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Delta SkyMiles Reserve Business American Express Card – Full Review [2024]

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Jarrod West
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Jarrod West

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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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With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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Delta SkyMiles® Reserve Business American Express Card
Terms 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.
3.5
Learn More(at Amex's secure site)
  • 110,000 Bonus Miles

  • $650

  • 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.
3.5
Learn More(at Amex's secure site)

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.

Card Snapshot

Welcome Bonus & Info

  • Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
  • Enter Delta Sky Club® at no cost. 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.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250  after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.

Pros

  • 3x miles per dollar on Delta purchases
  • 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • Complimentary access to all Delta Sky Clubs when flying Delta and four one-time use guest passes annually. 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.
  • Complimentary Amex Centurion Lounge access when flying Delta
  • MQD Headstart and MQD Boost: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your card
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. See terms and conditions for details.
  • Access to complimentary flight upgrades and priority boarding (Zone 5 Priority Boarding)
  • $240 Resy Credit: Earn up to $20 per month [in statement credits] on eligible Resy purchases using your enrolled card.
  • Earn up to $10 back each month after using your enrolled card for U.S. rideshare purchases with select providers.
  • Up to $250 annual statement credit after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

Cons

  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
  • Rewards are not transferable

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Great Card If

  • 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 SkyMiles® 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 MQD Headstart and MQD Boost benefits.

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 and four one-time use guest passes annually. 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.
  • Amex Centurion Lounge Access — Complimentary access to all Amex Centurion Lounges when flying Delta.
  • MQD Headstart and MQD Boost: Get closer to elevated Status next Medallion Year by receiving $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Annual Statement Credits: Earn up to $240 in Resy statement credits, up to $120 in U.S. ride-share statement credits, and up to $250 in prepaid Delta Stays bookings on delta.com. Enrollment required.
  • Annual Companion Certificate — Receive a certificate for First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • 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 Zone 5 Priority Boarding.
  • 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.

Best Ways To Earn and Redeem Your Delta SkyMiles

You won’t want to rely on the Delta Reserve Business card alone when it comes to earning Delta SkyMiles. Fortunately, there are many other great ways to help you boost your balance of Delta SkyMiles.

Next comes the fun part, redeeming your SkyMiles for award 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 Business Platinum Card® from American Express

150K OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
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)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% 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 150,000 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
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • 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)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the 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 statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $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 the 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 the 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% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

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!

Plus, the card earns 5x points per $1 spent on flights and prepaid hotels through AmexTravel.com, gives you Gold status with Hilton Honors and Marriott Bonvoy upon enrollment, has a 35% bonus when using Pay With Points, and offers the best airport lounge access of all travel rewards cards.

Delta SkyMiles® Platinum Business American Express Card

LIMITED TIME OFFER
Delta SkyMiles® Platinum Business American Express CardTerms Apply / Rates & Fees
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.

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

Learn More(at Amex's secure site)
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 95,000 Bonus Miles after spending $8,000 in purchases in your first 6 months of Card Membership. Offer Ends 7/17.
95,000 Bonus Miles
$1,140
$350
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 3x SkyMiles per dollar for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag for each flight only sweeten the deal (rates & fees).

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
Cons
  • $350 annual fee (rates & fees)
  • Does not earn transferable rewards
  • Limited Time Offer: Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • 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.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

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.

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

What is the annual fee on the Delta Reserve Business card?

The annual fee is $650.

Is the Delta Reserve Business card worth it?

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.

What are the benefits of the Delta Reserve Business card?

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, and free checked bags.

Does the Delta Reserve Business card help with upgrades?

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.

Is the Delta Reserve Business card better than the Delta Platinum Business card?

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.

Jarrod West's image

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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