Credit Cards

Delta SkyMiles Reserve Business Card: Is It Good For Frequent Travelers?

Last updated: March 13,2022
Originally Published: May 17,2020
by Jestan Mendame

Points Panda has partnered with a variety of financial companies including CardRatings for our coverage of credit card products. Points Panda and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. For more information please read our full Advertiser Disclosure.

The Delta Reserve for Business Credit Card from American Express is a pretty straightforward travel credit card that allows business owners and frequent Delta flyers to get big welcome offers, access to VIP lounges, and more. It’s also one of the few Amex cards that can give you a boost to reach Delta Medallion Status.

Credit Card Basics

Cardholders can earn 3 miles per dollar on Delta purchases and 1 mile per dollar on non-Delta purchases. However, your earnings for non-Delta purchases will increase to 1.5 miles per dollar for the rest of the year, once you spend a minimum of $150,000.

Fees And Bonuses

Take note that this is a premium card with premium benefits, hence, the $550 annual fee. The price may sound like a lot, but the Delta SkyMiles Reserve Business Card has a pretty good welcome offer. New cardholders, who spend at least $6,000 in the first three months of opening an account, will get a welcome bonus 110,000 miles (Offer ends 4/13/22).

In addition to the welcome MQM bonus, you can get an additional 15,000 MQMs after spending $30,000 on your Card per calendar year. You can do this 4x per year so it’s easier to reach Medallion Status. Plus, you get to earn an additional 3,750 MQMs after making $30,000 in purchases throughout 2021(also up to 4x). This is different from 15k MQMs you get from Status boost.

MQMs or Medallion Qualifying Miles determines a cardholder’s Medallion status. If you’re Medallion Status, you’ll get additional perks and benefits that are not available to regular Delta SkyMiles members.

Why You Should Get The Delta Reserve Business Card

  • Reach Medallion Status Fast – The welcome offer alone gives Delta SkyMiles members 15,000 MQMs, which is just 10,000 MQMs short of reaching Silver Medallion status.
  • Get Access To Delta SkyClub Lounges – Get complimentary access to The Centurion (R) Lounge or Escape Lounge (The Centurion(R) Studio Partner) when you purchase a Delta flight with your Card. Enjoy complimentary Wi-Fi, fresh food, and other amenities in over 50 SkyClub locations.
  • Zero Transaction Fees For Purchases Abroad – Enjoy zero foreign transaction fees when you spend on your travels while earning miles and rewards at the same time.
  • Exclusive Benefits For Business Owners – Your Amex card allows you to register for an online management account, where you can organize business purchases and track your spending. You can also get free (and zero-fee) supplementary cards for your employees and set spending limits for each one. 
  • Complimentary Annual Companion Certificates Companion certificates are awarded every year to cardholders that renew their cards. The certificate allows you to bring another person with you for free on eligible round-trip domestic flights.
  • Other Notable Features – The other perks that come along with the Delta Reserve Business Card include 20% discounts on in-flight purchases, free checked bags, ticket presales, VIP events, travel package discounts, ShopRunner service, and car purchase discounts.

Why You Should NOT Get The Card

  • Costly Annual fee – If you’re not a frequent Delta flyer, it doesn’t make sense paying for a $550 annual fee. You won’t be able to maximize all of the benefits because you can only earn a big chunk of miles and MQMs through Delta purchases.
  • Balance Transfers Are Not Allowed: A lot of credit card holders do balance transfers from one credit card to another to save money on interest. It’s quite unfortunate that this card does not have that option.
  • High APR Penalties: APR penalties are variable and late fees can reach up to $39 (See Rates & Fees).

Our Recommendation

We’ve mentioned at the beginning of this article that the Delta SkyMiles Reserve Business Card is perfect for big spenders on Delta flights and business purchases. It just makes total sense because you’d reach Medallion status at a much faster pace, and automatically get a Delta SkyClub membership.

It’s even a plus for you if you’re a business owner because your frequent spending activity can help you earn more miles and MQMs. You’ll also receive more perks and benefits once you reach Medallion status.

If you’re not a business owner or a frequent traveler, you can opt for the Amex Blue Cash Preferred Card instead or other rewards credit cards that don’t have big annual fees. It’s perfect for big spenders on groceries, gas, and streaming services because it has cashback rates that reach up to 6%. If you’re still having a hard time picking a credit card, you can sign up for our travel concierge and get unlimited award booking and credit card assistance for one year.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cashback on gas station purchases on up to $6,000 spent in the first year.

Learn More
Chase Freedom Unlimited

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Leave a comment