Delta Reserve complete guide

With Amex offering the chance to earn an amazing 80,000 miles + 20,000 MQMs welcome bonus offer for both the consumer and business Delta Reserve cards, I figured that this was a great time to repost this deep dive. Here’s everything you need to know…

Application Tips

Current offer

Here are the current offers for both the consumer and business versions of the Delta Reserve card:

Card Offer
Delta SkyMiles® Reserve Business American Express Card     ➥More   ⓘ $98 1st Yr Value Estimate 60K Miles + 10K MQMs 60K miles + 10K Medallion Qualification Miles (MQMs) after $4K spend in 3 months.Terms and limitations apply. (Rates & Fees) $550 Annual Fee     Recent better offer: 85K miles + 20K MQMs + $200 statement credit after $5K spend in the first 3 months. Terms and limitations apply. [Expired 8/25/21]
Delta SkyMiles® Reserve Credit Card from American Express     ➥More   ⓘ $560 1st Yr Value Estimate 100K miles 100K after $5K spend in 3 months. Terms apply. (Rates & Fees) (Offer Expires 6/8/2022) $550 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 80K miles + 20K MQMs after $5K spend in the first 3 months + up to $200 statement credit for purchases at select US furnishings stores in first 3 months. [Expired 5/5/21]

Should you apply?

Many cards are worth earning for the welcome bonus offer alone.  In this case, though, it’s important to consider the card’s $550 annual fee which is not waived the first year.  I recommend signing up for this card only if you highly value the card’s perks, or if you are counting on using the card’s MQM offer and/or big-spend bonus to earn or retain Delta elite status.

If you’re primarily interested in earning Delta SkyMiles, then consider signing up for one of the less expensive Delta cards:

Card Offer
Delta SkyMiles® Platinum Business American Express Card     ➥More   ⓘ $416 1st Yr Value Estimate 60K Miles + 5K MQMs 60K miles + 5K Medallion Qualification Miles (MQMs) after $3K spend in 3 months. Terms and limitations apply. (Rates & Fees) $250 Annual Fee     Recent better offer: 90K + 10K MQMs
Delta SkyMiles® Platinum Credit Card from American Express     ➥More   ⓘ $776 1st Yr Value Estimate 90K miles 90K after $3K spend in 3 months. Terms apply. (Rates & Fees) (Offer Expires 6/8/2022) $250 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 90K + 10K MQMs
Delta SkyMiles® Gold Business American Express Card     ➥More   ⓘ $564 1st Yr Value Estimate 50K Miles 50K miles after $2K spend in the first 3 months. Terms and limitations apply. (Rates & Fees) No Annual Fee First Year, Then $99
Delta SkyMiles® Gold Credit Card from American Express     ➥More   ⓘ $804 1st Yr Value Estimate 70K miles 70K after $2K spend in 3 months. Terms apply. (Rates & Fees) (Offer Expires 6/8/2022) No Annual Fee First Year, Then $99     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Delta SkyMiles® Blue Credit Card from American Express     ➥More   ⓘ $111 1st Yr Value Estimate 10K miles 10K miles after $500 spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee     Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days. Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 10K miles after $500 spend in the first 3 months + up to $200 in statement credits for purchases at select US home furnishings stores in the first 3 months. [Expired 5/5/21]

Are you eligible?

In most cases with Amex, if you’ve had the same card before, you can’t earn a welcome bonus offer when applying. Consider, though, that each variation of Delta card is considered a different product. Over time, it’s possible for you to earn the welcome bonus offer on all of the following cards since each one is a separate product:

Card Offer Mini
ⓘ $111 1st Yr Value Estimate Delta SkyMiles® Blue Credit Card from American Express 10K miles
ⓘ $564 1st Yr Value Estimate Delta SkyMiles® Gold Business American Express Card 50K Miles
ⓘ $804 1st Yr Value Estimate Delta SkyMiles® Gold Credit Card from American Express 70K miles
ⓘ $416 1st Yr Value Estimate Delta SkyMiles® Platinum Business American Express Card 60K Miles + 5K MQMs
ⓘ $776 1st Yr Value Estimate Delta SkyMiles® Platinum Credit Card from American Express 90K miles
ⓘ $98 1st Yr Value Estimate Delta SkyMiles® Reserve Business American Express Card 60K Miles + 10K MQMs
ⓘ $560 1st Yr Value Estimate Delta SkyMiles® Reserve Credit Card from American Express 100K miles

Here are additional Amex application tips:

How to meet minimum spend requirements

Perks

Delta Reserve cards come loaded with perks:

