Delta SkyMiles Reserve American Express
50,000 miles welcome · 3x on airlines · $650/yr
The Delta Reserve is the card for travelers who live in Delta's network and want lounge access: 15 Delta Sky Club visits per Medallion Year, unlimited visits after $75,000 in calendar-year spend, and Centurion Lounge access when your Delta flight is booked with the card. Its annual companion certificate is also the most flexible in the Delta lineup, valid in First, Premium Select, Comfort, or Main. The catch is a $650 annual fee and thin everyday earning of 3 miles per dollar on Delta and 1 mile on everything else, so the value depends on using the lounges, the companion pass, and credits like $20 a month at Resy, up to $200 on Delta Stays, and $10 a month on rideshare. The welcome offer has also been reworked: the miles portion fell from 100,000 to 50,000 miles, now paired with two round-trip Delta Comfort Flight Certificates, after a steep $10,000 spend in 6 months, ending November 4, 2026. For heavy Delta flyers chasing status with $1 MQD per $10 spent, it fits; everyone else will struggle to justify the fee.
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 |