Delta SkyMiles® Reserve American Express Card
$650 annual fee · $560/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1x | uncapped |
| Flights at Delta only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
3x | uncapped |
Signup bonus: 50,000 points after $10,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Plus two round-trip Delta Comfort+ flight certificates (U.S. 48, Puerto Rico, USVI; 21+ day advance purchase, taxes up to $80 per person). Limited-time offer; ends 2026-11-04. The miles figure alone understates this offer. Bonus figure confirmed on the issuer's page 2026-09-11.
Statement credits — $560/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Resy Credit | $240/year | monthly · enrollment required |
| Rideshare Credit | $120/year | monthly · enrollment required |
| Delta Stays Credit | $200/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Delta Sky Club Access: 15 visits per Medallion Year when flying Delta same-day; unlimited access after $75,000 in card purchases in a calendar year
- Complimentary access to The Centurion Lounge (including Sidecar by The Centurion Lounge) when Delta flight is booked with the card
- Companion Certificate: one Delta First, Comfort+, or Main round-trip companion ticket each year after Card renewal; traveler pays taxes/fees of $22-$250
- MQD Headstart: $2,500 Medallion Qualification Dollars each Medallion Qualification Year
- MQD Boost: $1 MQD for every $10 spent on the card
- TakeOff 15: 15% off Award Travel booked with miles
- Upgrade Priority over other Card Members of the same Medallion tier/fare
- Complimentary Upgrade List placement for non-Medallion members
Does the fee earn out?
The $650 fee minus $560 in printed credits leaves $90/yr to earn back through rewards — roughly $7,827 of spending at the base rate (valuing Delta SkyMiles at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $650 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Don't want the fee any more?
Delta SkyMiles® Reserve American Express Card can normally be product-changed to three lower-fee cards in the American Express Delta SkyMiles family instead of being closed — which keeps the account, its age and its credit line.
What does Delta SkyMiles® Reserve American Express Card downgrade to? →
Comparing cards in the same currency? See the best cards that earn Delta SkyMiles →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.americanexpress.com · upgradedpoints.com. Spot an error? Tell us.