Delta SkyMiles® Reserve American Express Card
Basic Information
Program ID: delta-skymiles-reserve
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 07:36
Last Scraped: 01/15/2026 05:32
Fee Structure
| Annual Fee: | $650.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $210.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100,000.00
Spending Requirement: $5,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Airline Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Delta Purchases, 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire.
Transfer Partners: None (SkyMiles are Delta's proprietary currency; can be redeemed for flights on SkyTeam partners)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
Approval Criteria
Recommended FICO Range: 720 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: American Express's 'once per lifetime' rule applies, meaning you are eligible for one welcome bonus per specific card product per lifetime. The '2/90 rule' limits applicants to a maximum of two credit card approvals within a 90-day period. Eligibility requirements include being 18 years or older, possessing a valid SSN or ITIN, and meeting American Express's creditworthiness standards. The welcome bonus is not available to applicants who have previously received the welcome bonus for this specific Delta SkyMiles Reserve card.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Amex cards, rapid application for multiple cards, abuse of return policies or credits, unusual spending patterns inconsistent with stated income or historical behavior, failure to pay on time, gaming welcome bonuses or retention offers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users highly value the Delta Sky Club and Centurion Lounge access, the annual companion certificate, and priority for upgrades. The 3X miles on Delta purchases are also a significant draw for frequent Delta flyers.
Top Negative Feedback:
The high annual fee is a common concern, especially if benefits are not fully utilized. Some users also note the limited earning categories outside of Delta purchases and potential for lounge overcrowding.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- The Platinum Card from American Express
- Delta SkyMiles Platinum American Express Card
- Chase Sapphire Reserve
Card Value Score: 90.0 / 100
Est. Annual Rewards: $1,150.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 60% General / 40% Delta
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 11/19/2023 00:00