Delta SkyMiles® Reserve Business American Express Card Review for 2022

The Delta SkyMiles® Reserve Business American Express Card is designed for loyal Delta Airlines flyers wanting premium Delta travel perks like complimentary access to The Centurion® Lounge and Delta Sky Club®. This business credit card lets you earn unlimited miles that don’t expire, which you can use toward flights, seat upgrades, merchandise, and gift cards.

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How We Evaluate Travel Rewards Business Credit Cards

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Who Delta SkyMiles® Reserve Business American Express Card Is Best For

• Business owners who primarily fly with Delta Airlines: You can enjoy premium travel perks, like free check-in baggage and complimentary access to airport lounges, when you use your Delta SkyMiles® Reserve Business American Express Card to book a flight with Delta.
• Business owners who can spend $150,000 in purchases annually: After you spend $150,000 on your card in a calendar year, you’ll earn 1.5 miles per dollar, which is an extra half-mile per dollar, on eligible purchases for the rest of the year.

Delta SkyMiles® Reserve Business American Express Card Fees

APR

• Introductory APR: None
• Ongoing APR: 16.49% (prime rate + 12.49%) to 25.49% (prime rate + 21.49%) variable
• Cash advance APR: 25.99% (prime rate + 21.49%) variable
• Penalty APR: 29.99% (prime rate + 25.99%) variable

Penalty APR will only apply if you meet at least one of the following conditions:

1. Made two or more late payments within a 12-month period
2. Didn’t pay the Minimum Payment due by the closing date of the billing period
3. Made a returned payment

This Penalty APR will be applied for a minimum of 12 billing periods in a row and will continue to apply until after you made timely payments with no returned payments for 12 billing periods in a row.

Fees

• Annual fee: $550
• Balance transfer fee: Transfers aren’t allowed
• Foreign transaction fee: None
• Cash advance fee: $5 or 3%, whichever is higher
• Late payment fee: Up to $39
• Overlimit: None
• Returned payment: $39

Delta SkyMiles® Reserve Business American Express Card Rewards

Status Boost®

• Earn 15,000 MQMs with Status Boost® after spending $30,000 in purchases within a calendar year, up to four times per year to get you closer to Medallion Status. Note that MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.

Earn Mileage Points

• 3x miles on every dollar spent on eligible purchases made directly with Delta
• 1.5x miles per dollar on eligible purchases for the rest of the calendar year after you spend $150,000 on your card within the same calendar year
• 1x mile on every eligible dollar spent on other purchases

Welcome and Renewal Offers

• Welcome offer: Earn 60,000 Bonus Miles and 10,000 MQMs after spending $4,000 worth of purchases within the first three months of account opening.
• Renewal offer: Receive a companion certificate for a domestic first-class, Delta Comfort+®, or main cabin round-trip each year upon renewal of your card

You can use miles toward flights, seat upgrades, car rentals, merchandise, and gift cards. You can redeem your miles by booking travel for Delta-operated and ticketed flights through the Delta SkyMiles online portal. You can reduce the cost of a ticket by $50 for 5,000 miles, $100 for 10,000 miles, and so on. You can opt to pay the remaining balance with your American Express business credit card if your miles aren’t enough.

How To Make Payments on the Delta SkyMiles® Reserve Business American Express Card

• Online services: You can pay your credit card bills from either the Amex website or its official mobile app. Given that you’ll only need to register once, you don’t need to worry about your details falling into the wrong hands as both the site and the app are secure from fraudulent activities.
• Via phone: Simply call the number on the back of your card, and once your bank account is enrolled, you can save time by paying your American Express bill over the phone every month. Payments will be withdrawn from your U.S. Bank checking account
• Via direct bank payment: Direct Debits let you pay bills automatically; hence, you don’t need to worry about missing due dates. You just need to provide your bank account details to American Express and tell them the amount to pay every month. Note that online enrollment isn’t available for Direct Debit payments from Joint Accounts.
• Via autopay: With autopay, you can choose to have all or part of your bill paid automatically from your bank account every month. Both “Due Date” and “Please Pay By Date” won’t be affected if you sign up for autopay. Note that enrolling in autopay is done online and that your first AutoPay payment may not be applied to your current billing cycle.
• Via mail: You can send your credit card bills via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference.

First Class Mail
American Express
PO Box 650448
Dallas, TX 75265-0448

Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746

Delta SkyMiles® Reserve Business American Express Card Features

The Delta SkyMiles® Reserve Business American Express Card offers many benefits and features best suited for frequent flyers who spend $150,000 annually. Here are some of the features you’ll receive, which are divided into travel, expense management, and insurance protection:

Travel Features

• Delta Sky Club® access: The Delta SkyMiles® Reserve Business American Express Card offers complimentary Delta Sky Club® access to cardholders and a reduced rate of $39 per person for up to two guests. To access the airport lounge, you must have a same-day boarding pass for a Delta Airlines flight and a boarding pass in your name. You’ll also receive two Delta Sky Club® One-Time Guest Passes each year.
• Delta Sky Club one-time guest passes: With complimentary access to Delta Sky Club®, cardholders can either relax before flights or find downtime between connections. In addition, you’ll receive two Delta Sky Club® One-Time Guest Passes every year so you can share the experience with others when you’re traveling together.
• Main Cabin 1 priority boarding and first free checked bag: Cardholders of the Delta SkyMiles® Reserve Business American Express Card can enjoy early boarding on Delta flights when Main Cabin 1 priority boarding is called so that you find room for your carry-on bag and settle sooner. On top of this, you can check your first bag for free and save up to $60 on a round trip Delta flight.
• Fee credit for Global Entry or TSA Pre✓^®:: Cardholders can either get a statement credit for a 5-year membership every 4 years after applying for Global Entry (up to $100) or every 4.5 years after applying for TSA Pre✓^® (up to $85) through an Authorized Enrollment Provider with your Delta SkyMiles® Reserve Business Express Card. There are two options that can best suit your travel needs:
  • For international travels, Global Entry can reduce wait time at US Customs when you return to the US at select airports. Once approved for Global Entry, at no additional charge, you’ll receive access to TSA Pre✓^®.
  • For traveling within select domestic airports, TSA Pre✓^® can expedite security screening.

