Editorial and Partnership DisclosureFit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Delta SkyMiles® Reserve Business American Express Card is designed for loyal Delta Air Lines flyers who want premium Delta travel perks, like complimentary access to The Centurion® Lounge and Delta Sky Club®. The ultimate Delta travel experience that you can get from this card justifies its high annual fee of $650—plus, you can earn unlimited miles that don’t expire and enjoy zero foreign transaction fees. However, it doesn’t allow balance transfers.
If you wish to compare one credit card over another, select a maximum of three cards on this page and click
Add to Compare
to view the details in a side-by-side comparison.
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $650 |
| Credit Needed | Excellent, Good |
When grading a travel rewards business credit card like the Delta SkyMiles® Reserve Business American Express Card, we first consider ongoing rewards, introductory rewards, and additional card features. We also take into account the card’s annual fee and annual percentage rates (APRs).
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 25 |
| Introductory Rewards | 23 | 25 |
| Additional Features | 20 | 20 |
| Annual Fee | 3 | 10 |
| Introductory APR | 0 | 10 |
| Ongoing APR | 5 | 10 |
| Total Score | 71 | 100 |
- Who Delta SkyMiles® Reserve Business American Express Card Is Best For
- Delta SkyMiles® Reserve Business American Express Card Rewards
- Delta SkyMiles® Reserve Business American Express Card Features
- Delta SkyMiles® Reserve Business American Express Card Fees
- Delta SkyMiles® Reserve Business American Express Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Who Delta SkyMiles® Reserve Business American Express Card Is Best For
- Those who primarily fly with Delta Air Lines: You can enjoy premium travel perks, such as free check-in baggage and complimentary access to airport lounges, when you use this card to book a flight with Delta.
- Those who don’t need to use the card for balance transfers: It doesn’t allow balance transfers, which may not be an issue if you don’t plan to transfer a balance from another credit card.
If this isn’t what you’re looking for, head over to our recommended alternatives for other options.
Delta SkyMiles® Reserve Business American Express Card Rewards
- Welcome Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
- 3x miles on every dollar spent on eligible purchases made directly with Delta
- 1.5x miles per dollar on eligible transit, United States shipping, and office supply store purchases
- 1x miles on every eligible dollar spent on other purchases
Delta SkyMiles® Reserve Business American Express Card Calculator
Use our calculator to compute the potential rewards you might earn from using the Delta SkyMiles® Reserve Business American Express Card. Just input your projected annual spending and let our calculator do the rest.
Note that each Delta SkyMiles is estimated to be at 1.2 cents
Delta SkyMiles® Reserve Business American Express Card Calculator
Your potential annual reward earnings are:
Medallion Status and Its Benefits
The Medallion Status is Delta’s way of incentivizing SkyMiles members who fly with Delta Air Lines and its partner airlines frequently. Each Medallion Tier—namely Silver, Gold, Platinum, and Diamond—provides additional services and rewards that can make traveling worthwhile.
Delta has streamlined the Medallion Status through its Medallion Qualification Dollars (MQDs). You can earn MQDs through the following:
- Delta and partner flights: Receive $1 MQD per dollar spent for either a Delta-marketed flight or any of its partner airlines
- MQD Headstart: Starting Feb. 1, 2024, Delta SkyMiles® Platinum, Platinum Business, Reserve, and Reserve Business card members will receive an MQD Headstart of $2,500 MQDs per eligible card type for the current Medallion Qualification Year.
- MQD Boost: Earn $1 MQD for every $10 eligible purchases made on your card.
- Delta Vacations: Booking a vacation gateway will earn you $1 MQD per dollar spent on your Total Package Price.
Each Medallion Status has its required MQDs and travel perks and benefits. See our table below for details of what each tier offers and the MQD requirements.
| Silver | Gold | Platinum | Diamond | |
|---|---|---|---|---|
| Required Threshold | $5,000 MQDs | $10,000 MQDs | $15,000 MQDs | $28,000 MQDs |
| Mileage Points | 7 miles per dollar | 8 miles per dollar | 9 miles per dollar | 11 miles per dollar |
| Fee Waiver Benefits |
|
|
|
|
| Premium Sales & Customer Service | Priority | High priority | Higher priority | VIP lane |
| SkyTeam Benefits (for International Flights) |
|
|
| |
| Airport Benefits |
|
|
|
|
How To Redeem Delta SkyMiles® Reserve Business American Express Card Rewards
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 opt to pay the remaining balance with your American Express business credit card if your miles aren’t enough.
