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Delta Reserve Credit Card Review

Delta Reserve® Credit Card from American Express
See Rates & Fees. Terms Apply.
Delta Reserve® Credit Card from American Express
See Rates & Fees. Terms Apply.

Delta Reserve Credit Card Review

The Delta Reserve credit card has a high annual fee, and is designed for high travel spenders who are status focused.
Editor's Rating: 4.0/5.0
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.0/5.0

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

The information related to the Delta Reserve® Credit Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

The Delta Reserve® Credit Card from American Express is the premium offering among the Skymiles credit cards from American Express and Delta Airlines. We examined whether the cards features were worth its high $450 annual fee (See Rates & Fees) with an in-depth analysis of all its features, bonuses and benefits.

Review: A Premium Card Valuable Only For Big Spenders

The first thing that jumps out at you about the Delta Reserve Credit Card from American Express is heft annual fee of $450 dollars. The high cost is an immediate sign that this card is not for everyone. With multiple available bonuses offering consumers Medallion Qualification Miles (MQMs) the card is designed for consumers that are especially high travel spender and status focused.

Changes to the Delta Skymiles lounge program has also made the lounge access benefits less worthwhile, with a per person fee of $29 dollars now required. The additional companion certificate perk does help to offset the cost of the card, though many other airline affiliated credit cards have a similar benefit at a much lower cost.

Overall the Delta Reserve is a card that caters to frequent Delta flyers that are willing to pay a lot to help amplify their status levels. With recent changes to Delta's travel benefits however, many of the peripheral perks of the card have been significantly devalued.

Delta Reserve® Credit Card from American Express Benefits And Features

Delta Reserve® Credit Card from American Express

Annual Fee
$450
Regular APR
17.99% - 26.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Companion Certificate

The Reserve is the only Delta card that offers a companion certificate similar to those available with other cards. Each year upon renewal, cardholders receive this benefit that acts as a 2 for the price of 1 coupon on any domestic first class of economy class fare. With the high cost of cross country flights these days, the companion certificate can be worth hundreds of dollars each year.

Value Estimate: $500 dollars

Delta Skyclub Access

The Delta Reserve® Credit Card from American Express provides cardholders with complimentary access to Delta Sky Club®, as long as they provide a same-day airline boarding pass to club agents. In addition to this, cardmembers may bring up to 2 guests and children under the age of 21 with them, at a discounted rate of $29 per person - provided that they are travelling on the same reservation. A single day pass to Delta Sky Club® costs $59 - which means you could save up to $119 through this perk (if you bring 2 guests with you).

Value Estimate: $119 dollars

The Rewards

The rewards structure for the Reserve is pretty simple and doesn't offer much on top of the other Skymiles cards. It has the standard 2x miles on Delta Air Lines and Delta Vacation package purchases wtih 1 mile per dollar on everything else. Given the high annual fees, this card is not really one for consumers that are looking to build rewards through spending.

For rates and fees of the Delta Reserve® Credit Card from American Express, please click here.

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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