Delta SkyMiles Reserve American Express
50,000 miles welcome · 3x on airlines · $650/yr
The Delta Reserve is built for frequent Delta flyers who want lounge access: 15 Delta Sky Club visits per Medallion Year when flying Delta (unlimited after $75,000 in calendar-year spend) plus Centurion Lounge access when your Delta flight is booked with the card. Its companion certificate is also the most flexible in the Delta lineup, covering First, Premium Select, Comfort, or Main round-trips, and $1 MQD per $10 spent on top of a $2,500 MQD headstart makes it the strongest Delta card for earning status. The catch is the $650 annual fee, which leans heavily on credits you must actively use: up to $20 a month at Resy, $10 a month on rideshare, and up to $200 for Delta Stays. The current welcome offer is 50,000 miles plus two round-trip Delta Comfort certificates after $10,000 in spend over 6 months, down from a 125,000-mile headline earlier this summer, and it ends 2026-11-04. With just 3x on Delta purchases and 1x on everything else, this is a status-and-lounge card, not a rewards earner.
Earn rates & credits
| Benefit | Value |
|---|---|
Global Entry / TSA PreCheck Credit Statement credit every 4 years for the $120 Global Entry application fee or up to $85 for TSA PreCheck | $120 every 4 yr |
Resy Dining Credit Up to $20 in statement credits each month for dining at U.S. Resy restaurants | $240 /yr |
Delta Stays Hotel Credit Annual statement credit for prepaid hotels or vacation rentals booked through Delta Stays | $200 /yr |
Rideshare Credit Up to $10 in statement credits each month for U.S. rideshare purchases with select providers. | $120 /yr |
Inflight Purchase Rebate 20% statement credit on eligible Delta inflight food and beverage purchases. | 20% |
Cell Phone Protection Up to $800 per claim to repair or replace a damaged or stolen cell phone, limit 2 approved claims per 12 months with a $50 deductible, when the prior month's wireless bill was paid with the card. | $800 |
| Total annual credits | $590 |
Card details
Regular APR | 19.49%–28.49% variable |
Foreign transaction fee | None |