American Express

Delta SkyMiles Reserve American Express Card

5.0editor rating

Large welcome offer worth an estimated $1080

Annual fee
$650
Welcome offer
~$1,080
Annual benefits value
$410
Est. 1st-year value
$1,490

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Our review

The Delta SkyMiles Reserve American Express Card sits at the top of Delta's co-branded lineup, and it is built for travelers who spend real time in the air on Delta metal. Its headline draw is Delta Sky Club access when you fly Delta, a benefit that alone can justify the card for people who otherwise pay per visit or buy a Sky Club membership outright. Layered on top are an annual companion certificate, first checked bag free, priority boarding, and a head start toward Medallion elite status.

This card ranks near the top of the Delta group because its benefits are the deepest, but that depth comes with the largest annual fee in the family. The math only works if you fly Delta often enough to actually use the lounge access and the companion certificate. For a loyal Delta flyer based at an Atlanta, Detroit, Minneapolis, or another Delta hub, those two benefits can quietly cover most of the annual fee in a single year.

SkyMiles are the currency here, and they are best thought of as a Delta-and-partner travel currency rather than a flexible points program. There is no fixed award chart, so the number of miles a flight costs moves with cash prices. That makes the Reserve most rewarding for people who are comfortable booking Delta and SkyTeam partner award flights and who value the on-the-ground experience the lounge and boarding perks provide.

Delta and American Express have reshaped the Sky Club access rules for co-brand cardholders in recent years, adding annual visit limits and spending-based waivers, so the exact number of complimentary visits can change. Anyone leaning on this card primarily for the lounge should confirm the current visit policy and any spend threshold before applying, because that single detail can swing the card's value considerably.

Overall, the Reserve is the choice for the frequent Delta flyer who wants a lounge to retreat to, values priority treatment at the gate, and will use the companion certificate each year. For occasional Delta travelers, the lower-fee Platinum or Gold usually delivers a better value per dollar of annual fee.

Why we like it

  • Delta Sky Club access when flying Delta, plus limited Amex Centurion Lounge access on same-day Delta flights.
  • First checked bag free for you and companions on the same reservation.
  • Priority boarding on Delta flights.
  • An annual companion certificate that can offset a large share of the annual fee for travelers who use it.
  • A head start toward Delta Medallion elite status through card spending.
  • No foreign transaction fees, which makes it comfortable to use abroad.

Who it's best for

  • Frequent Delta flyers who will genuinely use Sky Club lounge access.
  • Travelers who fly enough Delta round trips to redeem the annual companion certificate.
  • People chasing or maintaining Delta Medallion status who want a spending head start.

Welcome bonus

The current public welcome offer shown above is in the range of 90,000 Delta SkyMiles after meeting a spend requirement within the first several months of card membership.

American Express welcome offers are frequently targeted and vary by applicant, and Amex generally applies a once-per-lifetime rule per card product, so you may not be eligible if you have held this card before.

Rather than assigning a fixed cash value to the miles, treat the estimated value shown above as a guide; the real value depends on how you redeem.

Using your rewards

Delta SkyMiles are most valuable when redeemed for Delta and SkyTeam partner flights.

There is no published award chart, so award prices move dynamically with cash fares; flexibility on dates and routes helps you find the strongest redemptions.

SkyMiles do not expire, so there is no pressure to burn them on a fixed schedule.

Airport lounge access

The Reserve provides Delta Sky Club access when you are flying Delta, which is the card's signature benefit.

It also includes limited access to American Express Centurion Lounges when you are flying Delta on a same-day itinerary.

Delta has introduced annual visit limits and spending-based waivers for co-brand Sky Club access in recent updates, so confirm the current number of complimentary visits and any spend threshold in the latest terms before relying on unlimited access.

Foreign transaction fees

This card does not charge foreign transaction fees, so it is a reasonable choice for purchases made outside the United States.

As an American Express card, acceptance can be thinner than Visa or Mastercard in some regions, so carrying a backup card abroad is sensible.

Major credits & annual benefits

An annual companion certificate is issued after meeting the card's requirements; the certificate type and any spend condition are spelled out in the card terms.

First checked bag free and Main Cabin priority boarding apply on Delta flights.

Cardholders receive a discount on eligible in-flight purchases on Delta.

