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Delta SkyMiles® Reserve Business American Express Card review: Elite status for Delta frequent fliers

Amex disclosure

Business owners have a unique opportunity to maximize their company's expenses with a business credit card. The Delta SkyMiles Reserve® Business American Express Card is the ideal choice for those who prefer to fly Delta.

This card earns Delta SkyMiles on every purchase, accelerates your elite status, and provides valuable benefits when flying Delta. Learn more about the best Delta SkyMiles business card for travelers who value elite status, airport lounge access, and other travel benefits.


In this article:


Delta SkyMiles Reserve Business American Express Card features

  • Annual fee
    $650
  • Welcome offer
    Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership
  • Card type(s)
    Travel, Airline, Business
  • Ongoing Purchases APR
    20.49% - 29.49% Variable
  • Recommended credit score
    Excellent/Good
  • Rewards rate
    3x miles on Delta purchases
  • Benefits
    • Earn an annual statement credit of up to $250 after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com
    • Check your first bag free on Delta flights
    • Enjoy international travel without additional fees on purchases made abroad

Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles Reserve Business American Express Card design

Perks

The Delta Reserve business card is loaded with features that Delta flyers love. These perks save money and improve your travel experience when flying on Delta. Benefits include airport lounge access, an annual companion pass, discounted flights, complimentary upgrades, priority boarding, free checked bags, and more.

  • Status Boost. Earn or maintain Delta Medallion elite status with $2,500 Medallion Qualifying Dollar (MQD) credits each year. Additionally, the card earns $1 MQD for every $10 you spend on it. These MQDs are added to the MQDs earned from flying and other eligible activities to earn elite status more quickly.

  • Lounge access. Cardholders also receive access to airport lounges when using their cards to pay for Delta flights. On these flights, you'll receive complimentary access to the Centurion Lounge or the Escape Lounge. In addition, cardholders can enter Delta Sky Club® lounges at no cost. Beginning on Feb. 1, 2025, Reserve card members will receive 15 visits per year to Delta Sky Club. However, those that spend at least $75,000 on the card annually will get unlimited access.

  • Save 15% on award travel. Book an award ticket on Delta using your SkyMiles to receive a 15% discount on the price. This benefit automatically applies to eligible flights and expands the value of your miles so you can take more trips.

  • Annual companion ticket. Each year, you'll receive an annual companion ticket when you renew your Delta SkyMiles business card. Redeem this pass for a domestic First Class, Delta Comfort+, or Main Cabin roundtrip ticket when you pay cash for the primary passenger's fare.

  • Access to complimentary upgrades. For travelers without elite status, you'll be added to the Complimentary Upgrade list after Medallion Members.

  • Travel benefits on Delta flights. Receive priority boarding and the first checked bag free for you and up to eight travelers. That's a savings of up to $280 per round-trip for a party of four.

  • Global Entry or TSA PreCheck Reimbursement. Get reimbursed up to $120 once every four years for Global Entry or four-and-a-half years for TSA PreCheck when you use your card to pay the application fees.

  • Travel protections. Your trips are insured against trip delay, cancellation, and interruption at no extra charge. The Delta SkyMiles Reserve Business card also provides complimentary baggage insurance and secondary coverage against rental car damage or theft.*

  • Purchase and cell phone protection. Eligible purchases receive purchase protection against loss, theft, or damage and an extended warranty of up to one year. Stolen or damaged cell phones are covered up to $800 with a $50 deduction. There's a limit of two claims in 12 months.*

  • Complimentary employee cards. Add up to 99 employee cards at no cost to earn miles on their purchases. Business owners can set individual spending limits and monitor account activity.

Delta SkyMiles Reserve Business American Express Card rewards program details

Miles is earned from the Delta SkyMiles business card welcome bonus, and purchases are transferred to your loyalty account monthly. They combine with miles earned from flying and other eligible activities so you can book award flights. Delta miles can also be used for seat upgrades, hotel stays, Sky Club memberships, and more. However, the best value tends to be when booking premium cabin international flights or during peak travel periods.

To redeem your miles for a flight, visit Delta.com or use the Delta mobile app (Apple, Google). Select your travel dates, departure and arrival cities, and number of travelers, then click "Shop with Miles" before starting your search.

In the search results, select which cabin of service you want to fly, ranging from Basic Economy to First Class, based on your budget and desires. Compare prices by switching between cash, miles and "Miles + Cash," then sort and filter the results to find flights that match your needs.

Once you've found a flight you like, click through to enter your personal information and complete your reservation by paying with your Delta SkyMiles business card.

Read more: See our picks for the best American Express credit cards

Delta SkyMiles Reserve Business American Express Card potential drawbacks

  • High annual fee

  • A $50 fee applies to guests and family members accompanying you to the lounge

  • Companion tickets are only good on domestic flights

  • American Express isn't as widely accepted outside the U.S.

Where can you use Delta SkyMiles Reserve Business American Express Card?

The Delta SkyMiles business card can be used anywhere American Express cards are accepted. Within the U.S., this means that your Delta Reserve business card be used at 99% of all businesses that accept credit cards.

Many small businesses use their credit cards to pay vendors, buy supplies, cover utilities, and charge other normal expenses. Unfortunately, this card doesn't offer any category bonuses on standard business expenses so you can earn additional rewards.

