If you’re a frequent traveler and business owner seeking to maximize your travel rewards and enjoy exclusive perks, the Delta SkyMiles® Reserve Business Card might just be the perfect fit. With a premium annual fee and a range of high-value benefits, this card is designed for those who want to elevate their travel experience and make the most out of every journey.
Whether it’s through earning substantial bonus miles or enjoying luxury travel benefits, the Delta SkyMiles® Reserve Business Card offers a host of features that cater to the needs of frequent flyers and business travelers alike.
Key features of the Delta SkyMiles® Reserve Business Card
How does the annual fee work?
The Delta SkyMiles® Reserve Business Card comes with an annual fee of $650. Although this fee might seem high, it is offset by a range of valuable benefits. Unfortunately, there is no option to waive or reduce this fee based on spending or other criteria.
The fee covers numerous perks including complimentary access to Delta Sky Club® lounges, a companion certificate, and travel credits. For frequent travelers or those who regularly use the card’s features, the benefits can outweigh the cost.
How is the credit limit determined?
The credit limit for the Delta SkyMiles® Reserve Business Card is set based on your creditworthiness, business income, and financial profile. American Express evaluates your credit score, payment history, and other factors to determine your credit limit. Unlike prepaid cards where you deposit funds to set the limit, this card relies on your financial profile to establish a suitable credit limit.
Advantages of the Delta SkyMiles® Reserve Business Card
The Delta SkyMiles® Reserve Business Card comes packed with a plethora of benefits designed to enhance your travel experience and offer valuable rewards:
- Bonus Miles: One of the most attractive features is the opportunity to earn up to 110,000 bonus miles after spending $12,000 in the first six months of card membership. This substantial bonus can significantly boost your mileage balance and provide ample opportunities for travel rewards.
- Travel Credits: Cardholders receive up to $250 in statement credits for eligible Delta stays, making it easier to book and enjoy prepaid hotel stays or vacation rentals through Delta Stays. Additionally, the card offers up to $240 in Resy credits for dining at select U.S. restaurants, enhancing your dining experiences while traveling.
- Companion Certificate: Each year upon renewal, you receive a companion certificate for a round-trip flight within the U.S. and select international destinations. This benefit allows you to bring a companion along on your travels for just the cost of taxes and fees, providing significant savings and added value.
- Priority Boarding: Enjoy Zone 5 priority boarding on Delta flights, ensuring a smoother boarding process and the ability to secure overhead bin space early.
- Delta Sky Club Access: The card offers complimentary access to Delta Sky Club® lounges and The Centurion® Lounge, providing a comfortable and relaxing space before your flight. Additionally, cardholders receive four Delta Sky Club one-time guest passes each year to share the experience with others.
- Travel Insurance: Comprehensive travel insurance includes trip delay and cancellation coverage, baggage insurance, and car rental loss and damage insurance, offering peace of mind during your travels.
Highlighted advantage: Premium Travel Benefits
The most compelling advantage of the Delta SkyMiles® Reserve Business Card is its premium travel benefits. The complimentary access to Delta Sky Club® lounges, along with the annual companion certificate, adds exceptional value for frequent travelers.
The ability to earn up to $250 in Delta Stays credits and receive up to $240 in Resy credits further enhances the card’s appeal, offering numerous opportunities to save and enjoy premium services. These benefits not only improve your travel experience but also provide substantial savings on travel-related expenses.
Disadvantages of the Delta SkyMiles® Reserve Business Card
Despite its impressive benefits, the Delta SkyMiles® Reserve Business Card does come with a few drawbacks:
- High Annual Fee: At $650, the annual fee is relatively high and might not be justifiable for those who do not travel frequently or do not fully utilize the card’s benefits. The cost may be prohibitive for occasional travelers or small business owners who do not frequently fly with Delta or use the card’s premium features.
- Complex Benefits Structure: The range of benefits and credits associated with the card might be overwhelming for some users. Managing and maximizing the value of each benefit requires careful planning and tracking, which can be a challenge for busy professionals.
Highlighted disadvantage: High Annual Fee
The primary disadvantage of the Delta SkyMiles® Reserve Business Card is its high annual fee. For those who do not travel frequently or do not fully utilize the card’s benefits, the fee might outweigh the advantages.
It is essential to consider whether the rewards and perks will justify the cost based on your travel habits and business needs. For occasional travelers or those who prefer more straightforward rewards structures, the fee may be a significant drawback.
Who can apply for this card?
To apply for the Delta SkyMiles® Reserve Business Card, you must meet several criteria:
- Minimum Age: Applicants must be at least 18 years old to be eligible for the card.
- Minimum Income: A stable income is required, though specific income thresholds are not publicly disclosed. The card is geared towards business owners and frequent travelers who can demonstrate a reliable income source.
- Credit Score: A good to excellent credit score is necessary for approval, as American Express evaluates your creditworthiness to determine eligibility.
- Business Status: You need to have an established business or a qualifying sole proprietorship to apply for this card.
How to apply for the Delta SkyMiles® Reserve Business Card
Online Application
Visit the American Express website to complete the online application. The process is quick and convenient, with a decision often provided in as little as 30 seconds. The online application allows you to input your personal and business details, making it easy to get started.
Mobile App
Download the American Express mobile app, where you can apply for the card and manage your account conveniently from your smartphone. The app provides an easy-to-navigate interface for applying and tracking your card benefits.
In-Person Application
You may also apply in person at an American Express branch or authorized financial institution, though this option is less common. This method allows you to speak with a representative who can assist with your application and answer any questions you may have.
