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The 6 Best Credit Cards for Delta Sky Club Lounge Access [2023]

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One of the best perks of holding an airline co-branded credit card is the complimentary lounge access that comes along with it. That way, instead of enduring the chaos that is most airport terminals, you can kick back and relax before your flight in a quiet space while enjoying free food and drinks.

While there is no shortage of airport lounge networks, if you’re a Delta frequent flyer, you’ll likely want to make certain you have access to Delta Sky Clubs due to their proximity to the gates you’re likely to fly out of. Of course, you have many options when it comes to secure access to Delta Sky Clubs, including just purchasing access.

However, in our view, the best way is to utilize one of the many great credit card options.

Today, we’ll take a look at the ins and outs of the best credit cards that provide Delta Sky Club access.

Best Credit Cards With Delta Sky Club Access (Overview)

Before we break down the specific details of each card, here is a quick look at all 6 cards that offer Delta Sky Club access:

SCROLL FOR MORE
Credit CardAnnual FeeLounge Access
The Platinum Card® from American Express$695 (rates & fees)Delta Sky Clubs when flying Delta, plus over 1,400 airport lounges worldwide
The Business Platinum Card® from American Express$695 (rates & fees)
Delta SkyMiles® Reserve American Express Card*$550 (rates & fees)Delta Sky Clubs and Amex Centurion Lounges when flying Delta
Delta SkyMiles® Reserve Business American Express Card*$550 (rates & fees)
Delta SkyMiles® Platinum American Express Card**$250 (rates & fees)Per-visit rate of $50 per person
Delta SkyMiles® Platinum Business American Express Card**$250 (rates & fees)

*Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

**Effective 1/1/24, this benefit will no longer be available.

The 3 Best Personal Cards With Delta Sky Club Access

1. The Platinum Card® from American Express (Top Pick)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
  • 5x points per $1 spent on prepaid hotels booked with American Express Travel
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

When it comes to airport lounge access, there is simply no card better than the Amex Platinum card. Not only does the Amex Platinum card offer you access to Delta Sky Clubs when you’re flying on a Delta-operated flight, but you also receive access to Amex Centurion Lounges, Priority Pass Select lounges (upon enrollment), Plaza Premium Lounges, Escape Lounges – The Centurion Studio Partner, select Virgin Clubhouses, and select Lufthansa Lounges. That is 7 different lounge networks comprising over 1,400 lounges worldwide.

While you’re not able to bring traveling companions into the Delta Sky Club with you, adding a loved one as an authorized user on your card entitles them to all of the same lounge access that you receive as the primary cardholder. Authorized user Amex Platinum cards do cost $195 per person, but that is far less expensive than the annual fee (rates & fees).

The Amex Platinum card is far more than just a great card for lounge access, though. It also offers great benefits such as annual statement credits for Uber and hotel stays, hotel elite status with Hilton Honors and Marriott Bonvoy upon enrollment, access to the Amex Fine Hotels and Resorts program, and access to the American Express transfer partners.

2. Delta SkyMiles® Reserve American Express Card (Best Delta Card Option)

BEST FOR DELTA LOUNGES
Delta SkyMiles® Reserve American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Reserve American Express Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Learn More(at Amex's secure site)

Delta SkyMiles® Reserve American Express Card

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.
Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
60,000 miles
$720
$550
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its lounge access, status boost, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

Pros

  • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • 3x SkyMiles per $1 on Delta purchases
  • 1x SkyMile per $1 on all other purchases
  • Complimentary Delta Sky Club and Amex Centurion Lounge access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Delta Status Boost
  • Medallion Qualification Dollar (MQD) Waiver
  • Annual Companion Certificate
  • Access to Complimentary Upgrades and Upgrade Priority
  • Free checked bags
  • 20% back on inflight purchases
  • Global Entry or TSA PreCheck application fee statement credit
  • Travel and purchase protection

Cons

  • $550 annual fee (rates and fees)
  • No bonus categories other than Delta purchases
  • Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
  • Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, 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. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
  • Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $550 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta SkyMiles Airline Loyalty Program

The Delta Reserve card is the top offering when it comes to Delta’s co-branded cards, and it too offers complimentary Delta Sky Club and Amex Centurion Lounge access when flying on a Delta-operated flight.

If you’re traveling with friends or family, you can guest them into the lounge with you for a fee of $50 per person, or you can apply 1 of your 2 single-visit guest passes you receive each year as a perk of holding the card.

In addition to lounge access, the Delta Reserve card includes a slew of benefits that are very helpful for frequent Delta flyers. These include an annual companion certificate (for up to a domestic first class ticket), upgrade priority over other flyers with the same status level as you, a free checked bag for you and up to 8 companions, 20% back on inflight purchases, and the ability to fast-track your elite status hunt through a Medallion Qualifying Mile Status Boost and/or Medallion Qualifying Dollar waiver after meeting spend thresholds.

3. Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Platinum American Express Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Learn More(at Amex's secure site)

Delta SkyMiles® Platinum American Express Card

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
50,000 bonus miles
$600
$250
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Platinum American Express Card can be a great option for those seeking additional ways to obtain a higher level of status — or to maintain their current status — with the airline.

A key feature of this card is the ability to earn bonus Medallion Qualification Miles (MQMs) that are essential for earning Delta status. This could help you get closer to earning free flights and other valuable rewards.

Pros

  • New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • 3x SkyMiles per $1 spent on Delta purchases
  • 3x SkyMiles per $1 spent on purchases made directly with hotels
  • 2x SkyMiles per $1 spent at restaurants and U.S. supermarkets
  • 1x SkyMile per $1 spent on all other purchases
  • Annual companion certificate
  • Complimentary checked bags
  • Global Entry or TSA PreCheck application fee statement credit
  • 20% back on inflight purchases
  • Delta Status Boost
  • Discount on Delta Sky Club visits (Effective 1/1/24, this benefit will no longer be available)

Cons

  • $250 annual fee (rates & fees)
  • Does not earn transferable rewards
  • Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
  • Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta Air Lines SkyMiles

While the Delta Platinum card has the lowest annual fee of the 3, it also doesn’t offer full Delta Sky Club access as the other 2 cards do. Instead, cardholders can get Delta Sky Club access at $50 per person for you and up to 2 guests. Effective 1/1/24, this benefit will no longer be available.

That said, the card can still be a great option for Delta flyers thanks to the perks it offers. These include an annual companion certificate (up to a domestic main cabin ticket), a free checked bag for you and up to 8 companions, 20% back on inflight purchases, and the Delta Status Boost that lets you earn 10,000 Medallion Qualification Miles after you spend $25,000 in purchases in a calendar year.

Bottom Line: If you think you’ll be visiting Delta Sky Clubs with any sort of regularity throughout the year, you’d likely be much better off opting for the Amex Platinum card or Delta Reserve card, as even at the rate of $50 per visit you will exceed the annual fee you’d pay for the Delta Reserve card after 6 visits to a Sky Club in addition to the Delta Platinum card’s annual fee. 

The 3 Best Business Cards With Delta Sky Club Access

For business owners looking to score Delta Sky Club access, your card options are simply the business versions of each card listed above. While the business versions are largely similar to their personal counterparts, there are some differences with each product.

1. The Business Platinum Card® from American Express

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

You’ll receive the same airport lounge access on the Amex Business Platinum card as you do with the personal version, including access to Delta Sky Clubs when flying on a Delta-operated flight.

Benefits of the Amex Business Platinum card that differentiate it from the personal version include up to $400 in annual Dell credit, up to $360 Indeed credit, up to $150 Adobe credit, and up to a $120 wireless phone credit. Further, it comes with a 35% points rebate when using Pay With Points, which allows you to redeem your points for any business class flight — and economy flights with your chosen airline — at a rate of 1.54 cents per point.

2. Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Learn More(at Amex's secure site)

Delta SkyMiles® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
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.
70,000 miles
$840
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros

  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • Complimentary Delta Sky Club access when flying Delta and 2 Delta Sky Club 1-time guest passes (through February 1, 2025)
  • Complimentary Amex Centurion Lounge access when flying Delta
  • Access to complimentary flight upgrades

Cons

  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
  • Rewards are not transferable
  • 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.
  • Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
  • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
  • Enjoy 3x miles per dollar on Delta purchases.
  • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, 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.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
  • Terms and limitations apply.

Financial Snapshot

  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

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Rewards Center

Delta SkyMiles Frequent Flyer Program

As with the personal version, the Delta Reserve Business card offers complimentary access to Delta Sky Clubs and Amex Centurion Lounges when you are flying with Delta. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.

Other great card perks include an annual domestic companion certificate (first class eligible), complimentary upgrades, priority boarding, free checked bags, Delta Status Boost, and 20% back on inflight purchases.

3. Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Platinum Business American Express Card

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Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

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Delta SkyMiles® Platinum Business American Express Card

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
60,000 miles
$720
$250
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a small business owner and frequent Delta flyer, the Delta SkyMiles® Platinum Business American Express Card is your go-to credit card.

You like knowing you’re earning double the SkyMiles for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag each flight only sweeten the deal.

