In addition to its reputation for prestige, this card has an enhanced reward program that can help frequent Delta fliers amass more miles and achieve elite status faster. Whether it's the card for you, though, depends on whether you can utilize the following benefits:
The Delta Reserve offers an annual SkyMiles bonus when you meet the spending levels noted below:
- If you spend $30,000 or more on eligible purchases in a calendar year, you will be awarded 15,000 bonus miles.
- If you spend $60,000 or more on eligible purchases in a calendar year, you will be awarded an additional 15,000 bonus miles. That means you have the chance to earn 30,000 bonus miles (enough for a round trip, depending on the itinerary) per year without flying.
#2. Up to 30,000 bonus Delta Medallion Qualification Miles (MQMs) every year
Medallion Qualification Miles (MQMs) are points that determine your SkyMiles Medallion status (which can get you complimentary upgrades, mileage bonuses and other perks). Normally, you'd have to do time in an airplane seat to get MQMs. But the Delta Reserve card lets you fast track your level:
- In any calendar year your eligible spending on your card is $30,000 or more, you will be awarded 15,000 bonus MQMs.
- If you spend $60,000 or more in a calendar year, you will be awarded an additional 15,000 bonus MQMs (so 30,000 total).
Medallion status can also help you earn more miles, as it gives you a mileage bonus for every dollar spent on tickets. The higher your Medallion status, the bigger your bonus. So, by helping you climb the Medallion ladder faster, this card helps you earn more miles every time you purchase airfare.
#3. An [almost] free coach or first-class companion airfare every year
Every year, you receive one domestic companion certificate that can be redeemed for an economy-class or first-class ticket.
You will still have to pay out of pocket for the government taxes and fees attached to the companion ticket, which can be as much as $75 for round-trip itineraries with up to four flight segments (that's the amount as of the time of this review). Yet that's a relatively small price to pay for a second economy or first-class ticket. If you use this benefit, it alone can justify the annual fee.
#4. Complimentary Delta Sky Club Lounge access
A Sky Club membership would normally cost several hundred dollars per year, but this card gives you complimentary access whenever you fly on a Delta-coded or –operated flight. Up to two guests and children under the age of 21 can enter with you at a discounted day rate of $29 each. Other guests will have to pay the regular day rate of $50 each. The Delta Sky Club is a great place to unwind while you wait for a flight. Amenities (which vary by location) include complimentary alcoholic and non-alcoholic beverages, snacks, Wi-Fi, clean private restrooms (some even have showers), and satellite TVs. A few even have putting greens!
#5. Free first checked bag
Your first checked bag will always be free on Delta flights – that saves you $50 a bag per round-trip flight. Up to eight additional passengers under your same reservation get this perk as well. If you frequently travel in groups, this card can save you a lot of money if your party is checking bags.
#6. Priority Boarding
You get Zone 1 priority boarding, along with anyone else under your reservation (up to eight additional passengers). The value of this perk is hard to quantify, but once you've experienced it you never want to go back to boarding with the masses and struggling to find overhead bin space.
#7. Discount of 20 percent on eligible in-flight purchases
You automatically score a 20 percent discount when you purchase food, alcoholic beverages and movies/TV during the flight. The discount is given in the form of a statement credit on your account:
Please note that in-flight Internet does NOT qualify for the 20 percent discount because that comes through a third party, not Delta (it's through Gogo). This may be disappointing, but there are plenty of other Delta purchases that qualify for the discount.
#8. Complimentary concierge service
American Express gives Reserve cardmembers complimentary concierge service. Whether it's hunting down hard-to-get dinner reservations, finding the perfect gift, making travel arrangements, or planning entertainment, this credit card comes with the premium American Express concierge service to help you out.
#9. Premium roadside assistance
Through American Express, you get roadside assistance up to four times per calendar year at no additional cost for certain services. Those include towing for up to 10 miles, winching, jump starts, flat tire changes (assuming you have a spare), lockout service and delivery of up to two gallons of fuel. Coverage is available in the U.S., Canada, Puerto Rico and the U.S. Virgin Islands.
#10. No foreign transaction fees
Foreign transaction fees are a nuisance. But American Express waives them on all Reserve card purchases.
#11. EMV chip
You can now request a version of the Delta Reserve that has an EMV chip as well as a magnetic stripe. This will make it easier to shop overseas, as EMV is standard in many other countries.
Now for the catch...
The annual fee of $450 can be a drawback if you aren't actually using the benefits.
However, if you (1) use the annual companion ticket, (2) take advantage of the Sky Club access, and (3) spend enough to earn the yearly 15,000 or 30,000 bonus miles, the card could very well be worth the price of admission. Note that these benefits are easier to use if you frequently fly Delta, so whether you frequently travel in and out of a Delta hub should probably factor into your decision.
If you don't think you'll be taking advantage of those benefits, look at the lower-cost Gold Delta SkyMiles card. It has many of the same perks (including free checked bags and priority boarding) and only a $95 annual fee (waived the first year).
Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.