Delta SkyMiles Reserve American Express Card Credit Card

Delta SkyMiles Reserve American Express Card

Last Updated: 02/24/2026

Rating
3.3 / 5
Sign Up Bonus
Up to 125,000 Miles
Annual Fee
$650
Credit Score
Good

Summary

Sign-Up Bonus
2
Spending Multipliers
2
Credits & Features
4.5
Fees
2
Application
5
Issuer
NaN

The American Express Delta SkyMiles Reserve American Express Card is a premium airline credit card designed for frequent flyers of Delta Air Lines who want luxury airport lounge access and elite-style travel perks. While it carries a high annual fee (not waived the first year) and a $175 fee per authorized user, the value proposition is strongest for loyal Delta travelers who can take advantage of 15 complimentary visits to Delta Sky Club lounges, complimentary Centurion Lounge access, an annual Companion Certificate for select Delta flights, first checked bag free, complimentary upgrade eligibility, and 15% savings on Delta award travel. Additional benefits like a $200 annual Delta Stay credit, monthly Resy and rideshare credits, a Global Entry or TSA PreCheck credit every four years, Hertz President’s Circle status, and 20% back on Delta in-flight purchases further enhance the travel experience. The card also provides robust protections including cell phone protection, return protection, purchase protection (up to $10,000 per occurrence), extended warranty coverage, trip delay coverage (up to $500 per trip), trip cancellation and interruption insurance (up to $10,000 per trip), baggage insurance, and car rental loss and damage insurance—all with no foreign transaction fees. Overall, the Delta SkyMiles Reserve American Express Card is best suited for high-frequency Delta flyers who prioritize lounge access, premium travel protections, and maximizing airline-specific benefits over minimizing annual fees.

Pros

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No foreign transaction fee
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Cell phone protection
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Return protection up to $300 per item and $1,000 per calendar year
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Purchase protection up to $10,000 per occurrence and $50,000 per calendar year
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Extended warranty up to $10,000 per item and $50,000 per calendar year

Cons

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Welcome offer may not be available to all applicants
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High annual fee
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Annual fee not waived in the first year
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$175 fee per additional authorized user card

Issuer

Spending Multipliers

Credits & Features

$20 monthly Resy Credit
$10 monthly Rideshare Credit
$200 annual Delta Stay Credit
Annual Companion Certificate for select Delta Flights
Access to complimentary upgrades
First checked bag free on Delta flights
Save 15% when booking Delta award travel
15 Complimentary visits to Delta Sky Club
Complimentary Centurion Lounge Access
20% Back on Delta in-flight purchases
$120 credit for Global Entry or TSA PreCheck every 4 years
Hertz President’s Circle Status
Baggage insurance
Trip delay insurance up to $500 per trip
Trip cancellation and interruption insurance up to $10,000 per trip and $20,000 per 12 months
Car rental loss and damage insurance

Application

  • Welcome offer can only be received once in a lifetime
  • Opening this might card effects your welcome offer eligibility on other cards in the same family
  • Number of hard pull are usually irrelevant for American Express
  • Consider having at least a credit history for 6 months and avoid applying to different cards in the same card family for at least 90 days
  • American Express limits customers to 5 credit cards

Fees

  • $650 Annual Fee
  • $175 fee per additional authorized user card
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.49% - 28.49% Variable APR
  • 28.74% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process