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Delta Skymiles Reserve Business Card Review

overall rating

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The Delta Skymiles Reserve Business card charges a hefty $550 annual fee but offers an annual domestic companion certificate, airport-lounge access, and other travel benefits. Earn 100,000 bonus miles after you spend $6,000 in purchases on your new Card within your first 3 months (offer ends 3/29/23).

Delta SkyMiles® Reserve Business Card

Overall Rating
Delta SkyMiles® Reserve Business Card
On American Express' Secured Site.
Current Offer

Earn 100,000 bonus miles after you spend $6,000 in purchases on your new Card within your first 3 months. Offer ends 3/29/23.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Regular APR (%) 20.49% - 29.49% variable
Annual Fee $550
Rewards Earning Rate Earn 3 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
Cash Advance APR (%) 29.99%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
how this card stacks up
When compared among all business cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Delta Skymiles Reserve Business card is not one of our top-rated airline credit cards. You can review our list of the best airline credit cards for what we think are better options.

Full Review of Delta Skymiles Reserve Business Card

See rates and fees

  • Valuable travel benefits

  • Opportunity for Annual Miles Boosts

  • High annual fee

Pros Explained

  • Valuable Travel Benefits: Premium business cards, especially those with high annual fees, invariably come with alluring travel extras, and the Delta Skymiles Reserve Business card is no exception. Cardholders receive complimentary access to the Delta Sky Club and Amex Centurion (when traveling with Delta and paying with their Delta Skymiles Reserve Business card) airport lounges, along with two Sky Club guest passes; priority boarding; a credit for Global Entry or TSA Precheck; savings on in-flight purchases; and a free checked bag per flight. The most valuable benefit, however, is the card's annual companion certificate, granted when you renew your membership. It allows you to bring a companion with you on a round-trip flight provided you pay for applicable taxes and fees, which are capped at no more than $80.
  • Opportunity for Annual Miles Boosts: This card helps big spenders get more of the cherished MQMs (medallion qualification miles) needed to qualify for elite status in Delta’s SkyMiles loyalty program. If your card purchases in any calendar year total at least $30,000, you'll be rewarded with an extra 15,000 MQMs. Added to the 10,000 MQMs you could receive with the one-time offer, the bonus will easily allow you after your first year with the card to reach the 25,000 MQMs it takes to earn Silver Medallion Status. Truly enormous spenders can even earn an additional 15,000 MQMs each time they reach a higher spending threshold within the same calendar year—of $60,000, $90,000, and $120,000.

Cons Explained

  • High Annual Fee: While high annual fees aren't uncommon for luxury business cards, few of them charge quite this much. Indeed, we found only one—the American Express Platinum Business card, which charges a lot more at $695 a year. You might justify that cost through rewards or the value of the card’s included benefits. But the risk, of course, is that you won’t, particularly after the first year, when the one-time offer is no longer available. 

This Card is Best For

  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for International Traveler Persona
    Travels outside of U.S. on occasion or frequently
    International Traveler
  • Avatar for Business Owner Persona
    Earning a primary or side income from a small business
    Business Owner

The Delta Skymiles Reserve Business card is best suited to enterprises whose employees are very loyal to Delta, and who fly nearly continually. A heavy travel schedule is needed to justify this card’s annual fee and to take full advantage of its benefits. 

To illustrate, consider that charging $1,000 per month in Delta purchases to this card would earn 36,000 miles over a year. We estimate those rewards would be worth $518.40 when redeemed for domestic flights on Delta. That's just below the card's $550 annual fee but at least illustrates how even modest spending can justify the high fee.

Alternatively, let's say you spent a quarter as much on flights, as you might if you took only a domestic business flight every second month or so. Since that spending would yield miles worth around $130, you’d need to spend heavily on regular purchases to earn back the remaining portion of the annual fee.

Delta Skymiles Reserve Business Bonus Offer 

Earn 100,000 bonus miles after you spend $6,000 in purchases on your new Card within your first 3 months (offer ends 3/29/23). We estimate those bonus miles to be worth $864 when redeemed for Delta flights. The MQMs will help you obtain elite (or "Medallion") status with Delta, the lowest level of which (Silver) requires 25,000 MQMs.

Notably, you can get a bonus offer that's nearly as valuable with the Delta SkyMiles Platinum Business, with an annual fee of only $250. It offers 85,000 Bonus Miles and 5,000 MQMs after you spend $4,000 in purchases on your new card within your first three months.

Rewards Earning Details

Cardholders earn an unlimited 3 miles per dollar spent on purchases made from Delta. In addition to flights booked directly with the airline, Delta purchases can include in-flight purchases, Sky Club membership and passes, and Delta Vacations packages.

All other eligible purchases on the card earn 1 mile per dollar. Those increase to 1.5 miles per dollar if you meet a spending threshold. But that bar is a high $150,000 in spending within a calendar year. 

Rewards Redemption Details

Any SkyMiles you earn can be redeemed in a number of ways, including for Delta flights, seat upgrades, the Delta Sky Club, merchandise, gift cards, and experiences.

To start redeeming Delta rewards, you must be enrolled in the Delta SkyMiles rewards program. You can redeem them through Delta's website, via phone, or at the Delta ticket counter.

Transferring Points

Transferring points from Delta to other loyalty programs can't be done directly. However, it is possible to transfer points from select loyalty programs to your Delta airline loyalty program and convert them to Delta SkyMiles. You can convert points from credit card, car rental, and hotel partners.

It's important to keep in mind that conversions like this can be costly and may require more than one partner point to earn a SkyMile. In addition, there may be a fee for transferring points.

