Delta SkyMiles Reserve Business American Express
200,000 miles welcome · 3x on airlines · $650/yr
The reason to look right now is the welcome offer: 200,000 miles after $20,000 of spend in 6 months, raised from 80,000 in late August and set to end November 4, 2026. That is a large enough haul to cover several years of the $650 annual fee, but the $20,000 requirement means it only makes sense for a business that can hit it without manufacturing spend. Ongoing, this is a lounge and status card: 15 Delta Sky Club visits per Medallion Year with unlimited access after $75,000 of purchases, Centurion Lounge access on same-day Delta tickets bought with the card, an annual companion certificate usable up to Delta First, a $2,500 MQD headstart, and $1 MQD per $10 spent. The earn rate is the weak spot at 3x on Delta purchases, 1.5x on transit, U.S. shipping, and U.S. office supply stores, and 1x on everything else until $150,000 of annual purchases lifts the base to 1.5x. Credits worth up to $250 a year on Delta Stays, $240 on Resy, and $120 on rideshare help close the gap, but only count the ones your team will genuinely use.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Delta purchases | 3x |
Transit Eligible transit, U.S. shipping, and U.S. office supply stores | 1.5x |
Shipping U.S. shipping providers | 1.5x |
Office Supply Stores U.S. office supply stores | 1.5x |
Everything Else All purchases earn 1.5x after $150,000 in eligible purchases in a calendar year | 1x |
| Benefit | Value |
|---|---|
Delta Stays Credit Up to $250 back per year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com | $250 /yr |
Resy Dining Credit Up to $20 in statement credits each month on eligible Resy purchases | $240 /yr |
Rideshare Credit Up to $10 in statement credits each month on U.S. rideshare purchases with select providers | $120 /yr |
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 |
Cell Phone Protection Reimburses repair or replacement of a damaged or stolen cell phone up to $800 per claim, 2 claims per 12-month period, with a $50 deductible, when the wireless bill is paid with the card | $800 |
| Total annual credits | $640 |
Card details
Regular APR | 19.49%–28.49% variable |
Foreign transaction fee | None |