Card spending contributes toward Delta Medallion status through a Medallion Qualification head start, with the exact amounts and thresholds set by Delta and subject to change.

Benefit amounts, credits, and status contributions are adjusted periodically, so verify the current figures in the card's terms.

Insurance & protections

American Express travel and purchase protections may apply when you pay with the card, and the specifics are defined in the benefit guide.

Coverage terms, limits, and exclusions vary, so review the current benefit documents and pay with the card to trigger eligibility before assuming any given protection applies.

Fees & tradeoffs

The Reserve carries the highest annual fee in the Delta family, so it only pays off for travelers who use the lounge access and companion certificate.

Because SkyMiles are tied to Delta and priced dynamically, redemption value is less predictable than with a flexible points currency.

If you fly Delta only occasionally, a lower-fee Delta card typically delivers more value per dollar of annual fee.

Final verdict

For the committed Delta flyer, the Reserve's welcome bonus plus its recurring lounge access, companion certificate, and status head start can more than offset the annual fee.

If you do not fly Delta enough to use the lounge and companion certificate, the Platinum or Gold is likely the better fit, and a general-purpose travel card may serve occasional flyers better still.

Card details change often. Verify current rates, fees, welcome offers, credits, and benefit terms with the issuer before applying.

Is this card worth it for you?

Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.

Selected benefits
$1,315
Welcome offer
$1,080
Annual fee
−$650
Estimated first-year net
+$1,745

Welcome offer

Welcome offer value

Earn 90,000 points after $6,000 in spend within 6 months

$1,080

Spend requirements apply. Verify current offer with the issuer. How we calculate this

Benefits & credits

Total benefits & credits value

Estimated annual value of all tracked perks

$1,060

BenefitFrequencyEst. annual value

Companion Certificate

Annual domestic First Class companion certificate after spending $30,000 in a calendar year (or Domestic Main Cabin companion certificate with no spend requirement). Issued after meeting requirements.

Annual$500

Delta Sky Club Access

Access to Delta Sky Club lounges when flying Delta. Includes up to 2 guests or immediate family.

per_visit$60

Centurion Lounge Access (Delta flights)

Access to Amex Centurion Lounges when flying Delta on the same day. Up to 2 guests.

per_visit$60

$100 Global Entry/TSA PreCheck Credit

Up to $100 statement credit for Global Entry or TSA PreCheck. Resets every 4 years.

One-time$100

Free First Checked Bag

First checked bag free on Delta flights for cardholder and up to 8 companions on the same reservation. Estimated value ~$35 per checked bag (typical domestic first-bag fee).

per_visit$35

$200 Delta Stays Credit

Up to $200 back each year on prepaid hotels and vacation rentals booked through Delta Stays.

Annual$200

$20/mo Resy Credit

Up to $20 in monthly statement credits at U.S. Resy restaurants (enrollment required).

Monthly$240

$10/mo Rideshare Credit

Up to $10 in monthly statement credits on eligible U.S. rideshare purchases (enrollment required).

Monthly$120

Earning rates

Delta purchases3x

Who it's for

Consider it if

  • Large welcome offer worth an estimated $1080
  • Ongoing benefits can outweigh the annual fee if used
  • Includes airport lounge access

Maybe skip it if

  • High $650 annual fee

Fees & details

Annual fee
$650
Foreign transaction fee
None
Card network
American Express
Recommended credit
Good to Excellent (690+)
Rewards currency
Delta SkyMiles
Last updated
2026-07-25

Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.

How it compares

Delta ReserveAmerican Express
Platinum CardAmerican Express
Business PlatinumAmerican Express
Annual fee$650$895$895
Welcome offer~$1,080~$3,000~$3,000
Est. 1st-year value$1,490$5,160.40$4,684
Annual benefits value$410$2,160.40$1,684
Editor rating5.0 / 55.0 / 55.0 / 5
Points earning structure
  • 3x Delta purchases
  • 1x all other purchases
  • 5x Flights (booked with airline / Amex Travel)
  • 5x Prepaid hotels (Amex Travel)
  • 1x all other purchases
  • 5x Flights & prepaid hotels (Amex Travel)
  • 1.5x Purchases of $5,000+ & select business categories
  • 1x all other purchases
Transfer partners
Lounge access
No foreign txn fee
Recommended creditGood to Excellent (690+)Good to Excellent (690+)Good to Excellent (690+)