Delta SkyMiles Reserve Business American Express Card Review

Delta SkyMiles Reserve Business American Express Card Review

The rewards offered by the Delta SkyMiles Reserve American Express card are impressive, but it’s the perks that really stand out. Card members can enjoy complimentary access to Delta Sky Club and Centurion Lounge, a free checked bag, priority boarding, a discount on in-flight purchases, and an annual companion certificate for bringing a guest on your paid ticket. Plus, for business owners looking for a great bonus, there’s an opportunity to earn 110,000 bonus miles after spending $12,000 on purchases within the first six months (limited-time offer ends 3/27/24).

In this article, we’ll delve into the comprehensive review of the Delta SkyMiles Reserve American Express card and talk about its benefits, features, all kinds of rates and fees, and comparisons with other similar credit cards.

Let’s start with quick highlights!

Quick Highlights

• This is a limited-time offer: Earn 110,000 bonus miles after spending $12,000 in purchases on your new card in your first six months of Card Membership. Offer Ends 3/27/24.
• Enjoy complimentary Delta Sky Club access for yourself and up to two guests ($50 per person per visit starting 2/1/25, unless you spend $75,000+ in a calendar year).
• Earn 3x miles per dollar on Delta purchases.
• Earn 1.5x miles on eligible transit, U.S. shipping, and U.S. office supply store purchases (increased to all purchases after $150,000 spent in a year).
• Get closer to Medallion® Status with MQD Headstart ($2,500 MQDs) and MQD Boost ($1 per $10 spent).
• Receive a companion certificate each year after renewal for domestic, Caribbean, or Central American roundtrip flights.
• Earn up to $20 in statement credits per month on eligible Resy purchases with your enrolled card.
• Earn up to $10 in statement credits per month for U.S. rideshare purchases with select providers.
• Save 15% on Delta award flights (excluding partner-operated flights and taxes/fees).
• Complimentary first-checked bag on Delta flights.
• Complimentary access to The Centurion® Lounge or Escape Lounge when purchasing a Delta flight with your Card.
• Enjoy Main Cabin 1 Priority Boarding on Delta flights.
• You can earn up to $250 in annual statement credit for booking prepaid hotels or vacation rentals through Delta Stays on delta.com.
• There are no foreign transaction fees.

Benefits and Features of the Delta SkyMiles Reserve Business Card

The Delta Sky Miles Reserve Business Card offers a variety of exclusive benefits and features to elevate your travel experience. From priority boarding to statement credits, this card has everything you need for a seamless and luxurious journey.

Travel

• Complimentary Upgrade Eligibility: As a Delta Sky Miles® Reserve Business Card Member, you will have the opportunity to enjoy complimentary upgrades on Delta flights. ‡ Eligible routes include both domestic and international flights, giving you more options and flexibility for your travels.
• $250 Delta Stays Credit NEW: Elevate your travel experience with an annual statement credit of up to $250 after using your Delta Sky Miles® Reserve Business Card for eligible Delta purchases. Terms apply.
• Complimentary Hertz President’s Circle Status: As a Delta Sky Miles® Reserve Business Card Member, you can receive complimentary Hertz President’s Circle Status. Enrollment in the Hertz Gold Plus Rewards program is required, and terms apply. To access this benefit, simply add your Hertz Gold Plus Rewards Account Number to your Delta Sky Miles® Reserve Business Card account.
• Priority Boarding on Delta Flights: Save time and hassle with priority boarding on all Delta flights. Simply present your Delta Sky Miles® Reserve Business Card at the gate to enjoy this perk.
• Annual Miles Boost: Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after spending $30,000 in eligible purchases on your Delta Sky Miles® Reserve Business Card in a calendar year. Earn an additional 15,000 MQMs and 15,000 bonus miles after spending $60,000 in eligible purchases within the same calendar year. Terms apply.
• Global Entry and TSA PreCheck® Enrollment Credit: The Delta Sky Miles® Reserve Business Card offers a statement credit for the cost of an application fee for either Global Entry or TSA Recheck®. These programs can expedite your travel experience by reducing wait times at US Customs and expediting security screening.

Additional Benefits of Delta SkyMiles Reserve Business Card

• No Foreign Transaction Fees: Travel freely without worrying about foreign transaction fees with your Delta Sky Miles® Reserve Business Card.
• Concierge Services: The American Express Concierge is available to assist you with everything from making dinner reservations to purchasing tickets for a sought-after event. Simply call the number on the back of your card and select or say “Concierge” when prompted.
• Trip Delay Insurance: If your trip is delayed more than 6 hours due to a covered reason, you can be reimbursed for certain additional expenses purchased on the same Eligible Card, up to $500 per trip and a maximum of 2 claims per year. New Hampshire Insurance Company, an AIG Company, provides terms that apply for coverage.
• Trip Cancellation and Interruption Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason cancels or interrupts your trip, you can be reimbursed for non-refundable travel expenses up to $10,000 per trip and $20,000 per year. New Hampshire Insurance Company, an AIG Company, provides terms that apply for coverage.
• Baggage Insurance Plan:  Travel with peace of mind knowing that your carry-on and checked baggage are covered in the event of loss, damage, or theft when you purchase the entire fare for a common carrier vehicle ticket with your Eligible Card. Up to $1,250 is provided for carry-on baggage and up to $500 for checked baggage, in excess of the coverage provided by the common carrier. For New York State residents, there is a $10,000 aggregate maximum limit per covered trip for all covered persons. Please read important exclusions and restrictions.
• Car Rental Loss and Damage Insurance: Say goodbye to worries about car rental damages or theft with the Delta SkyMiles® Reserve Business Card. When you use your Eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental company counter, you can be covered for damage to or theft of a rental vehicle in a covered territory. Certain exclusions and restrictions may apply, and coverage is not available for vehicles rented in Australia, Italy, and New Zealand. Keep in mind that this product provides secondary coverage and does not include liability coverage. For more details, please refer to the terms and conditions of your card membership.

