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  Delta SkyMiles® Reserve American Express Card
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Delta SkyMiles® Reserve American Express Card

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Highlights
Purchase APR  (Variable APR) 18.74% - 27.74%
(Verified 10/27/2022)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range Starting at 700
Annual Fee $550

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

The Good The Bad
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Delta SkyMiles® Reserve American Express Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges an annual fee of $550

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.

Delta SkyMiles® Reserve American Express Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus ($) $10 - $40
Signup Bonus (Points/Miles) 40,000
Signup Bonus Spend Requirement $3,000
Signup Bonus Spend Period (months) 3 months

Does Delta SkyMiles® Reserve American Express Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $10,000 after spending $3,000. However, it does include a 40,000 points signup bonus after spending $3,000 that can be redeemed for travel, gifts, or other perks.

Does Delta SkyMiles® Reserve American Express Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

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.

Does Delta SkyMiles® Reserve American Express Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Delta SkyMiles® Reserve American Express Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

  • There is no overlimit fee
Delta SkyMiles® Reserve American Express Card Fees
Fees Amount
Annual Fee $550
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Delta SkyMiles® Reserve American Express Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Delta SkyMiles® Reserve American Express Card?

The Delta SkyMiles® Reserve American Express Card customer service number is (800) 528-4800.

What is the support contact email for Delta SkyMiles® Reserve American Express Card?

The support contact email for Delta SkyMiles® Reserve American Express Card is info@americanexpress.com.

What is the Delta SkyMiles® Reserve American Express Card login page?

You can access the Delta SkyMiles® Reserve American Express Card login page here.

How do people rate the customer service and user experience of Delta SkyMiles® Reserve American Express Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all credit cards offered by American Express National Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Up to $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $550
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 -
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Concierge
Bonus Offer 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.
No Blackout Dates
Rewards Categories
  • 3x Miles on Travel
  • 1x Mile on Every Purchase
Signup Bonus (points) 40
Signup Bonus $10 - $40
Cash Advance APR (Variable APR) 28.24%
APR Type Variable APR
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.74% - 27.74%
(Verified 10/27/2022)
Card Type
  • Rewards
  • Cashback
  • Travel
  • Airline
Card Network American Express

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