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The Delta SkyMiles Reserve Credit Card Review – The Best Card For Delta Loyalists

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American Express issues three personal co-branded Delta credit cards that all have their own merits, but each card is very clearly geared to a different type of flyer and for frequent Delta flyers there’s really only one personal Delta card that should be in their wallet – the Delta SkyMiles Reserve American Express card.

Delta SkyMiles Reserve American Express Card

Annual Fee

  • $550

Welcome Bonus

  • Earn 80,000 bonus miles and 20,000 Medallion Qualification Miles (MQM) after spending $5,000 in the first 3 months of card membership (offer expires 28 April 2021).

Note: This welcome offer is not available to applicants who currently have this card or who have had this or previous versions of this card in the past.


  • 3 miles/dollar for spending made directly with Delta
  • 1 mile/dollar on spending in all other categories

Special Benefit For 2021

  • Earn 25% more Medallion MQM at each milestone for a maximum of 75,000 MQM.

Standard Benefits

  • Earn up to 60,000 Medallion Qualifying Miles (MQM) per year via Status Boost (note the special MQM earnings for 2021 mentioned above)
  • Earn a Medallion Qualification Dollar waiver
  • Free access to Delta Sky Clubs
  • 2 Sky Club passes per year
  • Free access to Amex Centurion lounges worldwide
  • Upgrade priority
  • Access to complimentary upgrades
  • Annual domestic companion certificate (valid across all cabins)
  • Global Entry or TSA Precheck credit
  • Get 20% back on select in-flight purchases
  • First checked bag free
  • Priority boarding
  • Trip delay insurance
  • No foreign transaction fees

Why This Is A Great Card

The first thing to point out is that this is a credit card that you hold for the fantastic benefits that it offers and not the points that you’ll earn when you use it. If you simply want to maximize the number of miles you earn when booking Delta flights you’ll be better off with the Platinum Card from American Express or the Business Platinum Card (note: If you got this card in 2020 or before, you will earn 5 miles/dollar on Delta spending in 2021 – click for details).

Having said that, here’s why the Delta SkyMiles Reserve Card is so attractive:

Earn Delta Status More Easily

The Delta SkyMiles Reserve Card offers a number of key benefits that can make it a lot easier to earn Delta elite status:

  • The welcome bonus gives cardholders the opportunity to earn 10,000 Medallion Qualification Miles (MQM)
  • In a regular year, the Delta SkyMiles Reserve card offers cardholders 15,000 Medallion Qualification Miles (MQM) for every $30,000 they spend on the card in a year (up to a maximum of 60,000 MQM). In 2021 the card is offering cardholders 18,750 MQM for each $30,000 spent for a maximum of 75,000 MQM (more details).
  • By spending $25,000 in a year on the Delta SkyMiles Reserve card, cardholders will receive a waiver for the Medallion Qualification Dollar (MQD) requirements for Silver, Gold, and Platinum Medallion Status.
  • By spending $250,000 in a year on the Delta SkyMiles Reserve card, cardholders will receive a waiver for the Medallion Qualification Dollar (MQD) requirements Diamond Medallion Status.

Ignoring the large spend requirement for a Diamond status MQD waiver (because very few people will put that amount of spending on this card)…

In 2021, successful new applicants in their first year of card membership can earn up to 85,000 MQM and an MQD waiver for all statuses up to and including Platinum status.

In all subsequent years, a cardholder can earn up to 60,000 MQM and an MQD waiver for all statuses up to and including Platinum status.

With the thresholds for Delta Medallion status looking like this…

…in 2021 the Delta SkyMiles Reserve Card can be used as a vehicle to earning:

  • 100% of the MQM needed for Silver and Gold status
  • 100% of the MQM need for Platinum status
  • 68% of the MQM needed for top-tier Diamond status

And that’s all without having to set foot in an aircraft.

When you add in the fact that the card offers an easy path to an MQD waiver for all but the top status tier, you can see just how powerful a tool the Delta SkyMiles Reserve card can be for a frequent Delta flyer.

Great Companion Certificate

The Delta SkyMiles Reserve card offers a companion certificate when the card is renewed each year and this is the most valuable of all Delta certificates offered by a co-branded credit card.

The certificate issued by the Reserve card will pay for a round-trip companion fare (in select fare buckets excluding taxes and fees) in all domestic classes of service within the 48 contiguous United States.

On its own, this benefit could easily cover the full annual fee.

Delta Sky Club Access

Delta Sky Club at JFK

  • Delta SkyMiles Reserve cardholders receive complimentary access to Delta Sky Clubs when traveling on a same-day Delta-marketed or Delta-operated flight.
  • Cardholders traveling on a Delta partner airline flight that is not marketed or operated by Delta can pay to access Sky Clubs at a cost of $39 per person.
  • Cardholders may bring up to two guests or immediate family (spouse or domestic partner and children under 21 years of age) into Delta Sky Clubs at a cost of $39 per person*
  • Upon account opening and upon account renewal each year, Delta SkyMiles Reserve cardholders receive two complimentary Sky Club passes which each grant the bearer one-time access to Sky Clubs systemwide.

*The Delta SkyMiles Reserve Card must be used as the payment method to receive the $39/person per-visit rate and guests must be flying on a same-day Delta or Delta partner airline flight. Children under 2 years of age may accompany the Card Member for free. 

Individual Sky Club membership ordinarily costs $545 or 54,500 miles per year so if you’re someone who flys with Delta frequently and would ordinarily pay for Sky Club membership the Reserve Card is easy to justify…especially as the two guest passes that the card offers every year are worth a further $78.

