The Delta SkyMiles® Reserve American Express Card is a premium travel credit card tailored for frequent flyers, particularly those who travel with Delta Airlines. This card offers an extensive array of benefits that cater to high-end travelers looking to enhance their travel experience, with rewards, perks, and exclusive services that can transform an ordinary flight into a luxurious journey. This guide will explore the card’s features, benefits, and how to apply for it.
Key Features of the Delta SkyMiles® Reserve American Express Card
1. Earning SkyMiles
One of the most attractive features of the Delta SkyMiles® Reserve American Express Card is its ability to help cardholders earn SkyMiles—Delta Airlines’ frequent flyer program miles that can be redeemed for flights, upgrades, hotel stays, car rentals, and more.
- Earn 3 Miles per dollar on Delta purchases: Cardholders earn 3 SkyMiles for every dollar spent on Delta flights, whether booking tickets, upgrading seats, or buying in-flight services.
- Earn 1 Mile per dollar on other eligible purchases: Every other eligible purchase, such as dining, groceries, and entertainment, earns 1 mile per dollar.
The accumulation of miles can lead to significant rewards, such as free flights, upgrades, and priority services with Delta.
2. Welcome Bonus
Upon signing up for the Delta SkyMiles® Reserve American Express Card, new cardholders can earn a substantial welcome bonus. This typically involves earning a large number of miles after spending a certain amount on purchases within the first few months. For instance, the current offer (as of 2025) includes earning 80,000 bonus miles after spending $5,000 on purchases within the first 3 months of account opening. This bonus is a fantastic way to quickly accumulate miles for future travel.
3. Access to Delta Sky Club® and Centurion® Lounges
One of the most sought-after benefits of the Delta SkyMiles® Reserve American Express Card is the complimentary access to Delta Sky Club lounges when flying on a Delta flight. These lounges offer a relaxing environment with premium amenities, including food and beverage options, free Wi-Fi, and comfortable seating. Additionally, cardholders also receive access to Centurion Lounges, which provide even more luxurious services in select airports.
4. Companion Certificate
Each year, after the cardholder renews their annual fee, they receive a Companion Certificate. This benefit allows the cardholder to bring a companion along on a domestic flight for just the cost of taxes and fees. The companion certificate is a popular perk that offers significant value, especially when redeeming for flights within the U.S.
5. Priority Boarding and First Class Priority
Delta SkyMiles® Reserve Cardholders receive priority boarding on Delta flights. This means that they can board the aircraft earlier than regular passengers, ensuring they have extra time to settle in, stow their luggage, and enjoy the flight experience. Additionally, cardholders receive First Class Priority for upgrades, providing higher chances of securing an upgrade to First Class or Delta One™ when available.
6. Global Entry or TSA PreCheck Fee Credit
The Delta SkyMiles® Reserve American Express Card provides an annual statement credit to cover the cost of applying for Global Entry or TSA PreCheck. Both of these services help expedite security checks at airports, saving travelers time. Global Entry also offers expedited U.S. customs screening for international travelers, making it highly valuable for frequent international flyers.
7. Annual Fee
The annual fee for the Delta SkyMiles® Reserve American Express Card is typically higher than that of more basic credit cards, but this is reflective of the premium benefits offered. As of 2025, the annual fee is $550. While this is a substantial fee, the perks and rewards often outweigh the cost, particularly for those who travel frequently with Delta and make use of the lounge access, companion certificate, and upgrade opportunities.
8. Purchase Protection and Travel Insurance
This card also offers several protections that provide peace of mind for cardholders when making purchases or traveling:
- Trip Delay Insurance: If a flight is delayed, cardholders can receive compensation for expenses such as meals and accommodations.
- Trip Cancellation and Interruption Insurance: Coverage is provided for non-refundable expenses if a trip is canceled or interrupted due to covered reasons.
- Car Rental Loss and Damage Insurance: This benefit covers damage to rental vehicles when rented with the card.
- Extended Warranty: The card extends the manufacturer’s warranty for purchases made with the card.
How to Apply for the Delta SkyMiles® Reserve American Express Card
Applying for the Delta SkyMiles® Reserve American Express Card is straightforward. Follow these steps to apply:
1. Check Your Eligibility
Before applying, make sure you meet the following eligibility criteria:
- Age: You must be at least 18 years old.
- Credit Score: This card is designed for individuals with excellent credit (typically a FICO score of 740 or higher). A higher score increases your chances of approval and access to the best terms.
- Income: While there is no specified income requirement, higher income levels may increase your chances of being approved.
2. Gather Necessary Information
To complete your application, be prepared to provide the following details:
- Personal information (name, address, date of birth, and Social Security number)
- Employment information (employer’s name and income)
- Financial information (including monthly income and existing debt)
3. Apply Online or In-Person
The fastest way to apply is online through the American Express website. The application process typically takes less than 10 minutes. You will be asked to create an American Express account if you do not already have one. Alternatively, you may apply over the phone or at a local branch, though the online application is often more convenient.
4. Wait for Approval
Once your application is submitted, American Express will review it and check your credit history and other relevant information. You will usually receive an approval or denial decision within a few minutes if applying online. If approved, you will receive your card in the mail within 7-10 business days.
5. Activate Your Card and Start Using It
Upon receiving your card, activate it via the American Express app or website. Once activated, you can start earning SkyMiles on your purchases and enjoy the card’s benefits right away.
Final Thoughts
The Delta SkyMiles® Reserve American Express Card is an exceptional choice for frequent Delta Airlines travelers who want to maximize their travel rewards and enjoy a range of exclusive benefits. While it comes with a higher annual fee, the generous rewards, lounge access, companion certificate, and travel insurance perks provide excellent value for those who travel often with Delta. If you’re looking to enhance your travel experiences and make the most out of every flight, this card could be a perfect fit.
To apply, visit the official American Express website, and ensure that you meet the eligibility requirements to enjoy the full range of benefits the card has to offer.