Expense Management

• Connecting to QuickBooks: You can save time with auto-expense categorization in QuickBooks after enrolling your Delta SkyMiles® Reserve Business Express Card.
• Account manager: You can assign a trusted team member who can oversee your Delta SkyMiles® Reserve Business Express Card account to free up time. These Account Managers handle tasks such as making payments, reviewing transactions, and adding Employee Cards, giving you the time to focus on other priorities
• Year-end summary: At the start of every year, American Express provides access to a year-end Summary of charges to review your annual spending. To access this, log in to your American Express online account to view an interactive overview of your spending in pie or bar charts, organized by categories such as travel and restaurants.

Insurance Protection

• Trip delay insurance: You’ll be reimbursed for certain additional expenses purchased on your card―up to $500 per trip―if your trip is delayed for more than 6 hours. To be eligible, a round trip should be paid for entirely using your American Express credit card. This insurance only covers a maximum of two claims per cardholder within a 12-consecutive-month period.
• Trip cancellation & interruption insurance: The trip cancellation and interruption insurance will reimburse the non-refundable travel expenses purchased using your American Express credit card if a round-trip is paid for entirely with your card and your trip is interrupted or canceled for a covered reason. Coverage is limited to $10,000 per trip and $20,000 per cardholder, per 12-consecutive-month period.
• Travel accident insurance: This American Express credit card offers travel accident insurance coverage of up to $500,000 for loss of limbs, sight, hearing, and death. The travel accident insurance only covers incidents within a 100-day window. Losses resulting from war or acts of war, self-inflicted injuries, certain ailments, physical or mental weakness, and injuries sustained from commuting aren’t covered.
• Baggage insurance plan: A baggage insurance plan is available to Delta SkyMiles® Reserve Business American Express cardholders. It offers between $250 and $1,250 coverage for lost carry-on bags, checked bags, and high-risk items. Some items, such as cash, cash equivalents, tickets, consumables, gadgets, prosthetics, living plants, and animals, aren’t covered.
• Car rental loss & damage insurance: The Delta SkyMiles® Reserve Business American Express Card offers car rental loss and damage insurance up to $75,000 per rental agreement for the first 30 consecutive days of a car rental. It covers the actual cost to repair the rental vehicle, its wholesale book value, or its purchase invoice price, whichever is the least.
• Premium roadside assistance: The Delta SkyMiles® Reserve Business American Express Card offers premium roadside assistance up to four times per year at no additional cost. The available services include towing up to 10 miles, winching, jump starts, flat tire assistance, lockout services, and gas delivery. This feature doesn’t cover rental vehicles, motorcycles, unlicensed vehicles, taxis, and tractors or trucks weighing 10,000 pounds or more.
• Purchase protection: Items purchased using your Delta SkyMiles® Reserve Business American Express Card are covered if they’re stolen or damaged within 90 days from the purchase date. Purchase protection covers up to $10,000 per incident and up to $50,000 per cardholder each year. Some items are excluded from this coverage, such as perishables, tickets, motorized vehicles, permanent fixtures, items for inventory, preowned items, living plants, and animals.
• Extended warranty protection: The Delta SkyMiles® Reserve Business American Express Card offers extended warranties on purchases with warranties of five years or less. American Express will match warranties that are less than two years and will provide two years of extra protection for warranties from two to five years long. Purchases that aren’t covered include real estate, items for inventory, animals, living plants, motorized vehicles, and fixtures.

Pros & Cons of the Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card Alternatives

Capital One® Spark® Miles for Business

The Capital One® Spark® Miles for Business is a good alternative if you want a card with a low annual fee and fixed-rate rewards on all purchases. This card offers unlimited 2x miles on all spending, regardless of expense categories. You can also transfer your miles to Capital One’s travel partners. This makes it our top choice for both the best business credit cards for miles and best business credit cards for travel.

Chase Ink Business Preferred®

The Chase Ink Business Preferred® is a travel rewards card that has a low annual fee of $95. This is a great option if you want to get rewards through Chase Ultimate Rewards travel and if you travel frequently but don’t need travel perks like airport lounge access or free expedited airport security screening. It’s one of our recommended business credit cards for miles, business credit cards for travel, and credit cards for real estate agents.

Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles® Platinum Business American Express Card is an excellent alternative if you frequently fly on Delta Airlines but want a lower annual fee compared to the Delta SkyMiles® Reserve Business American Express Card. This is also a good option if you need to transfer a balance from another card. With this, it’s no surprise that it’s one of our top recommendations for the best business credit cards for miles and leading business credit cards for travel.

Bottom Line

The Delta SkyMiles® Reserve Business American Express Card is an excellent card for business owners who are frequent flyers on Delta Airlines and want to enjoy premium travel perks. If after reading our Delta SkyMiles® Reserve Business American Express Card review, you realize it isn’t what you’re looking for, visit our Credit Card Marketplace to find one that’s right for you.