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Travel Perks

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• Domestic first class companion certificate (subject to taxes & fees) each year upon card renewal.  See: Delta companion certificates quick guide.
• Delta SkyClub access when flying Delta.  Pictured above is the Delta SkyClub at Washington National (DCA).
• 2 Delta SkyClub one-time guest passes per year
• Amex Centurion Lounge access when flying Delta
• Complimentary upgrades: Non-elite cardholders get on the free upgrade list behind any elite members traveling on the same flights.
• Upgrade Priority:  Get upgraded ahead of other passengers within the same Medallion tier and fare class grouping
• $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck)
• Priority boarding
• First checked bag free.
• 20% Back on In-Flight Purchases

Elite Status Boosts (MQMs)

With the Delta Reserve card, it is possible to earn high level Delta Medallion elite status through credit card spend alone.  The chart below shows the MQM and MQD requirements for earning each level of status.  With the Delta Reserve card, $25,000 spend per year is enough to waive MQD requirements for Silver, Gold, or Platinum status.  Further, you will earn MQMs with each $30K spend within a calendar year.  You will earn 15K MQMs with $30K spend, $60K spend, $90K spend, and $120K spend for a potential total of 60K MQMs (more than enough to reach Gold status).  Year 2021 Only: Status Boosts earn 25% more MQMs.

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Amex shows your progress towards these status boosts when you log into the American Express website to view your account:

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Elite Status Boosts are giftable

Medallion Qualifying Miles (MQMs) earned from high spend on the Delta Reserve card can be applied to the primary cardholder's Delta account or they can be gifted to any other Delta SkyMiles member.  When each Status Boost is reached, the cardholder receives an email congratulating them and offering 30 days to gift the 15,000 MQMs to someone else.  If you do not gift the MQMs within 30 days, the MQMs automatically go to the primary cardholder.  Note too that the 15,000 MQMs cannot be split up.  You must keep all 15,000 MQMs or gift all 15,000 to a friend.  The Delta Platinum card does not offer the option to gift Status Boost MQMs.

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The ability to gift Status Boost MQMs makes it possible to play "two player mode" towards seeking elite status.  For example, a couple could each have their own Delta Reserve card and swap back and forth each year who to assign all of the MQMs to.  As an extreme example, assume that the couple spends $120,000 on each card every year (a total of $240,000 spend).  In that case, the couple would collectively earn 120,000 MQMs from Status Boosts, and could assign all 120,000 MQMs to one person.  This would put that person way above Platinum status with 45,000 MQMs rolling over to the next year.  And that next year, the MQMs could be assigned to the other person, and so on.

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Travel Protection

• Premium Global Assist Hotline: The biggest benefit of this benefit is emergency medical evacuation.  Other benefits of the hotline include: customs info, inoculation info, passport/visa info, emergency translation, lost item & lost bag search.  To use this service, call: 1-800-345-AMEX (2639).  More details can be found here.
• Trip Cancellation and Interruption Insurance: Up to $10K per trip / $20K per year.  You must pay in-part for your trip with your Delta Reserve card, but it is OK if the rest of the payment is from frequent flyer miles and/or gift cards.  Round-trip travel is required, but it is OK if multiple separate one-way tickets make up the round-trip.  Details here.
• Trip Delay Insurance: Coverage kicks in after a 6 hour delay.  Details here.
• Baggage Insurance: Up to $500 per person for checked luggage, and up to $1,250 per person for carry-ons.  Must pay transportation in full with your card to be covered.  Details here.
• Car Rental Loss and Damage Insurance: Secondary car rental insurance. Must pay for rental in-full with card.  Details here.

Purchase Protection

• Return protection: Limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase.
• Extended warranty: Up to 1 extra year.
• Purchase protection: Covers damage, loss, or theft up to 90 days after purchase.  Details here.

Cell Phone Protection

• Coverage includes phones that are stolen or damaged.
• Cracked screens are covered.
• Max $800 per claim or $1,600 per 12 month period.
• A $50 deductible applies to each claim.
• “You must charge your monthly Eligible Cellular Wireless Telephone bill to your Eligible Card Account.”  (interestingly, the terms do not say that you must pay in full each month, but maybe that’s implied?)
• Policy details can be found here.