You can also use your miles on the Delta SkyMiles program, where you can redeem miles for flights to more than 1,000 destinations worldwide. Aside from Delta Air Lines, you can redeem your miles through its partners, such as Air France, KLM, China Eastern, and Korean Air.
Delta SkyMiles® Reserve Business American Express Card Features
Travel
- Complimentary access to notable airport loungesTo access each airport lounge, you must have a same-day boarding pass for a Delta Air Lines flight, a government-issued ID, and a boarding pass in your name. : Receive complimentary airport lounges:
- Delta Sky Club® AccessEffective Feb. 1, 2025, Reserve card members will receive 15 visits per year to the Delta Sky Club. To earn an unlimited number of visits each year starting on Feb. 1, 2025, the total eligible purchases on the Card must equal $75,000 or more between Jan. 1, 2024, and Dec. 31, 2024, and each calendar year thereafter. : Secure complimentary access and four Delta Sky Club one-time guest passes each year.
- The Centurion® Lounge: Get complimentary access to The Centurion® Lounge. You may bring up to two guests at a per-visit rate of $50 per person, per location.
- Escape Lounge: Obtain complimentary access to all US Escape Lounges – The Centurion® Studio Partner locations when flying on a same-day Delta-marketed or Delta-operated flight.
- Zone 5 Priority Boarding: Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
- Global Entry or TSA PreCheck® Fee Credit: Secure a statement credit of up to $120 for a five-year membership every four years for Global Entry or up to $85 every 4.5 years for TSA PreCheck®.
- TakeOff 15: Save 15% when you use your earned miles to book Award Travel on Delta flights through delta.com or the Fly Delta App. Note that discounts do not apply to partner-operated flights or taxes and fees.
- Discount on inflight purchases: Get 20% savings in statement credit on eligible pre-purchased meals and in-flight purchases on Delta-operated flights. Note that this will appear eight to 12 weeks after the transaction is posted on your account.
- Complimentary upgrade list: Be added to the Complimentary Upgrade list if you have an eligible ticket, despite not having a Medallion membership.
Cash and account management
- QuickBooks integration: Save time with auto-expense categorization in QuickBooks after enrolling your card.
- Year-end summary: Get access to a year-end summary of charges to review your annual spending.
- Account manager: Assign a trusted team member to oversee your card account to free up time. Account Managers handle tasks such as making payments, reviewing transactions, and adding employee cards, giving you the time to focus on other priorities.
- Relationship Care® Service: Call the number found on the back of your card when you have questions or concerns about your card.
- Employee cards: Add up to 99 total employee cards to your account.
- Expanded buying power: Spend beyond your credit limit through American Express’s expanded buying power. Note that the amount you can spend above is flexible as it adapts to your card usage, payment history, credit record, financial resources, and other factors.
Protection coverage
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
- Trip delay insurance: Secure reimbursement for certain additional expenses purchased on your card―up to $500 per trip―if your trip is delayed for more than six 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 and interruption insurance: Reimburse the nonrefundable travel expenses purchased with your card if a round-trip is paid for entirely with your card and your trip is interrupted or canceled. Coverage is limited to $10,000 per trip and $20,000 per cardholder per 12-consecutive-month period.
- Baggage insurance plan: Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
- Collision rental loss and damage insurance: Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
- Purchase protection: Get coverage if purchased items are stolen or damaged within 90 days from the purchase date. Purchase protection covers up to $10,000 per incident and $50,000 per cardholder annually.
- Extended warranty: Extend the warranty for one additional year on purchased items with warranties of five years or less.
- Cellphone protection: Get back the costs to repair or replace your damaged or stolen cellphone for a maximum of $800 per claim, with a limit of two approved claims per 12-month period. To be eligible, your cellphone line should be listed on a wireless bill, and the prior month’s wireless bill should have been paid with your American Express credit card.
- Dispute resolution: Seek assistance with American Express to resolve any fraudulent or incorrect charges found on your statement.
Partner benefits
- Resy credits: Earn up to $240 in statement credits each year after making an eligible Resy purchase
- Rideshare credits: Secure up to $10 back each month (or up to $120 per year) on US rideshare purchases with select providersRideshare services include Uber, Lyft, Curb, Revel, and Alto. .
- Delta Stays: Get up to $250 per year as a statement credit after using your card to book prepaid hotels or vacation rentals through Delta Stays
- Annual Companion Certification: Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewing your card.
- Hertz President’s Circle® status: Enjoy complimentary Hertz President’s Circle status. To receive this benefit, you will need to add your Hertz Gold Plus Receive account number to your SkyMiles account associated with your eligible card and enroll at delta.com/hertz.