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Pros

  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • 3x SkyMiles per $1 spent on Delta and hotel purchases
  • 1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to 50,000 additional SkyMiles per calendar year
  • 1x SkyMile per $1 on all other purchases
  • Main Cabin 1 Priority Boarding
  • Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x 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. Effective 1/1/24, this benefit will no longer be available
  • First checked bag free
  • Annual companion certificate
  • 20% discount on inflight purchases
  • Reduced Delta Sky Club visit rate. Effective 1/1/24, this benefit will no longer be available
  • Global Entry or TSA PreCheck application fee statement credit
  • Trip delay insurance
  • Baggage insurance
  • Rental car insurance
  • Purchase protection and extended warranty coverage

Cons

  • Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per Calendar year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
  • Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x 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. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
  • Terms and limitations apply.

Financial Snapshot

  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

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Delta Air Lines SkyMiles Frequent Flyer Program

Once again, your Delta Sky Club benefits with the Delta Platinum Business card are the same as the personal version, allowing you to visit Delta Sky Clubs for a $50 fee. Effective 1/1/24, this benefit will no longer be available.

The card also offers priority boarding, free checked bags, an annual domestic companion certificate (up to Main Cabin tickets), and a discount on inflight purchases.

Bottom Line:If you only plan to visit a Delta Sky Club a couple of times each year, then you could be better off opting for the less expensive Delta Platinum Business card and paying the $50 fee. On the other hand, if you travel relatively frequently you’d likely fare much better by holding the Amex Business Platinum card or the Delta Reserve Business card. 

Other Ways To Access Delta Sky Clubs

Aside from credit cards, here’s a look at the other ways you can access Delta Sky Clubs.

Paid Membership

Delta sells memberships to its network of Delta Sky Clubs. There are 2 annual membership options: the individual membership is $695 (annually) or 69,500 miles, includes unlimited access for the member, and allows you to bring up to 2 guests at $39 per person.

The executive membership costs $1,495 (annually) or 149,500 miles and includes unlimited access for you and up to 2 traveling companions.

However, in our view, paying $695 to $1,495 for a membership makes little sense when you can get Delta Sky Club access for the $550 annual fee on both versions of the Delta Reserve card. Plus, you’ll receive all of the added perks the card offers, as well, such as free checked bags, priority boarding, and more.

Delta Elite Status

Those who achieve Delta Diamond Medallion Elite status, the airline’s top status level, receive 3 Choice Benefits they can use on perks such as bonus miles and upgrade certificates. Delta will also allow you to redeem 1 of your 3 Choice Benefits on an Individual Delta Sky Club Membership, or 3 selections for an Executive Membership.

Again, given that you can easily receive Delta Sky Club access by holding the right credit card, we think you’d be much better off holding the right card and redeeming your Choice Benefits on perks that can provide you with more value, such as Global Upgrade Certificates or bonus miles.

International Business Class Ticket

If you’re traveling in Delta One, or in business class on one of the carrier’s SkyTeam partners, you’ll automatically receive Delta Sky Club access so long as it is an international itinerary to Africa, Asia, Canada, Central America, Europe, Mexico, or South America.

Keep in mind that, on Delta flights, you’ll only receive access if you are flying in Delta One. This should not be confused with Delta’s first class which operates on many domestic and short-haul international itineraries.

For instance, even though a flight from New York to Toronto is an international flight, Delta does not operate Delta One on this route, and therefore you would not receive Delta Sky Club access for purchasing a first-class ticket.

Final Thoughts

Everyone loves airport lounge access, as it makes one of the frustrating aspects of travel — waiting around — a lot more tolerable. If you’ve got your eyes set on having Delta Sky Club access when you fly, there really is no better (or easier) way than holding the right credit card.

Fortunately, these cards offer more than just lounge access — they also allow you to improve your flight experience, save some cash, and earn more miles as well.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

Does the American Express® Gold Card or Delta SkyMiles® Gold American Express Card get you into the Delta Sky Club?

Unfortunately, neither the Amex Gold card nor the Delta Gold card allows you to enter the Delta Sky Club. You must have either the Amex Platinum card, Delta Reserve card, Delta Platinum card, or the business version of one of those cards.

Does the Amex Platinum card get you into the Delta Sky Club?

Yes, the Amex Platinum card gets you into Delta Sky Clubs as long as you are flying on a Delta-operated flight.

Which Delta card gives you access to the Delta Sky Club?

Both the Delta Reserve card and Delta Reserve Business card give you full access to the Delta Sky Club, along with 2 single-visit passes each year and the ability to bring guests for a $50 per person fee.

Additionally, the Delta Platinum card and Delta Platinum Business card allow you to access the Delta Sky Club but require that you pay a fee of $50 per visit.

Do you get Delta Sky Club access with a first class ticket?

You will receive Delta Sky Club access if you’re flying on an international long-haul ticket in Delta One (not standard first class) or in long-haul international business class on one of the airline’s SkyTeam partners.

How can you get free Delta Sky Club access?

In our opinion, the easiest and best way to get Delta Sky Club access is through a credit card that offers complimentary access as a card perk, such as the Amex Platinum card or the Delta Reserve card.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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