| Last updated on September 25th, 2023
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
If you or your employees regularly fly Delta, the Delta SkyMiles® Reserve Business American Express Card’s introductory bonuses and travel-specific perks are well worth the hefty $550 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23
- Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X)
- Enjoy 3x miles per dollar on eligible Delta purchases
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status
- Terms and limitations apply
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You travel frequently for work or have employees who do, and want to accumulate bonus miles while tracking spending habits
- You spend heavily with Delta Airlines
- You're looking forward to complimentary Delta Sky Club® access, priority boarding, and a free checked bag
- You don’t want to pay any foreign transaction fees
Delta SkyMiles® Reserve Business American Express Card Review
If your business travels take you overseas, you’ll love the impressive luxury features of the Delta SkyMiles® Reserve Business American Express Card. The ultra-premium airline card from American Express offers average rewards. Still, it makes up for it with a huge assortment of Delta and airport perks like lounge access, priority boarding, and more – for an annual fee of $550.
The Delta SkyMiles® Reserve Business American Express Card comes with an impressive SkyMiles welcome offer. New business accounts earn 100,000 bonus SkyMiles after spending $6,000 in purchases on the card in the first three months of account membership. That welcome bonus has a cash value of over $1,000 when booking travel through Delta.com – an easily achievable target if you plan to issue multiple employee cards.
How to Earn Miles
Delta SkyMiles® Reserve Business American Express Cardholders earn 3X miles on purchases directly with Delta. This earning rate is the same as the 3X miles with Delta purchases with the Delta SkyMiles® Platinum Business American Express Card. All other purchases with the card earn a single SkyMiles for every dollar spent.
Earn More On Large Purchases
Businesses also earn accelerated rewards when making larger purchases with their card. You’ll earn 1.5X miles on large purchases of $5,000 or more. However, please note that this bonus only applies to the first 50,000 Bonus Miles an account earns in this category each year.
How to Redeem SkyMiles
Miles are redeemable on Delta and through the SkyTeam Alliance of over 30 carriers. There is no cap or limit on the number of earnable SkyMiles, meaning this card is ideal for those firms that use their cards regularly – and issue them widely. Here’s a list of SkyTeam member carriers:
|China Eastern Airlines
|China Southern Airlines
|Delta Air Lines
|KLM Royal Dutch Airlines
|Middle East Airlines
Other ways businesses can redeem miles include seat and cabin upgrades through Delta, Delta gift cards, Delta Vacations or Experiences, and incidental fees when flying with Delta. Delta miles are redeemable for gift cards or purchases made through the Delta SkyMiles Shopping portal.
Delta SkyMiles Business Card Comparison
The Amex Delta Air Lines credit card portfolio is robust, with multiple options for both business and personal use. Not sure which SkyMiles credit card is right for you? Here is a head-to-head comparison of the Delta business credit cards from American Express:
SkyMiles® Gold Business
SkyMiles® Platinum Business
SkyMiles® Reserve Business
|$99 annual fee ($0 first year)
|Earn 70K (after spending $3,000 within the first 3 months)*
|Earn 90K (after spending $4,000 within the first 3 months)*
|Earn 100K (after spending $6,000 within the first 3 months)*
|2X Miles on purchases made directly with Delta and at restaurants, shipping providers, and on advertising purchases in select media; 1X Miles on all other purchases.
|3X Miles on purchases made directly with Delta and hotels; 1.5X Miles on purchases of $5,000+ up to $50,000/yr.; 1X Miles on all other purchases.
|3X Miles on purchases made directly with Delta and hotels; 1X Miles on all other purchases.
|1st bag free
|1st bag free
|1st bag free for you and up to 3 guests
|Main Cabin 1 priority boarding
|Main Cabin 1 priority boarding
|Sky Club access for $50 per person
|Sky Club, Centurion Lounge complimentary
|$100 Delta credit after spending $10,000/yr.
|Annual companion certificate
|Annual companion certificate; priority and complimentary upgrades
Sky Club & Centurion Lounge Access
Since the Delta SkyMiles® Reserve Business Card is an airline card, you probably expect it to offer access to an airport lounge network. You are mostly correct, as Reserve cardmembers enjoy complimentary lounge access, but not just one lounge network – two!
