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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 15.99% APR to 24.99% APR, which is standard for a premium travel rewards card. Cash advances have a 25.49% APR and borrowers who are late on their payments trigger a 29.49% 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) balance transfer fee and 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 Medallion Qualification Miles. If they spend $60,000 or more, there is an additional 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 when approved for the card and 10,000 bonus miles once they make their first purchase on the card. Only the 10,000 bonus miles can be redeemed. The 10,000 MQM 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. 

  • Card Type
    Rewards
  • Customer Type
    Personal
  • Card Network
    American Express
  • Credit Score Range
    700 - 850
  • Minimum Age
    18
  • Annual Fee
    $450
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $38
  • Returned Payment Fee
    $38
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Penalty APR
    29.49%
  • Purchases APR
    15.99% - 24.99%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    15.99% - 24.99%
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