Delta SkyMiles® Reserve American Express Card
Premium Delta Travel Card
Annual Fee
$650
Earning Rate
3x Delta flights & purchases made directly with Delta • 1x everything else
Welcome Bonus
2 Delta Comfort round-trip flight certificates + 50,000 miles after $10,000 spend in 6 months (offer ends 11/4/2026)
Card Material
Metal card with matte finish
Practical Recommendation
This one is for people who actually fly Delta. The math works if you'll use the Delta Sky Club visits, book the annual companion ticket, and can reliably cash in the monthly credits. Earning is simple (3x on Delta, 1x on everything else), so this is not a "every swipe" accelerator—it's a status and lounge play. June 2026 sweetened it a bit: a free second checked bag on domestic Delta flights, and the companion certificate now works on Premium Select and on the flight portion of Delta Vacations packages.
The current welcome offer is a different animal than the usual pile of miles—two Delta Comfort round-trip certificates plus 50,000 miles—but it takes $10,000 of spend in six months to get there, so do not chase it unless that spend is already happening. If you just want easy rewards on everyday purchases, look elsewhere. Bottom line: frequent Delta flyers win; casual travelers will feel the $650.
Credits
Practical Advice
This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.
- $240 Resy dining credits (up to $20/month) – Statement credits after you pay at U.S. restaurants that take Resy (in-app or via saved card). Enrollment required. No rollovers; unused months are $0. Practical value: great if you dine out monthly; set a reminder and treat it like a $20 coupon, not a dinner plan.
- $120 rideshare credits (up to $10/month) – Statement credits after eligible U.S. rideshare charges with select providers. Enrollment required. Caps at $10 per month; no rollovers. Practical value: easy if you take a couple of rides a month; worth $0 if you rarely ride.
- $200 Delta Stays credit – Up to $200 back per calendar year on prepaid hotels or vacation rentals booked through Delta Stays at delta.com. Portal-only and prepaid means you should compare prices; sometimes cheaper direct. Practical value: strong if you already book one prepaid stay; $0 if you never use Delta's portal.
- Global Entry or TSA PreCheck® application fee credit – One statement credit every 4 years for Global Entry (up to $120) or every 4½ years for TSA PreCheck (up to $85) when you pay the application fee with the card. Practical value: this can save you from buying separate expedited security.
Click Here to Calculate Your Annual Fee
Credit
Include
Your Value
Practical Tip
You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.
Resy Dining Credits
| What It Is: | $20 in statement credits per month (up to $240/year) at eligible U.S. Resy restaurants. |
| How It Works: | Enroll, pay with the card via Resy or a saved card; credit posts after the charge. |
| Gotchas: | No rollovers; must be U.S. Resy restaurants; excludes many non-Resy spots. |
| Who Actually Benefits: | Anyone who dines out once a month at places bookable on or payable via Resy. |
| Practical Value: | Easy $240 if you plan a monthly meal; set a calendar nudge and use it. |
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Rideshare Credits
| What It Is: | $10 per month in statement credits (up to $120/year) on eligible U.S. rideshare providers. |
| How It Works: | Enroll, pay with the card; credits post after eligible charges. |
| Gotchas: | Monthly cap; unused months do not roll over; provider list can change. |
| Who Actually Benefits: | Regular Uber/Lyft (or other eligible) riders. |
| Practical Value: | Treat it as $10 off your first monthly ride. |
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$0
Delta Stays Credit
| What It Is: | Up to $200 per calendar year back on prepaid hotels or vacation rentals booked through Delta Stays at delta.com. |
| How It Works: | Book and prepay through Delta Stays with the card; statement credits post after the charge. |
| Gotchas: | Portal-only pricing; prepaid bookings; benefits/elite credit with hotel chains may not apply. |
| Who Actually Benefits: | Travelers who already book prepaid hotels and can compare portal vs. direct prices. |
| Practical Value: | Good $200 if a portal rate matches your plans; compare before you click. |
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Your Value:
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TSA PreCheck / Global Entry Credit
| What It Is: | One application fee credit every 4 years for Global Entry (up to $120) or every 4½ years for TSA PreCheck (up to $85). |
| How It Works: | Pay the fee with the card; the statement credit posts automatically. |
| Gotchas: | One credit per 4 years, so if you already have it, you'll need to gift it to a friend or family member. Doesn't stack with other cards offering the same perk. |
| Who Actually Benefits: | Anyone without TSA PreCheck/Global Entry yet. Frequent travelers especially. |
| Practical Value: | Solid $120 saved every 4 years—about $30 a year. |
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Your Value:
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Annual Fee:
$650
Your Credits:
$0
YOUR Annual Fee:
$650
This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.