Delta SkyMiles Reserve Business Card Rates and Fees

• Annual Fee: $650
• Foreign Transaction Fee: None
• Late Payment Fee: Up to $39
• Over limit Fee: None
• Returned Payment Fee: $39
• Intro Purchase APR: N/A
• Regular APR: 20.99% – 29.99% Variable
• Intro Balance Transfers APR: N/A

Rewards Rate

As a Delta SkyMiles Program member, you can earn miles toward various rewards such as flights, seat upgrades, merchandise, gift cards, and more. These miles do not expire, and there is no limit to how many you can earn.

• 3 Miles: You can earn 3 miles for every dollar spent on eligible purchases made directly with Delta.
• 1.5 Miles Enhanced: With the enhanced earning potential, you can earn 1.5x miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all other eligible purchases after spending $150,000 in a year on your Card.11 Please note that if your purchase qualifies for a category with a higher mileage accelerator, only the higher accelerator will apply.
• 1 Mile: For all other eligible purchases, you can earn 1 mile for every dollar spent.

How to Redeem Delta SkyMiles Rewards

There are several ways to redeem your Delta SkyMiles, with varying redemption values:

• Book Award Travel: This is the most common way to use your miles. You can redeem them for flights on Delta or any of their SkyTeam alliance partners, though award prices vary depending on factors like destination, seasonality, and demand.

• • TakeOff15 Benefit (Delta SkyMiles Reserve Business Card): Cardholders receive a 15% discount on Delta award flights, increasing the value of their miles.
• Pay with Miles: Use your miles in $50 increments to cover a portion of the cost of eligible flights (at least 1 cent per mile value).
• Upgrade Flights: Redeem miles to upgrade your seat to a higher class of service on Delta flights.
• Delta Sky Club: Use miles to purchase a Delta Sky Club membership or premium drinks at the lounge.
• Cover Fees: Pay for airline fees like same-day change fees or ticket change fees with your miles.

Additional Delta SkyMiles® Reserve Business Card Services

• Extended Warranty: Extend the original manufacturer’s Warranty on covered purchases in the US or its territories for up to one additional year (for warranties of 5 years or less).
• Purchase Protection: Protect your covered purchases for up to 90 days from the purchase date in case of theft, accidental damage, or loss—up to $10,000 per occurrence and $50,000 per calendar year.
• Cell Phone Protection: Reimbursement for damaged or stolen cell phone repair/replacement (up to $800 per claim, two claims per 12 months). Requires cell phone line listed on a wireless bill paid by the Card in the previous month. A $50 deductible applies. Coverage is provided by New Hampshire Insurance Company (AIG Company).
• Dispute Resolution: American Express will assist you in resolving fraudulent or incorrect charges on your statement.
• Amex Offers: Add Amex Offers to your Card directly from the American Express App and earn rewards on qualifying purchases (in-store and online).

Delta SkyMiles Reserve Business American Express Card: Application and Eligibility Criteria

Applying for the Delta Sky Miles Reserve Business American Express Card is possible if you meet the following criteria:

• Business Ownership: You must be a business owner with a valid business tax ID (EIN) or Social Security number.
• Age: You must be at least 18 years old.
• Creditworthiness: While American Express doesn’t publish a specific credit score requirement for this card, it typically targets applicants with good to excellent credit history (generally above 670).
• Recommended Credit Score Needed: You need a FICO Credit score of 670-850, generally Good to Excellent.
• U.S. Residency: You must have a valid U.S. address.
• Income: While there’s no official income requirement, it’s recommended to have sufficient income to comfortably cover card expenses.

Here’s how to apply for the card:

• Visit the American Express website for the Delta SkyMiles® Reserve Business Card: American Express
•  Click on the “Apply Now” button.
• Fill out the online application form, providing your business information, financial details, and contact details.
• American Express will review your application and notify you of their decision within a few days.

Customer Service

• Helpline Number: 1-800-323-2323
• Official Website: American Express

24/7 Relationship Care Service

Delta SkyMiles® Reserve Business Cardholders enjoy access to American Express®’s special Relationship Care® service. This program provides you with 24/7 support from specially trained Customer Care Professionals who understand the needs of small business owners. With Relationship Care®, you can get answers to your questions and business-savvy support whenever you need it simply by calling the number on the back of your Card.

Conclusion

The Delta SkyMiles Reserve Business American Express Card caters to frequent business travelers loyal to Delta airlines, offering maximized Delta SkyMiles earnings and premium travel benefits. While it carries a high annual fee of $650, the card boasts a lucrative welcome bonus, complimentary Delta Sky Club access (with limitations), bonus miles on various categories, and features to help you achieve Medallion® Status. Additional perks include travel credits, insurance coverage, purchase protection, and 24/7 customer service.

WhatCard recommended Credit Cards

• Discover it Miles Credit Card Review
• The Business Platinum Card from American Express Review

[flexible-faqs id=’1906′]