Last updated: 8/4/2022

Delta SkyMiles Reserve® American Express

Earns: Delta SkyMiles

★★★★★

GigaTake:

If you put this card in your wallet, keep it there. For $550 a year, it gives you lots of Delta perks, including Delta Club access. But when it comes to spending, just about any other American Express Membership Rewards card will rack up miles faster.

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Here’s how much you would earn with this card

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See how the Delta SkyMiles Reserve® American Express compares to other credit cards

Delta SkyMiles Reserve® American Express Other Cards

Rewards

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Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

Welcome Bonus = 50,000

Value = 1 cent per point
Effective Value = $500

$1700

Annual Fee = $550

$695

Welcome Bonus

50,000 Points

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

3x Delta

1x All Other

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

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0.4¢ PER POINT

2¢+ PER POINT

Other Card Information

Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.

Annual Fee

$550

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

Additional perks of owning this card

Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.

Earn 15,000 Medallion® Qualification Miles With Status Boost, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.

Receive a Domestic First Class, Delta Comfort+® or Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.

Waive the MQDs requirement towards Platinum, Gold or Silver Medallion Status if you make at least $25,000 in purchases in that year with your Card from American Express.

Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion(R) Studio Partnerwhen you book your Delta flight with your Reserve Card.

The Fine Print

PURCHASES APR	17.99% – 26.99%
CASH ADVANCE APR	27.49% Variable
CASH ADVANCE FEE	Either $10 or 5% of the amount of each transaction, whichever is greater.
FOREIGN TRANSACTION FEE	0%