
- Enroll with ShopRunner. The Delta Reserve® Credit Card from American Express is designed for the loyal Delta flyer. But that doesn’t mean you don’t get shopping perks. ShopRunner upgrades orders through more than 100 online retailers to free two-day shipping. If you don’t like what you get, ship it back for free.
- Customer support. Call the American Express customer service at 1-800-528-4800 or chat online with a rep.
Want to earn more SkyMiles?
In addition to the Delta Reserve® Credit Card from American Express, you can apply for the Blue Delta SkyMiles® Credit Card to earn 2x miles at US restaurants. The only Delta card that offers rewards for dining, the Blue Delta SkyMiles® Credit Card comes with no annual fee and its welcome offer is easy to meet.
Bottom line
Travelers who are loyal to Delta should find the Platinum Delta SkyMiles® Credit Card more than adequate. It comes with a generous welcome offer, accelerated earnings toward SkyMiles Medallion Status and travel perks like discounted Delta Sky Club access and a free companion certificate annually.
But if you spend more than $30,000 a year, you might get even higher status with the Delta Reserve® Credit Card from American Express from American Express.
Frequently asked questions
Images: AmericanExpress.com