Earn Miles

There are few ways to earn Delta SkyMiles with this card:

Welcome Bonus Offer

Obviously, if eligible, you can earn miles by successfully applying up for this card and meeting the minimum spend requirements:

Card Offer
Delta SkyMiles® Reserve Business American Express Card     ➥More   ⓘ $98 1st Yr Value Estimate 60K Miles + 10K MQMs 60K miles + 10K Medallion Qualification Miles (MQMs) after $4K spend in 3 months.Terms and limitations apply. (Rates & Fees) $550 Annual Fee     Recent better offer: 85K miles + 20K MQMs + $200 statement credit after $5K spend in the first 3 months. Terms and limitations apply. [Expired 8/25/21]
Delta SkyMiles® Reserve Credit Card from American Express     ➥More   ⓘ $560 1st Yr Value Estimate 100K miles 100K after $5K spend in 3 months. Terms apply. (Rates & Fees) (Offer Expires 6/8/2022) $550 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 80K miles + 20K MQMs after $5K spend in the first 3 months + up to $200 statement credit for purchases at select US furnishings stores in first 3 months. [Expired 5/5/21]

Welcome Bonus Offer MQMs are not giftable: Note that, unlike Status Boosts, when the welcome bonus offer includes the chance to earn Medallion Qualifying Miles (MQMs), those MQMs are not giftable.  The MQMs automatically get assigned to the primary cardholder’s Delta account.

Refer Friends

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The refer-a-friend offer shown above for the Delta Platinum card was in effect when this post was first written. Offers can and do change over time. Consider this only an example of the type of offer you may find.

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By logging into your American Express account, you should be able to find an offer to earn miles when referring friends. It's often the case, but not always, that your friends can get bigger bonuses through your referral link than through a public offer.

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Note that your friends can use your referral link to sign up for any Delta card. They are not limited to the one that you have. For example, a friend can use your Delta Gold or Delta Platinum friend-link to sign up for the Delta Reserve card.  Similarly, a Delta Reserve referral link can be used to sign up for the Delta Gold or Delta Platinum card.  Regardless of which Delta card they sign up for, you will earn a referral bonus if they are approved.

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Bonus Spend

The Delta Reserve card doesn’t have any great way to earn redeemable miles through spend.  For most spend, you will earn only 1 mile per dollar.  With spend on Delta, you’ll earn 3 miles per dollar.

The business version of the Delta Reserve card does offer a way to earn 1.5 miles per dollar for spend, but only after you spend $150K in a calendar year.  For the rest of that calendar year you’ll earn 1.5X miles per dollar on all eligible purchases (except for Delta purchases which continue to earn 3X).

Redeem Miles

You don’t need a Delta credit card to redeem Delta miles for award flights, but there is one feature that requires having a Delta credit card: Pay with miles…

Pay with Miles

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Delta's "Pay with Miles" feature is limited to primary cardholders of any Delta card (Blue, Gold, Platinum, or Reserve). This feature lets you pay for cash tickets in part or in full with Delta SkyMiles at a value of 1 cent per mile. You must pay in increments of 5,000 miles. Every 5,000 miles you apply decreases the ticket cost by $50. In other words, each mile is worth exactly 1 penny with this feature.

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No miles earned: Flights that are paid for in this way earn full MQMs (Medallion Qualifying Dollars) and MQSs (Medallion Qualifying Segments). However, only the portion paid in cash earns redeemable SkyMiles and MQDs (Medallion Qualifying Dollars). The latter two issues reduce the value of the Pay with Miles feature.

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Tip: Unless the full ticket amount is an exact multiple of $50, I recommend stopping short of paying the whole fare with miles since you'll get lower value from the last 5,000 miles. For example, if you want to use this feature and your ticket costs $228, I recommend paying 20,000 miles to decrease the cash cost to $28. Otherwise you would have to pay another 5,000 miles for that last $28 (which is a poor value).

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Keep, cancel, or product change?

The decision to keep this card long term is a tough one.  Yes, this card has great perks, but you can find even more perks, including SkyClub access, on the identically priced Amex Platinum card (not to be confused with the Delta Platinum card).  And, unlike the Delta Reserve card, the Platinum card comes with airline fee credits and other credits to help offset the annual fee.

The biggest benefits that the Reserve card has over the Amex Platinum are the annual companion certificate, the ability to earn Delta elite status through spend, and the ability to get free upgrades if you don’t have Delta status.  In other words, the Delta Reserve card makes the most sense for those who are sure to use the companion certificate towards good value each year and/or who covet Delta elite benefits.  Others may do better with an Amex Platinum card or the lower priced Delta Platinum card.

One way to decide is to use our spreadsheet to compare similar cards.  See: Which Ultra Premium Cards are Keepers?

Related Cards

Here’s a full list of Delta branded cards available in the United States: