For its high annual fee, the rewards offered by the Delta SkyMiles® Reserve Business American Express Card (terms apply, see rates & fees) are a bit underwhelming—but the perks are solid. For business owners and operators who fly Delta often, the card may be worth the cost, but consider carefully.
Rewards: Earn 3 miles per dollar on eligible purchases made directly with Delta, 1.5 miles per dollar on eligible transit, U.S. shipping and U.S. office supply store purchases and 1 mile per dollar on all other eligible purchases. After spending $150,000 in a calendar year, earn 1.5 miles per dollar on eligible purchases the rest of the year.
Welcome offer: Earn 80,000 bonus miles after spending $10,000 in purchases in the first 6 months of card membership.
Annual fee: $650
Other benefits and drawbacks: The Delta SkyMiles® Reserve Business American Express Card offers complimentary access to the Centurion Lounge, Delta Sky Clubs and Escape Lounge when flying Delta same-day (effective 2/1/25, cardholders will receive 15 Delta Sky Club visits per year; unlimited visits can be earned when total purchases exceed $75,000 in 2024 and each calendar year thereafter).
Cardholders also receive four one-time guest passes for access to the Delta Sky Club, a Delta Companion certificate good for first class, Comfort+ or main cabin round trip domestic, Caribbean or Central America trip upon renewal each year (you must pay taxes and fees, terms apply), Zone 5 priority boarding, first checked bag free, access to a concierge and a Global Entry or TSA PreCheck® statement reimbursement credit. Other more standard benefits include trip delay insurance³, trip cancellation and interruption insurance³, a baggage insurance plan², car rental loss and damage insurance¹, extended warranty protection², purchase protection² and cellphone protection⁴.