Centurion Lounge Access

Amex Centurion Lounge SFO

Up until not very long ago, only holders of Amex Platinum and Centurion cards have been able to access Centurion Lounges in the US and in select worldwide locations but holders of the Delta SkyMiles Reserve American Express card now get that benefit too. Reserve cardholders now get complimentary access to all Amex Centurion Lounges and, for a fee of $50 per person, they can also bring two guests with them into the lounge.

Upgrade Priority

This is a benefit that only the Delta SkyMiles Reserve American Express card offers and it could be invaluable to frequent Delta flyers. Here’s how Amex describes the benefit:

Eligible Card Members who are SkyMiles Medallion Members have priority over other passengers within the same Medallion tier and fare class grouping.

Essentially, holders of the Delta SkyMiles Reserve American Express card will be upgraded ahead of all other flyers who have the same (or lower) Medallion status and who have purchased the same (or cheaper) fare.

In a world where complimentary upgrades are getting harder to get, any help is greatly appreciated so this is a benefit that shouldn’t be underestimated.

Access To Complimentary Upgrades

This is really only a benefit that is of any use to non-medallion cardholders…but it’s still worth mentioning.

If you’re only just embarking on your relationship with Delta there’s a strong chance that you don’t have status with the airline (unless you managed to status match from another airline’s loyalty program). If that the case then, as an entry-level member, you won’t have access to Delta’s complimentary upgrades unless you have the Delta SkyMiles Reserve American Express card.

Here’s how American Express describes the benefit:

Eligible Card Members will be eligible to receive complimentary upgrades for Delta One® (within the 50 United States), First Class, and Delta Comfort+® after Medallion Members.

Of course, you’ll still be behind all the Delta elites who are in line for complimentary upgrades, but at least you’ll be in the game.

Trip Delay & Trip Cancellation Insurance

Since 1 January 2020 American Express has started to offer trip delay and trip cancellation insurances on select credit cards and no Amex card offers better protections than the Delta SkyMiles Reserve American Express card.

  • The Delta SkyMiles Reserve card offers trip delay cover of up to $500/trip for delays of over 6 hours with up to 2 claims per 12-month consecutive period (more detailsAND it offers trip cancellation insurance of up to $10,000/covered trip and $20,000 per eligible card per 12-month consecutive period.

With fewer and fewer cards offering solid trip delay and cancellation insurance this is a key benefit of the Reserve Card and it’s a benefit that quickly becomes invaluable once you’ve used it for the first time and seen how it eliminates the need to rely on airlines to find you somewhere to stay when your flight is delayed overnight.

Global Entry/TSA PreCheck Credit

Global Entry machines – Image courtesy of CBP

Global Entry and TSA Precheck are programs that can save travelers considerable amounts of time in immigration lines and security lines (respectively) and if you’re a frequent flyer these are programs you should almost certainly be a member of.

Global Entry membership comes with TSA Precheck bundled in and costs $100 for 5 years (this may soon be increasing to $120) while TSA Precheck costs $85 (for 5 years). The Delta SkyMiles Reserve Card offers a full credit for one of these programs every 4/4.5 years respectively so Reserve cardholders need never pay for these programs ever again.

Bottom Line

The Delta SkyMiles Reserve Credit card is a card designed to be held by flyers who like to have an easy path to Delta Medallion Status, complimentary access to Sky Clubs & Centurion Lounges, and a whole host of other benefits that make travel cheaper and more comfortable.

In the right hands, the benefits that the card offers will far outweigh the annual fee so if you’re a Delta frequent flyer or if you’re about to move your business over to Delta, the Delta SkyMiles Reserve Card is a card you really shouldn’t be without.

Find out how to apply for the Delta SkyMiles Reserve Card

A Fantastic No Annual Fee Card

The Freedom Flex Credit Card is a no annual fee card from Chase and although it was only released in September 2020, it has quickly become a “must-have” credit card for fans of Chase’s Ultimate Rewards program. Fantastic earning rates, useful benefits, and no annual fee is always a winning combination.

Some Of The Great Earning Rates & Benefits:

  • 5% cash back (or 5 points/dollar) on:
    • Up to $1,500 of spending in quarterly revolving categories
    • Travel purchased through Chase’s travel portal
    • Lyft rides through March 2022
  • 3% cash back (or 3 points/dollar) on:
    • Dining (includes take-out and delivery)
    • Spending at drugstores
  • 1% cash back (or 1 point/dollar) on spending in all other categories
  • Complimentary cell phone protection

Click for more details on the Chase Freedom Flex Credit Card

Regarding Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser or any other advertiser. It is not the bank advertiser’s responsibility or any other advertiser’s responsibility to ensure all posts and/or questions are answered.


    • You appear to have missed the point of the post. I very clearly point out that this is a card you hold for the benefits and not the earning rates.

  1. It’s sort of a bummer that there are no other bonus categories at all. Both the Delta Platinum cards have a few, and the Business Reserve card gives 1.5x miles over $150k, which is at least something.

  2. Given today’s massive devaluation Delta just pulled – again without notice or informing loyal members, I’d say that Delta is probably an extremely poor choice for most people who aren’t hub captives. I cancelled my Delta card a few months ago when they did the last massive devaluation. Twice in a few months is a lot to stomach. I’m rather surprised that American Express has been agreeable with back to back devaluations of this magnitude.


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