Delta SkyMiles^® Reserve Business American Express Card Review [2025]: Is the Hefty Annual Fee Worth It?

Card basics

Who should get the Delta SkyMiles^® Reserve Business American Express Card?

It seems like a rewards credit card would be good for anyone, right? Not in this case.

The Delta SkyMiles® Reserve Business credit card is best for Delta loyalists like myself. Of course, you must be a business owner too. It has a hefty annual fee of $650, so it's not a decision to take lightly.

If you aren't a frequent traveler or don't fly Delta often, you'll find many other better travel credit cards. However, if you solely or mostly fly Delta, utilize airport lounge access, routinely check bags, and use TSA PreCheck®, it may be worth considering.

Here's the catch.

You must ensure you earn at least $650 in benefits, but preferably more; otherwise, it's not worth the hassle. Fortunately, the welcome bonus makes up for the annual fee: you can earn 110,000 bonus miles after spending $12,000 in purchases in your first 6 months (limited time offer ends 7/16/25). 

According to American Express, 5,000 miles (their minimum miles redemption) equals $50, which makes miles worth one cent each and the welcome offer $1,100 if you book through Amex Travel.

After the first year, though, you're on your own to ensure you earn enough miles to make the annual fee worth it. The card offers 3X miles for eligible purchases made directly with Delta; 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases in a year; 1X miles on other purchases. 

It's worth looking at your annual spending to determine if you'd earn enough miles to make up for the $650 annual fee or if you'd be better off with another travel credit card.

A closer look at this card's benefits and perks

• Generous welcome offer: Earn 110,000 bonus miles after spending $12,000 in purchases in your first 6 months (limited time offer ends 7/16/25). 
• Medallion® Qualification Dollars (MQDs): The Delta SkyMiles^® Reserve Business American Express Card lets you earn $1 MQD for every $10 spent. 
• Fee credit for Global Entry or TSA PreCheck: Earn a statement credit of $120 every 4 years for Global Entry or up to $85 every 4.5 years for TSA PreCheck. 
• Free checked bags and priority boarding: With this card, your first checked bag is free on Delta flights, saving you as much as $70 on a round-trip flight. You can also board with Zone 5 priority boarding, which gets you to your seat sooner. 
• Delta Sky Club® access: Receive 15 Visits each Medallion® Year to the Delta Sky Club® and unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year. Delta Sky Club® airport lounges offer perks like complimentary drinks and beverages, free Wi-Fi, and entertainment, including satellite TV. You also receive four Delta Sky Club one-time guest passes.
  
• Centurion Lounge access: If you book a Delta flight with your Delta SkyMiles Reserve Card, you receive complimentary access to The Centurion Lounge or Escape Lounge.
• TakeOff 15: New and existing cardmembers can get a 15% discount when booking Award Travel with miles on Delta flights. This discount does not apply to partner-operated flights or taxes and fees.
  
• Companion certificate: Each year, upon renewing your card, you'll also receive a companion ticket. This ticket could provide a round-trip domestic First Class, Delta Comfort+, or main cabin flight for just the cost of fees, taxes, and baggage charges. Taxes and fees are between $22 and $250 for itineraries with as many as four flight segments
• Cell phone protection: Your cell phones are covered against theft and damages when you pay your cell phone bill in full with this card. You get up to $800 per claim and up to two claims per card account per 12-month period. A $50 deductible per claim may apply.¹ <p>Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
  
• Trip cancellation and interruption insurance: If your flight is canceled because of sudden illness, inclement weather, jury duty, or even terrorist activities, you'll be entitled to up to $10,000 of reimbursement.² <p>The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
  
• Trip delay insurance: If your flight is delayed more than 6 hours, you can also be reimbursed for up to $500 in unexpected expenses per trip.³ <p>Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
• Note that enrollment or activation may be required for select benefits. 

Reasons to choose another travel card

• High annual fee: While the Delta Reserve Business Amex does come with many perks, the $650 annual fee is still a bit steep. Other Delta credit cards have lower annual fees, or you can check out travel cards with no annual fee.
• Limited use: This card is truly designed for Delta loyalists. If you like to change up your airline of choice, this card is not for you. For a premium travel card that works with any airline but still offers Delta Sky Club access, consider The Platinum Card^® from American Express.

Earning & redeeming

Best ways to earn

When I choose a card with a hefty annual fee like the Delta SkyMiles® Reserve card, I like to ensure I'm maximizing its benefits by earning as much as possible. Currently, Delta Reserve Business Amex cardholders earn 3X miles for eligible purchases made directly with Delta; 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases in a year; 1X miles on other purchases, which is good for Delta loyalists.

In addition, if you qualify for Delta Medallion status, you can earn bonus miles per dollar spent with Delta. Remember, these miles help you score generous perks every time you fly with Delta, including free upgrades. You can earn:

• 7 miles per dollar with Silver Medallion status
• 8 miles per dollar with Gold Medallion status
• 9 miles per dollar with Platinum Medallion status
• 11 miles per dollar with Diamond Medallion status

I try to earn Medallion status as early as possible by using my card often and concentrating my flights at the beginning of each year.

