Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card Review

This is a cashback card issued by American Express National Bank. If you're wondering whether Delta SkyMiles® Reserve American Express Card is the right card for you, read on.

Key Takeaways

• Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles after you spend $3,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, identity theft protection, purchase protection, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card FAQ

Does Delta SkyMiles® Reserve American Express Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.

What are the Delta SkyMiles® Reserve American Express Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Trip Cancellation Insurance
• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for Delta SkyMiles® Reserve American Express Card?

Delta SkyMiles® Reserve American Express Card has a variable purchase APR that ranges from 18.74% up to 27.74%. It also has a variable cash advance APR of 28.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Delta SkyMiles® Reserve American Express Card?

The following fees apply:

• There is no overlimit fee

Does Delta SkyMiles® Reserve American Express Card report your account activity to credit bureaus?

Yes, Delta SkyMiles® Reserve American Express Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Delta SkyMiles® Reserve American Express Card

• Visit the Delta SkyMiles® Reserve American Express Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.