Delta SkyMiles® Reserve Business American Express Card Fees
APR
- Introductory: None
- Ongoing: 19.49% to 28.49% variable, which adjusts with the prime rate
- PenaltyPenalty APR will be applied for a minimum of 12 consecutive billing periods and will continue to apply until after you made timely payments with no returned payments for 12 consecutive billing periods. : 29.99% variable, which adjusts with the prime rate; will be applied to your account if you meet at least one of the following conditions:
- Made two or more late payments within a 12-month period
- Didn’t pay the minimum payment due by the closing date of the billing period
- Made a returned payment
Fees
- Annual: $650
- Balance transfer: Transfers aren’t allowed
- Cash advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign transaction: None
- Late payment: Up to $39
- Overlimit: None
- Returned payment: $39
Your due date is at least 25 days after the close of each billing cycle.
- Online or mobile banking: You can pay your credit card bills from the Amex website or mobile app.
- Phone: Call (800) 472-9297, state your card information when prompted, and then follow the prompts.
- AutoPay: Log in to your online account and click “Payments” in the blue navigation bar, then choose “Manage AutoPay.”
- Wire transfer: if you wish to make your payment via wire transfer, it is necessary to include your American Express account number where the payment will be posted. Note that while American Express does not charge additional fees, your bank may charge a fee to process the transaction.
- 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 Alternatives
Capital One Spark Miles for Business
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
When To Consider the Capital One Spark Miles for Business
- You want a travel rewards business card with a low annual fee: It charges an annual fee of $95 (waived for the first year)
- You wish to earn fixed-rate miles rewards: It lets you earn unlimited 2X miles on all purchases
Other Benefits
- Secure 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months from the date of account opening
- Enjoy $0 foreign transaction fees
- Choose your monthly due date, making it easier to manage your business expenses
Delta SkyMiles® Platinum Business American Express Card
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $350 |
| Credit Needed | Excellent, Good |
When To Consider the Delta SkyMiles® Platinum Business American Express Card
- You prefer an alternative Delta SkyMiles business credit card: It charges an annual fee of $350—considerably lower than Delta SkyMiles® Reserve Business’s $650 annual fee.
Other Benefits
- Welcome Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
- Earn up to 1.5X miles on selected spending categories
- Spend beyond your credit limit through American Express’ expanded buying power
Bank of America Business Advantage Travel Rewards World Mastercard
| Intro APR | 0% 9 billing cycles |
|---|---|
| Regular APR | 18.49% - 28.49% Variable APR on purchases |
| Annual Fee | $0.00 |
| Credit Needed | Excellent |
When To Consider the Bank of America Business Advantage Travel Rewards World Mastercard
- You intend to make large purchases: It offers a 0% introductory period on purchases for the first nine billing cycles
Other Benefits
- Obtain 30,000 bonus points after spending at least $3,000 in purchases within the first 90 days from the date of account opening
- Earn an unlimited 1.5 points for every dollar spent on all purchases
- Enjoy $0 annual fees
- Gain free access to your business credit score through Business Advantage 360
Frequently Asked Questions (FAQs)
Cash back cards are more straightforward as you earn a portion of your spending as a rebate, and rewards can be redeemed either as a statement credit or check. Meanwhile, points can be redeemed for travel, while miles can be redeemed with an airline’s flyer program or a hotel’s loyalty program.
Call American Express at (877) 671-6758 or apply online. You’ll also need to provide the following information:
- Company’s legal name, structure, such as limited liability company (LLC), corporation, or partnership, address, phone number, and email address
- Federal tax ID number (TIN) or Social Security number (if you’re a sole proprietor)
- Type of industry your business is engaged in
- Number of years your company has been in the business
- Number of employees
- Annual business revenue
- Name you’d like to appear on the card
The frequency of getting an increased credit limit on your Delta SkyMiles® Reserve Business American Express Card will depend on the way you were able to secure it. There are three ways in which you can get an increased credit limit:
- Automatic: Automatically receive an increased credit limit every 6 to 12 months.
- Via call: Call the number found on the back of your card every 3 months for a credit limit increase.
- Online: Log in to your online account and choose the card you want an increased credit limit. Go to the “Account services” and click on “Payment & Credit Options. Tap the “Request Credit Limit Increase,” and type in your desired credit limit and other required information requested.
Bottom Line
Delta SkyMiles® Reserve Business American Express Card is an excellent choice for business owners who are Delta Air Lines frequent flyers and want to enjoy premium travel perks. Keep in mind that it comes with a high annual fee of $650 and doesn’t allow balance transfer transactions.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