Maximizing your redemptions

From my experience, the best way to redeem SkyMiles is on Delta award flights. This will typically get you the most value for your miles compared to other options.

Here are some of my tips for maximizing your Delta award flight redemptions:

• Using an eligible Delta credit card for 15% off Delta award flights
• Booking short domestic flights for under 10,000 miles
• Checking for Delta SkyMiles flash sales to worldwide destinations, such as a 50,000-mile roundtrip deal from Los Angeles to Auckland, New Zealand, that happened in 2023
• Taking advantage of partner flights to access different routes

I've found Basic Economy flights for as little as 3,800 miles (after the 15% cardmember discount). If you're sitting on a stack of SkyMiles, that's a lot of short-haul flights you can take.

Note that you can redeem your points for free and get discounted flights on Delta Air Lines using Pay with Miles. Pay with Miles lets you reduce ticket costs by $50 for every 5,000 miles you use. It's not the best redemption value, but it could be worth it if you have a lot of SkyMiles or simply don't want to pay in all cash.

You can redeem miles with partner airlines, including Virgin Atlantic, Air France, and KLM or you can use your miles to book vacations or buy gift cards, but these may not provide as much value as miles redeemed directly for trips with Delta or its partner airlines.

Other cards to consider

Other cards you may want to look at if you're considering the Delta Skymiles Reserve Business Card include:

• Delta SkyMiles^® Gold Business American Express Card: This card has a $0 intro annual fee for the first year, $150 per year thereafter, which is lower than the Delta Skymiles Reserve Business Card. But you also get fewer bonus miles with the welcome offer — earn 90,000 bonus miles after you spend $6,000 in purchases in your first 6 months (limited time offer ends 7/16/25).
• Delta SkyMiles^® Platinum Business American Express Card: This card offers a $350 annual fee. A free checked bag is also a perk of this card, as is a free companion pass — but it can't be used for a first-class flight, unlike the Reserve's companion pass. However, it takes fewer flights to make up for this card's annual fee, making it a good fit for less frequent travelers.

Triple miles on Delta purchases

Delta SkyMiles^® Reserve Business American Express Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Delta SkyMiles^® Reserve Business American Express Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

Why We Like It

Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.

See rates and fees | Terms Apply

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See how these cards compare:

Delta SkyMiles® Gold Business American Express Card

• First checked bag is free for you and up to 8 companions on the same reservation
• Solid welcome offer
• See rates and fees | Terms Apply

Delta SkyMiles® Platinum Business American Express Card

• Earn 100,000 bonus miles after you spend $8,000 in purchases in your first 6 months (limited time offer ends 7/16/25)
• Earn 1.5X points on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more
• Annual companion certificates
• Free checked bag + priority boarding
• No foreign transaction fees
• $350 annual fee. Terms apply.
• See rates and fees | Terms Apply

FAQ

Delta SkyMiles Reserve Business Amex Card: bottom line

The Delta SkyMiles Reserve Business Amex is one of the best options available for frequent Delta travelers who want premium travel perks, such as Delta Sky Club access (terms apply). The $650 annual fee is a bit steep, but this card is packed with benefits that the avid jet-setter can easily take advantage of.

If the Delta SkyMiles Reserve Business Amex doesn't seem like the right fit for you, find other options on our list of the best travel credit cards.

Triple miles on Delta purchases

Delta SkyMiles^® Reserve Business American Express Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Delta SkyMiles^® Reserve Business American Express Card

Apply Now

See rates and fees | Terms Apply

Current Offer

Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.

Annual Fee

$650

Rewards Rate

3X miles for eligible purchases made directly with Delta; 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases in a year; 1X miles on other purchases

Benefits and Drawbacks

Benefits

• Access to Delta SkyClub®* and four complimentary one-time guest passes annually
• First bag checked free (for all family members)
• Access to Centurion® Lounge when you pay with your Delta Reserve card

Drawbacks

• High annual fee, especially if you don’t fly Delta frequently
• Limited rewards if not used for Delta purchases
• Sky Club® access is limited to 15 visits per year without $75,000 in annual spend

Card Details

• Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
• Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
• Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
• Terms and limitations apply.

Author Details

Ben Walker, CEPF, CFEI®

Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

Author Details

Samantha Hawrylack

Samantha Hawrylack is a FinanceBuzz editor and a writer with more than five years of experience. Her work has been published in Newsweek, MarketWatch, USA Today, Rocket Mortgage, BiggerPockets, Crediful, and many more. She holds a Bachelor of Science in Finance and a Master of Business Administration from West Chester University of Pennsylvania, and she was previously a brokerage investment professional with Series 7 and 63 licenses at Vanguard.