Delta SkyMiles Reserve business cardmembers enjoy complimentary access to Delta Sky Clubs for themselves and an exclusive per-visit rate of $50 per person for up to two guests on each visit. Delta’s Sky Club is an exclusive retreat where you can work or relax before your flight. Sky Clubs are currently open in 50 global destinations, where you and your guests can enjoy complimentary cocktails, fresh and healthy food options, free high-speed Wi-Fi, and more.
But there’s more. When you or one of your employees purchase a Delta flight with the Delta SkyMiles Reserve Card, you’ll receive complimentary access to The Centurion® Lounge or The Escape Lounge. The Centurion Lounge and Delta Sky Club combo provides access to two of the most exclusive airport lounges in the world – and with Amex aggressively reducing the eligible cards for Centurion access, this is a very exclusive perk for your employees.
Other Luxury Business Perks
But there are far more travel perks with the Delta SkyMiles® Reserve Business American Express Card. First, you’ll enjoy a Status Boost®, which can help get your account closer to Medallion Status with even more Medallion Qualifying Miles (MQMs). MQMs are earned based on the distance flown and the ticket fare class. Cardmembers earn a single MQM per mile flown with regular economy class tickets. Travelers earn between 1.5 to 2 MQMs per mile flown for higher-priced fares.
When using the Delta Reserve Business Card, you and your employees will also enjoy 20% savings on in-flight purchases. This reward takes the form of a statement credit on the account. There are also no foreign transaction fees should your business take you abroad.
And there’s more – so much so that we’ve created this handy table to break the rest down for you:
|Annual Companion Certificate
|Cardholders receive a domestic first-class, comfort+, or main cabin round-trip companion fare each year on card renewal.
|TSA Precheck/ Global Entry
|Cardholders receive a statement credit for TSA Precheck or Global Entry application fees when they use the Delta SkyMiles® Reserve Business American Express Card to pay.
|Reserve cardholders have upgrade priority over other Medallion members within the same fare class.
|Cardmembers enjoy Main Cabin 1 priority boarding on all Delta flights.
|1st Checked Bag Free
|Cardmembers can check luggage and get their first bag for free and save up to $60 on a round trip Delta flight.
|Sky Club Guest Pass
|One free one-time-use guest pass for SkyClub lounges every year.
|Concierge for Reserve
|Reserve cardholders receive exclusive access to Delta’s premium concierge service to help them with every aspect of their travel experience.
Related Article: The Ultimate Guide to Delta Air Lines SkyMiles
Other Card Features
Other features of the Delta Reserve Business Card include EMV chip and pin technology, mobile wallet access with Samsung Pay, Google Pay, and Apple Pay, and access to Amex Offers. There are also plenty of expense management tools. Companies have access to several excellent tools and services, including:
|Complimentary employee cards
|Get more out of your Business Card with Employee Cards. Earn miles‡ and stay on top of how much employees are spending.
|Save time with auto-expense categorization in QuickBooks- Once enrolled, your Business Card transactions are automatically tagged with your QuickBooks categories.
|Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Cards, so you’re free to focus on other priorities.
|Set Account Alerts to help you avoid late payments, spot irregular spending, and monitor Employee Card use.
|Vendor Pay by Bill.com
|You can make the most out of paying your business bills. Improve your cash flow and take advantage of Card benefits when you use your Card to pay bills with Vendor Pay by Bill.com. Take advantage of Vendor Pay by Bill.com by enrolling your Card. With the basic plan, there is no monthly fee for the first user and no fee for a second user for six months. After six months, the second user will have a fee of $15 per month. Additional fees may apply based on plan type and number of users.
|After the end of the year, see a complete summary that categorizes your spending by month and purchase type, and helps you track your business expenses down to the last detail.
|‡ Terms apply
American Express Ratings
How is Amex as a credit card issuer? Here is a selection of ratings for American Express from experts and the general public:
Should You Apply for the Delta SkyMiles® Reserve Business American Express Card?
The Delta SkyMiles® Reserve Business American Express Card is an excellent option for companies that frequently send employees overseas for business. While the regular version of the card is targeted toward the elite traveler, the business version is ideally suited for all companies who travel, be it regularly or occasionally.
With a host of impressive perks, such as SkyClub access, priority boarding, a first checked bag free, and no foreign transaction fees, employees can travel in comfort – all while protecting the company’s bottom line. While the $550 annual fee may seem steep, the additional benefit of employee cards helps off-set this cost (as does the SkyClub membership).
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