How to Maximize Your Rewards

To get the most out of this card, start by using it for all of your business-related expenses. Make Delta purchases your priority, which earns 3 miles per dollar spent. With each mile worth 1.44 cents, according to Investopedia's valuation, those rewards amount to almost 5%, a level that would be hard to beat if you charged Delta flights to any other card.

It's also wise, of course, to spend at least $6,000 per month within the first three months of card membership to earn the 100,000-point one-time offer. That one-time offer is valuable enough to be worth making regular purchases with the card in order to reach its threshold.

All non-Delta purchases on the card earn 1 mile per dollar and are thus worth about 1.44 cents apiece, which puts the card on par for all transactions with the many that offer cash back of 1.5% per dollar spent. If you manage to hit $150,000 in annual spending—which requires a spend of at least $12,500 per month—your rewards rate on non-Delta purchases moves up to 1.5 miles per dollar spent. That rate rivals or even beats cards that offer 2% in cash back.

If you're pursuing elite status, charging $30,000 on this card within a calendar year will earn you an additional 15,000 MQMs. Combined with the one-time offer, you'd reach the 25,000 MQMs required to receive Silver Medallion Status with the airline. And that, in turn, could add further value to the card, since SkyMiles status will contribute anywhere from 5 to 11 additional miles to your SkyMiles account for every dollar you spend with Delta.   

Finally, taking full advantage of this card's many benefits could allow you to forego charges you’d otherwise incur. The annual companion certificate that provides a domestic first-class or main cabin round-trip flight each year could alone be worth hundreds of dollars. The unlimited access to the Delta Sky Club lounges that comes with the card otherwise costs $545, and membership in the Amex Centurion Lounges currently can’t be purchased.

Finally, obtain additional cards for employees who make purchases on behalf of the company in order to further increase the miles earned on the account. Of course, depending on your company policy, those employees may be entitled to retain rewards earned on their travel for their personal use. If so—or in order to allow them to do so—you can enroll your business in Delta’s corporate SkyBonus program, provided you have at least five employees with cards who together spend at least $5,000 annually on Delta flights. The program, which is free, allows both the employee and their employer to earn miles rewards on Delta flights.

Typical Case

Let's assume you use this card to book two return-trip domestic trips per month on Delta—which is actually roughly double the norm for business travelers, who take an average of about a trip or a month. You pay an average of around $7,248 per year in airfare and earn nearly 22,000 miles. Let's further assume that you put $1,000 per month on this card for various business expenses, including hotels, office supplies, marketing, insurance, and more.

In total, you'd earn about 34,000 miles worth $489.60 when redeemed for Delta flights. Let’s assume you also take advantage of the annual companion certificate for domestic travel, for which you'll pay no more than $75, to cover taxes and fees. Assuming your companion accompanies you on a business trip for which you're not out-of-pocket personally, that benefit could easily add $300 to the value of this card each year.

If you typically check a bag on domestic flights, you could also save the $60 fee per round-trip ticket on some or all of your trips.

Aspirational Case

Along with the scenario above, which would earn you close to $500, let’s say you spend a further $1,000 a month on ground travel, hotels, and other miscellaneous business expenses. That spending would add 12,000 miles, worth about $172.80, to your account. Those increased charges would also allow your spending to reach at least $30,000 in a calendar year. At that milestone, you receive 15,000 MQMs.

Delta Skymiles Reserve Business Card's Outstanding Benefits

  • Primary car-rental collision insurance*
  • Annual companion certificate
  • Complimentary Sky Club and Centurion Lounge access
  • Main-cabin priority boarding
  • Baggage-insurance plan*
  • First checked bag free
  • Concierge service

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by AMEX Assurance Company.

Standard Benefits

  • Return purchase protection*
  • Fraud protection
  • In-flight purchase discounts 

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by AMEX Assurance Company.

Cardholder Experience

American Express ranked first overall for customer satisfaction in J.D. Power's 2021 U.S. Credit Card Satisfaction Survey, placing it on a par with Discover, which scored just slightly lower.

Cardmembers can access and manage their accounts online, through the American Express app or by phone. Customer service is available by phone 24/7. Personal card members can call 1-800-528-4800 for help.

Chat assistance is also available. You can also connect with American Express on Meta or tweet questions and comments to @AskAmex.

Security Features

American Express cards come with a number of security features that are standard in the industry. You'll find fraud protection, account monitoring, pre-purchase verification, and account alerts for irregular activity.

If your card is lost or stolen, American Express will send you a replacement card, which you'll usually receive within two business days.

Our Verdict

The Delta Skymiles Reserve Business card provides plenty of luxury benefits, and the card should pay off handsomely for very frequent flyers on Delta, who will also get help moving up the status ladder with the airline’s SkyMiles program. 

But people who fly Delta only occasionally will be hard-pressed to justify the card’s $550 annual fee. Such business travelers might be better served by the Delta SkyMiles Platinum Business card. While it lacks some of the luxury extras and bonuses of the Delta Skymiles Reserve Business card, it costs $300 less—at $250—and offers comparable rewards.

If you're willing to give up still more luxuries, and you're not committed to Delta, consider opting for a less expensive business card with high rewards and a solid bonus. The Chase Ink Business Preferred card offers 3 points per dollar spent on the first $150,000 in combined purchases on travel, shipping, advertising, and internet, cable, and phone. It also has a solid 100,000-point one-time offer and Chase provides more flexibility than does Amex for redeeming points.

Next Steps
For Delta SkyMiles® Reserve Business Card
on American Express' Secured Site.
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Delta SkyMiles® Reserve Business Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Regular APR (%) 20.49% - 29.49% variable
Annual Fee $550
Rewards Earning Rate Earn 3 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.