$450 a year? Delta Reserve Card Review & Benefits



Delta SkyClub Access. You can access any of Delta’s SkyClubs as long as you’re traveling on a Delta flight that day. Just note that guests are not included in your access. They will cost $29 each.

The most Medallion Qualifying Miles. The Delta Reserve lets you earn up to 25,000 Medallion Qualifying Miles a year, which will get you closer to Silver, Gold, Platinum, or Diamond Medallion status. And like all Delta MQMs, any that go beyond the status level you earn for this year can roll over to help you qualify for status next year.

First Class  Companion ticket. Each year you renew the card you get a voucher that lets you bring a companion along on a domestic trip without having to pay the companion’s airfare. You just pay the taxes and fees. And it’s good for both First Class and Economy Class travel, giving you extra options for value.


$450 annual fee. Getting into SkyClubs isn’t cheap, and the $450 fee covers that. The consolation is the fee is less than Delta charges general members for SkyClub membership on its own without all of the card benefits.

There are faster earning options. While there is a boost of 15,000 miles for the first $30,000 you spend and another 15,000 after $30,000 in annual spending, you can still earn SkyMiles more quickly with at least one other card option.

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Key Features

Info. about the Delta Reserve Credit Card has been collected independently by The issuer did not provide the details, nor is it repsonsible for their accuracy.

The card earns 1 mile per dollar on most purchases and 2 miles per dollar on Delta purchases, along with a free first checked bag and priority boarding.

The main attractions though are the Delta SkyClub access, Medallion Qualifying Miles, and First Class companion certificate. If you value at least 2 of those benefits a year, then the card can be worth it.

But there are other benefits…

Priority security. This is the only card that lets you use Delta’s SkyPriority security lanes and check-in at the airport, letting you get through more quickly. There are nearly 100 airports where you can take advantage of the benefit. Of course, it also includes priority boarding, though beware that it’s ‘Group 1’ boarding, which in reality is behind First Class and Delta’s most frequent fliers.

Upgrade priority. If you’re already a Delta Medallion member, the card will give you a slight edge on upgrades. You’ll be prioritized ahead of other Medallions in your fare class and Medallion level.

Gifting Medallion Qualifying Miles. If the MQMs you earn from the Delta Reserve are more than you need, you can gift them to a friend or family member, an exclusive benefit of the Delta Reserve Card.



Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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10 thoughts on $450 a year? Delta Reserve Card Review & Benefits

  1. Jerek

    If I open a reserve card (as the primary account holder) with my wife was a secondary user for my reserve account, if she were to fly alone, would she still receive some of the Reserve perks (assuming flight was Delta and purchased using reserve card) such as:

    -access to Skylounge
    -Free first checked bag
    -priority boarding
    -potential for seat upgrades


      @Jerek: To answer your questions in order:
      -Only the primary cardholder receives complimentary access to the Delta Sky Lounge.
      -The First Checked Bag Free Benefit is limited to Basic Card Members (not Additional Card Members), and the reservation must include the Basic Card Member’s SkyMiles® number.
      -The Priority Boarding Benefit is limited to Basic Card Members (not Additional Card Members).
      -Your wife’s potential for upgraded seats would depend on her Medallion status.

      Unfortunately, most of the card benefits are only for the Basic Card Member and not Additional Card Members. If you were to travel with her on the same itinerary, then the benefits you receive would apply to her because you (the Basic Card Member) is traveling. Terms apply. This information is subject to change.

  2. Amber

    If I open a Delta Skymiles platinum card and spend $50,000 a year, I will get 30,000MQM. I will reach the silver medallion status and have 5,000 MQM to roll over to the following year right? Thanks!


      @Amber – Skymiles platinum will give you 20,000 MQMs for the $50k in spending, plus the intro bonus of 10k MQMs. So yes the 5k extra would rollover.

  3. D Richards

    Delta just changed their diamond credit card spend status to $250,000. There requirements to have miles PLUS a spend of ticket fares (They credit the lowest possible fare no matter what you spend) or credit card now $250,000 the benefits of diamond status are or may be unreachable unless you actually fly 125,000 to 200,000 miles each year. Mostly 200,000 because the spend amount is so low (Delta determines and it is not what you spend).

    CANCEL DELTA AMERICAN EXPRESS RESERVE CARD unless you can reach $250,000 in spending. Because of Delta’s new Diamond level spend increase from $25,000 to $250,000 (10 times more), there may be an unexpected consequence to American Express. The reserve card fee is $450 per year. If one million people cancel it will drop AMEX income by $450 MILLION plus the 4% fee for the spending. What if all million card holders that cancel just spent $25,000 (old level to reach diamond level) the 4% fee would reduce $1,000 of income x 1 million = $1 BILLION lost revenue. Thus in this example AMEX will lose $1.5 BILLION in revenue. AMEX had 32.12 billion in revenue in 2016. This is a drop of 4.7%. What if 10 million people have the Reserve Card and cancel. Then AMEX loses $15 BILLION in revenue or almost 50% of their income. Watch AMEX stock value over the next weeks for this potential impact.


      @Pam – yes it gets priority boarding in Zone 1 (which is behind first class, and some of Delta’s frequent flyers in the ‘Premium’ and ‘Sky’ zones). No priority baggage, but you do get a free first checked bag.

  4. Robert

    I have the American Express Delta Skymiles Reserve card. I have recently purchase a Oceana Cruise for July 2018 utilizing this card at a cost of $7410.00 per person. My question…….does my American Express Reserve Card provide cancellation coverage for this cruise? If yes, can you provide me the details on coverages?

    Regards, Brig Gen Robert Taylor


      @Robert – Unfortunately Amex does not offer this as a benefit on the Reserve (or even its luxury Platinum Card), so you’ll want to look into standalone coverage options, or what your cruise line offers.


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