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Delta Reserve Credit Card from American Express®

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Delta Reserve Credit Card from American Express®

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in Personal Credit Cards

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Overview

Who is the Delta Reserve Credit Card from American Express® For?

The Delta Reserve Credit Card from American Express® is designed for people with excellent credit who fly regularly with Delta Airlines and want to earn miles on their purchases. It has a high annual fee, which is only worth it for frequent flyers who really value the exclusive perks of Delta's Medallion program and want access to Delta's Sky Club airport lounges.

What are the Rates for Delta Reserve Credit Card from American Express®?

The rates for balance transfers and purchases with American Express®' Delta Reserve Credit Card range from 17.24% APR to 26.24% APR, which is standard for a premium travel rewards card. Cash advances have a 26.74% APR and borrowers who are late on their payments trigger a 29.99% APR penalty rate, which remains in effect until borrowers make timely payments for 6 straight months.

What Are the Fees for Delta Reserve Credit Card from American Express®?

American Express®' Delta Reserve Credit Card has a whopping $450 annual fee. Although this annual fee can easily pay for itself when used regularly, it takes a considerable amount of travel to justify it. There is also a 3% (minimum $5) cash advance fee. As with most prime travel rewards cards, there is no foreign transaction fee. Late payments and returned payments have a $38 penalty fee but there is no overlimit fee.

What Is Delta Reserve Credit Card from American Express® Rewards Program Like?

Delta Reserve Credit Card members receive 2 miles for every $1 they spend on purchases made directly with Delta. All other purchases receive 1 mile for every $1. These miles can be redeemed for flights with Delta and other SkyMiles partners, upgrades to first class or Business Elite, hotel stays, car rentals and merchandise with SkyMiles MarketPlace.

In addition, cardholders who spend $30,000 in purchases on their card annually receive 15,000 bonus miles plus 15,000 Medallion Qualification Miles. If they spend $60,000 or more, they receive an additional 15,000 bonus miles and 15,000 Medallion Qualification Miles. These MQM are not redeemable as regular miles. Instead they count toward the MQMs required to reach Medallion status. Medallion status gives travelers special perks, such as unlimited complimentary upgrades, fee waivers, priority check-in and boarding, expedited baggage service, Delta Sky Club Executive Membership upgrade and Sky Club One-Day passes, as well as crossover rewards with Starwood Hotels and Resorts.

What about the Delta Reserve Credit Card from American Express® Signup Bonus?

New cardholders receive 10,000 Medallion Qualification Miles and 10,000 bonus miles after spending $3,000 in purchases in the first 3 months. Only the 40,000 bonus miles can be redeemed. The 10,000 MQMs work toward achieving Medallion status.

Does the Delta Reserve Credit Card from American Express® Have Any Other Benefits?

Delta Reserve Credit Card from American Express® gives its members generous shopping and travel rewards and benefits. These include premium roadside assistance, car rental loss and damage insurance, travel accident insurance, baggage insurance plan, complimentary Delta Sky Club Access, priority boarding, companion travel flight awards, extended warranty on purchases and access to a personal concierge.

The companion travel perk gives members a domestic first or main cabin round-trip companion certificate every year they renew their card.

How Is Delta Reserve Credit Card from American Express® Better Than Other Credit Cards?

American Express®' Delta Reserve Credit Card is a prime travel rewards card that provides excellent benefits and perks to Delta frequent flyers. The rewards rate on purchases is not high – only Delta purchases receive a 2x miles per $1 rate – but it's the luxury travel benefits and Medallion Qualification Miles that make this card attractive to travelers who like to travel in style.

However, the card has a $450 annual fee, which only frequent flyers will be able to justify. The exclusive Delta perks are great, but there are other prime traveler reward cards with annual fees of under $100 that may be a better deal for those who are not frequent flyers with Delta. 

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days)
25
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$38
Returned Payment Fee
$38
Annual Fee
$450
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Flight Insurance
Lost Luggage Insurance
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
All Other Purchases
1 mile for every $1
Every Purchase
2 miles for every $1
No Reward Expiration Period
Rewards Categories
  • Airfare
  • Every Purchase
Signup Bonus (points)
40,000
Annual Loyalty Bonus Spend Requirement
$30,000
Annual Loyalty Bonus (points)
15,000
Purchase APR
(Variable APR)
17.24% - 26.24%
0% 29%
Cash Advance APR
(Variable APR)
Starting at
26.74%
Balance Computation
average daily balance (including new purchases)
Penalty APR
29.99%
Balance Transfer APR
(Variable APR)
17.24% - 26.24%
8% 29%

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