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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 o...
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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.
3.5
Up to 110,000 miles
$550
20.99% - 29.99% Variable
Good to Excellent (670-850)
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.
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 Delta SkyMiles 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.
Card Details
Card Snapshot
Welcome Bonus & Info
Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
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 10 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.
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.
You’re a Delta loyalist or your home airport is a Delta hub
You’re a frequent business traveler
You want Delta Sky Club and Amex Centurion Lounge access
Don’t Get If
You hardly ever fly Delta
You aren’t a small business owner
You prefer a card that earns transferable rewards
Delta Reserve Business Card — Is It Worth It?
The Delta Reserve Business card is perfectly suited for small business owners who travel often and have made Delta their airline of choice. The Delta Reserve Business card is also an excellent option for those trying to reach (or maintain) high levels of Delta elite status thanks to its Status Boost benefit.
Delta Reserve Business Card Top Benefits
Delta Reserve Business Card Travel Benefits
Frequent Delta flyers will love the travel perks and benefits that the card offers, including the following:
Delta Sky Club Access — Complimentary access to all Delta Sky Clubs when flying Delta, plus an exclusive per-visit rate of $39 per person for up to 2 guests. Effective 2/1/25, Delta Reserve cardholders will receive 10 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.
Amex Centurion Lounge Access — Complimentary access to all Amex Centurion Lounges when flying Delta.
Delta Sky Club Guest Passes —Each year, you’ll receive 2 single-visit Delta Sky Club guest passes so that friends or family can join you in the lounge.
Status Boost— Earn 15,000 Medallion Qualification Miles (MQMs) when you spend $30,000 on your card in a calendar year, up to 4 times each year, allowing you to earn up to 60,000 MQMs each year. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status.
Annual Companion Certificate — Each year, you’ll receive a complimentary companion certificate good for a domestic first class, Delta Comfort+, or Main Cabin round-trip ticket. You’ll just pay the taxes and fees of no more than $80.
Complimentary Upgrades — Cardmembers are automatically added to the complimentary upgrade list, but keep in mind you’ll be behind all Medallion Members.
Priority Boarding — Your card automatically puts you in the Main Cabin 1 boarding group, alongside Silver Medallion and SkyTeam Elite members.
Free Checked Bags — Get your first checked bag free for you and up to 8 traveling companions on the same reservation.
20% Back on Inflight Purchases — Receive a statement credit when you use your Delta Reserve Business card to purchase food, beverages, or Wi-Fi on board.
Delta Reserve Business Card Travel and Purchase Protections
Sometimes, things don’t go quite the way we want them to. Fortunately, the Delta Reserve Business card comes with a handful of perks to help keep you covered in those instances.
Trip Delay Coverage — If your flight is delayed by more than 6 hours, or overnight, you’ll be reimbursed up to $500 towards necessary expenses like lodging and meals, up to 2 claims per 12-month period.
Trip Cancellation/Interruption Insurance — Trips that are canceled or interrupted due to covered situations like severe weather are covered up to $10,000 per trip and $20,000 per year towards non-refundable expenses.
Baggage Insurance — If your baggage is lost or damaged during transit, you’re covered up to $1,250 for carry-on bags and up to $500 for checked bags, for a total of $10,000 per trip.
Rental Car Insurance — Receive secondary rental car insurance that covers theft and collision damage to your rental vehicle.
Cell Phone Protection— If your phone is damaged or stolen you’ll receive up to $800 per claim towards a repair or a replacement. You’re limited to 2 claims per 12-month period and will need to pay a $50 deductible per claim.
Purchase Protection — Purchases made with your card are covered in the event of theft or accidental damage, for up to 90 days from the purchase date, up to $10,000 per claim, and $50,000 per year.
Extended Warranty Protection — Products purchased with your card that have extended warranties of 5 years or less will be extended by 1 additional year.
Next comes the fun part, redeeming your SkyMiles for free flights to your next vacation destination. If you’re looking for the inside scoop on how you can get the most value out of your SkyMiles, we’ve got you covered with our guide to the best ways to redeem Delta SkyMiles.
Alternative Cards to the Delta Reserve Business Card
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!
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.
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)
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.
The annual fee of the Amex Business Platinum card is comparable to what you’d be paying on the Delta Reserve Business card, but it allows you to earn Amex Membership Rewards points — which are some of our favorite points to collect!
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.
Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
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
Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
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.
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If you’re looking for a card that’s a great option for Delta flyers, but more affordable than the Delta Reserve Business card, then the Delta Platinum Business card might be the perfect pick for you.
With it, you’ll earn 3x SkyMiles per $1 spent on Delta and hotel purchases, plus 1.5x SkyMiles per $1 on purchases larger than $5,000. The card also comes with perks like Delta priority boarding and an annual companion certificate. Terms apply and enrollment is required for select benefits.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
Frequently Asked Questions
The annual fee is $550.
For small business owners who fly often and for whom Delta is their airline of choice, then yes, the Delta Reserve Business card would most likely be worth it, especially considering the benefits that the card provides like complimentary Delta Sky Club access.
The Delta Reserve Business card comes with many benefits, but some of the best are complimentary Delta Sky Club and Amex Centurion Lounge access when flying Delta, an annual companion certificate, priority boarding, free checked bags, and the ability to spend your way toward Delta elite status.
The Delta Reserve Business card will get you on the list for complimentary upgrades. However, you’ll be lower on the list than all Delta Medallion members and their companions, so do not expect your upgrades to clear very often unless it’s a very empty flight.
It depends on what you’re looking for from your card. While the Delta Platinum Business card gives you the opportunity to earn more SkyMiles thanks to its additional bonus categories, the Delta Reserve Business card comes with significantly more perks like airport lounge access.
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.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
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