On international purchases, American Express cards are not as widely accepted as Visa and Mastercard. For this reason, it helps to bring additional cash or another type of credit card as a backup. When Amex cards are accepted, there are no foreign transaction fees with the Delta Reserve business card. This benefit saves up to 3% on your purchases.

How to make a Delta SkyMiles Reserve Business American Express Card payment

Making regular payments on your Delta SkyMiles business card increases your available credit, avoids late fees, and minimizes interest if you carry a balance. Business owners have numerous ways to pay their bills.

  • Online: American Express website

  • Mobile: Amex mobile app (Apple, Google)

  • Monthly auto-pay: Set up automatic payments from your linked bank accounts.

  • By mail: American Express, PO Box 96001, Los Angeles, CA, 90096 - 8000

  • Express mail: American Express, Attn: Express Mail Remittance Processing, 20500 Belshaw Ave., Carson, CA 90746

  • Over the phone: Call the number on the back of your Delta SkyMiles Reserve Business card or (800) 472-9297

  • Wire transfer: Initiate a wire transfer from your bank account with the following information:

    • Bank Name: Chase Manhattan Bank

    • Account Name: American Express Card Member Wire Depository

    • Address: 1 Chase Plaza New York, NY 10081

    • ABA Number (Routing Number): 0210-0002-1

    • Account Number: 910-2-753036

    • Please also include your Card Member name and American Express account number.

Delta SkyMiles Reserve Business American Express Card customer service info

  • Customer service is available by phone or chat 24/7.

  • Phone number: (800) 492-3344

  • Customer service chat: Website or mobile app (Apple, Google)

  • Delta SkyMiles Reserve Business American Express Card login page


Alternative cards to consider

  • Annual fee
    $0 introductory annual fee for the first year, then $150
  • Welcome offer
    Earn 60,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership
  • Card type(s)
    Travel, Airline, Business
  • Ongoing Purchases APR
    20.49% - 29.49% Variable
  • Recommended credit score
    Good, Excellent
  • Rewards rate
    • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year
    • Earn 2 miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants
    • Earn 1 mile on every eligible dollar spent on purchases
  • Benefits
    • Enjoy a $0 introductory annual fee for the first year, then $150
    • After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel
    • First checked bag free on Delta flights + main cabin 1 priority boarding

The Delta SkyMiles Gold Business Card is the best Delta SkyMiles business card for earning Delta miles without a high annual fee. Cardholders enjoy money-saving features like the first checked bag free, priority boarding, and a 20% in-flight discount. Additionally, the card saves 15% on award tickets booked on Delta flights.

When you spend $10,000 within a calendar year, you'll earn a $200 Delta flight credit, which offsets the card's annual fee. The card also provides purchase protection and an extended warranty on eligible purchases.*


  • Annual fee
    $695
  • Welcome offer
    Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your card within the first 3 months of account opening
  • Card type(s)
    Business, Rewards
  • Ongoing Purchases APR
    18.99% - 27.99% Variable
  • Recommended credit score
    Good, Excellent
  • Rewards rate
    • 5x Membership Rewards points on flights and prepaid hotels on AmexTravel.com
    • 1.5x points on each eligible purchase at U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, shipping providers, and on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per calendar year
    • 1x points for each dollar you spend on eligible purchases
  • Benefits
    • Get up to $200 in statement credits per calendar year for incidental fees charged by one qualifying airline to your card
    • Complimentary access to The American Express Global Lounge Collection, which includes more than 1,400 airport lounges in 140 countries
    • Earn over $1,000 in annual statement credits on select business purchases

Travelers seeking a premium luxury card will find high-end perks with the Business Platinum Card. Points can be redeemed for travel, statement credits, gift cards, and more. Amex has 21 airline and hotel transfer partners, including Delta, to get higher value from your points.

Plus, it includes over $1,000 in statement credits for popular business services, such as a $200 airline fee credit, and a $199 credit toward a CLEAR membership. Cardholders enjoy airport lounge access when flying any airline, Marriott and Hilton Gold status, and premium benefits on reservations with Fine Hotels + Resorts®.


  • Annual fee
    $0
  • Welcome offer
    Earn $350 after spending $3,000 in the first 3 months, plus an additional $400 after spending $6,000 in the first 6 months
  • Card type(s)
    Business, Cash-Back
  • Introductory Purchases APR
    0% Intro APR on Purchases for 12 months
  • Ongoing Purchases APR
    17.99% - 23.99% Variable
  • Recommended credit score
    Good, Excellent
  • Rewards rate
    • 5% cash back on the first $25,000 in combined spending at office supply stores and on internet, cable, and phone services each account anniversary year
    • 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account anniversary year
    • 1% cash back on all other purchases
  • Benefits
    • Earn 5% cash back on Lyft rides through March 2025
    • Get a 10% bonus on the cash back you earn in your first year if you have a Chase Business Checking account on your card anniversary (available on cards opened between March and November 2024)

The card's benefits include primary rental car coverage, purchase protection, and an extended warranty on eligible purchases. The card has no annual fee, and you can add employee cards for no additional charge. However, it does charge a 3% foreign transaction fee on purchases made outside the U.S.

*Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

This article was edited by Rebecca McCracken


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