Perks
- Earning, at a glance – 3x miles on Delta flights and purchases made directly with Delta; 1x on everything else. Simple earn means this card shines for Delta loyalists, not for groceries and gas.
- TakeOff 15 (award discount) – Get 15% off the miles needed on Delta-operated award flights booked on delta.com or the Fly Delta app. Helpful for stretching miles; not valid on partners or taxes/fees.
- Delta Sky Club access (visit allotment) – 15 visits per Medallion year when flying Delta; unlock unlimited visits after $75,000 calendar-year spend. Includes four one-time guest passes annually; otherwise guests are $50 each. Also subject to the 3-hour pre-departure rule.
- The Centurion Lounge and Escape Lounges (when flying Delta) – Complimentary entry when you purchase your Delta flight with this card; guests may enter for a fee. Handy when your airport has a Centurion or an Escape Lounge.
- Annual companion certificate – After each renewal, get a round-trip companion ticket valid in Delta First, Delta Premium Select, Delta Comfort, or Main Cabin for travel within the continental U.S., Puerto Rico, USVI, Mexico, the Caribbean, or Central America (plus $22–$250 in taxes/fees for up to four segments). Alaska and Hawaii are not eligible. As of June 2026 you can also apply it to the flight portion of a Delta Vacations package. Great for high-fare routes; it books into discount fare classes, so read the rules before you plan around it.
- Status accelerators – Receive $2,500 Medallion Qualification Dollars automatically each year ("Headstart") and earn $1 Medallion Qualification Dollar per $10 in purchases ("Boost"). This helps push you toward Delta status without extra flights.
- Checked bags + priority boarding – First bag free worldwide for you and up to 8 companions on the same reservation. Since June 2026 there's a free second bag on domestic Delta-operated flights, but that one covers the primary Cardmember only. Plus earlier boarding. Good if you check bags even a couple of times a year.
- Hertz President's Circle status – Better cars and upgrades (when available). Enrollment steps required with your SkyMiles and Hertz accounts linked.
- No foreign transaction fees – Take the card abroad without the +3% nonsense.
Protections
- Trip delay insurance – If a round-trip paid entirely with the card is delayed 6+ hours for a covered reason, get reimbursed for reasonable expenses (meals, hotel) up to $500 per trip, Max 2 claims per 12 months.
- Trip cancellation & interruption insurance – If a covered reason cancels or interrupts your trip paid with the card, get reimbursed up to $10,000 per trip and $20,000 per 12 months for non-refundable costs.
- Baggage insurance plan – When you buy the entire fare with the card, coverage up to $1,250 for carry-on and $500 for checked bags (excess to the airline).
- Car rental loss & damage insurance – Decline the rental counter's collision damage waiver; the card covers damage or theft (territory and vehicle exclusions apply). Primary coverage available separately through Premium Protection.
- Purchase protection – Covers accidental damage or theft on eligible new purchases within 90 days, up to $10,000 per occurrence and $50,000 per year. That is ten times the limit on the Gold and Platinum Delta cards—one of the few places the Reserve's fee shows up in the fine print.
- Extended warranty – Adds up to one extra year on eligible U.S. manufacturer warranties of 5 years or less, up to $10,000 per item.
- Return protection – If a merchant won't take it back within 90 days, Amex may refund up to $300 per item and $1,000 per year. The Gold and Platinum Delta cards don't have this; the Reserve is one of the few Amex cards that kept it.
- Cell phone protection – Pay your monthly wireless bill with the card and get up to $800 per claim, 2 claims per 12 months, $50 deductible, for theft or damage.
Delta Sky Clubs
A big perk of the Delta Reserve (American Express) is lounge access — Delta Sky Clubs, plus Centurion Lounges and Escape Lounges in specific cases. If a Sky Club lives at your home airport, it's a real quality-of-life upgrade: better food than the concourse, working seats with outlets, and showers at many hubs. Crowds happen; lines are common at peak times, and Delta enforces a three-hour pre-departure rule. Check locations and hours before you go, and expect a waitlist when it's slammed.
Guest Access
- Delta Sky Club – Reserve cardholders get 15 visits per Medallion Year (Feb 1–Jan 31) when flying Delta or a Delta-marketed flight; unlimited visits unlock with $75,000 calendar-year spend on the Reserve account. Guests cost $50 per person (or $25 for Grab & Go), up to 2 guests or immediate family. Basic Economy is not eligible. One "Visit" covers 24 hours of entries on the same trip. Entry allowed within 3 hours of scheduled departure (connections excepted). — Access & policies
- Centurion Lounges (when flying Delta on a Reserve-booked ticket) – Complimentary entry for the cardholder on a same-day Delta flight purchased with the Reserve card. Amex tightened the rules on July 8, 2026: entry is within 3 hours of departure (up to 5 hours before a connecting flight during a layover), and guests must now be booked on the same itinerary as you. Guest fees are $50 per adult and $30 per child ages 2–17; under 2 are free. Capacity control is strict. — Amex lounge details
- Escape Lounges — The Centurion Studio Partner (U.S.) – Free for Reserve cardholders when you're flying a Delta-marketed or Delta-operated flight that day (no extra fee required). You can bring up to 2 guests at a per-visit fee charged by the lounge (varies by location). Access is capacity-controlled. — Escape Lounges access
Delta Sky Clubs (U.S. & Tokyo)
(Terminals/areas summarized; check the official page for hours and exact gates.)
- Atlanta (ATL) – 8 total: concourses A (two clubs), B, C, D (Centerpoint), E, F, and T. Plane Train links all concourses airside. — See locations list
- Austin (AUS) – Barbara Jordan Terminal, near Delta gates. — See locations list
- Boston (BOS) – Terminal A (near A18) and Terminal E (near E13; new international club). Terminals connect landside; use connectors airside where posted. — See locations list
- Charlotte (CLT) – Concourse A mezzanine (new). CLT concourses interconnect airside. — See locations list
- Chicago–O'Hare (ORD) – Terminal 5, near Delta gates; ATS links all terminals landside. — See locations list
- Cincinnati (CVG) – Concourse B, central area. — See locations list
- Dallas–Fort Worth (DFW) – Terminal E, near E11. Skylink connects terminals airside. — See locations list
- Denver (DEN) – Concourse A, near A gates for Delta. Train links A/B/C airside. — See locations list
- Detroit (DTW) – Concourse A (mid-concourse link area) and Concourse C. ExpressTram runs along A. — See locations list
- Fort Lauderdale (FLL) – Terminal 2, near Delta gates. — See locations list
- Honolulu (HNL) – Terminal 2, Garden Court area. Terminals connect airside via walkways. — See locations list
- Indianapolis (IND) – Concourse A, mezzanine. — See locations list
- Jacksonville (JAX) – Main concourse near Delta gates. — See locations list
- Kansas City (MCI) – Single terminal, mezzanine near B gates. — See locations list
- Los Angeles (LAX) – Terminal 3 flagship Sky Club (Sky Deck); connector to TBIT. — See locations list
- Miami (MIA) – Concourse H/J connector area for Delta departures. — See locations list
- Memphis (MEM) – Concourse B, near central rotunda. — See locations list
- Milwaukee (MKE) – Concourse D area. — See locations list
- Minneapolis–St. Paul (MSP) – Multiple clubs in Terminal 1: near F/G connector, G, and C. Trams/walkways connect concourses airside. — See locations list
- Nashville (BNA) – Concourse B, near B3–B5. — See locations list
- Newark (EWR) – Terminal A, near A8 (new club). Terminals linked landside by AirTrain. — See locations list
- New York–JFK (JFK) – Terminal 4, two clubs (A-gates and B-gates areas). No airside links between terminals. — See locations list
- New York–LaGuardia (LGA) – Terminal B, large flagship club near central headhouse. Terminals are not airside-connected. — See locations list
- Orlando (MCO) – Terminal B, airside 4 near 70s gates. — See locations list
- Palm Beach (PBI) – Concourse C area. — See locations list
- Philadelphia (PHL) – Terminal D connector near D6. Terminals D/E connect airside. — See locations list
- Phoenix (PHX) – Terminal 3, level 4 near B22. — See locations list
- Portland (PDX) – Concourse D/E connector area. — See locations list
- Raleigh–Durham (RDU) – Terminal 2, near Gate C3. — See locations list
- San Diego (SAN) – Terminal 2, West near 47–51. — See locations list
- San Francisco (SFO) – Terminal 1, Boarding Area C; airside walkway to International A. — See locations list
- Seattle (SEA) – Concourse A (two clubs: near A1 and A11). Underground trains link concourses airside. — See locations list
- Salt Lake City (SLC) – Concourse A flagship club near A18; long concourse, allow time to walk. — See locations list
- Tampa (TPA) – Airside E near E68. — See locations list
- Washington National (DCA) – Terminal 2 (B/C), central area just past South Security. Note: Terminals aren't airside-connected to Terminal 1. — See locations list
- Anchorage (ANC) – Concourse C, seasonal hours. — See locations list
Tip: Delta is opening and refreshing clubs regularly (e.g., ATL Concourse D Centerpoint, CLT Concourse A mezzanine, EWR Terminal A at A8, BOS Terminal E by E13). Check the official page for the latest before you rely on a specific location. — Master locations list