Delta SkyMiles® Reserve American Express Card

Note: American Express is a Frequent Miler advertiser, but we always show the best public offer even when we don't earn a commission. Please see our Advertiser Disclosure.

Card Details and Application Link
Delta SkyMiles® Reserve American Express Card
100K Miles ⓘ Affiliate
100K miles after $6K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$650 Annual Fee

Click here to learn how to apply
This is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Earning rate: 3X Delta
Base: 1X (1.3%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $100 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)

Here’s everything you need to know about the Delta Reserve card…

Overview

The Delta Reserve card is the most expensive of American Express' Delta cards in the U.S., but it is also loaded with high-end perks. Sky Club access alone makes this card worth considering for frequent Delta flyers. The card's annual companion ticket and miscellaneous rebates can also help defray the card's annual fee. Additionally, anyone interested in Delta elite status should seriously consider this card thanks to its multiple shortcuts towards elite status. And, finally, having this card acts as a tie-breaker for upgrades when others on the same flight have the same elite status and booking class as you. The Delta Reserve card is available as both a consumer card and a business card. And while the two versions of the Delta Reserve card are very similar, they are considered different products and so it's possible to earn welcome bonuses for each.

Application Tips

Current offer

Here is the current offer for the consumer Delta Reserve card:

Card Details and Application Link
Delta SkyMiles® Reserve American Express Card
100K Miles ⓘ Affiliate
100K miles after $6K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$650 Annual Fee

Click here to learn how to apply
This is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Earning rate: 3X Delta
Base: 1X (1.3%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $100 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)

And here’s the current offer for the similar Delta Reserve business card:

Card Offer
110K miles ⓘ Affiliate
110k after $12K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$650 Annual Fee

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 hefty annual fee which is not waived the first year. I recommend applying for this card only if you highly value the card’s perks, or if you are counting on using the card’s shortcuts to elite status.

Are you eligible?

In most cases with Amex, you can't get a welcome bonus if you've ever had the same exact card before. 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 on all of the variations of Delta cards. One caveat: the consumer versions of these cards have rules where you may not be eligible for a welcome bonus if you’ve ever before had that card or a more expensive consumer Delta card. For example, with the consumer Gold card, you may not be eligible for the welcome bonus if you’ve previously had the Delta Platinum or Reserve card. So, with consumer cards, it’s best to start with a Gold card, then later get the Platinum card, then later get the Reserve card.

Here are additional Amex application tips:


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to meet minimum spend requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus offer. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Perks

Travel Perks

  • Domestic first class companion certificate (subject to taxes & fees) each year upon card renewal. This is valid for round-trip flights originating within the United States, Puerto Rico or the U.S. Virgin Islands (USVI)  and flying to the following destinations: the United States, Puerto Rico, USVI, Mexico, Antigua, Aruba, Bermuda, Bonaire, Grand Cayman, Cuba, Jamaica, Bahamas, Turks and Caicos, Dominican Republic, Saint Kitts, St. Maarten, St. Lucia, Costa Rica, Belize, Guatemala, Panama, Honduras, and El Salvador.
  • Delta Sky Club access when flying Delta on any fare except Basic Economy. Starting Feb 2025 Delta Reserve cardmembers will be limited to 15 Sky Club visit-days per year (unless cardmember has spent $75K in a calendar year)
  • 4 Delta Sky Club one-time guest passes per year
  • Amex Centurion Lounge access when flying Delta
  • First checked bag free: First checked bag free for the primary cardholder plus up to 8 additional passengers traveling on the same reservation
  • 15% off award bookings: Cardholders get 15% off the mileage price of an award ticket when the entire itinerary is on Delta or Delta Connection.
  • $120 Rideshare Credit: Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with Uber, Lyft, Curb, Revel, or Alto.
  • $200 Hotel Rebate: Get up to $200 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays
  • $240 Dining Rebate: Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants
  • 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
  • 20% Back on In-Flight Purchases

Elite Status Shortcuts

  • Complimentary Upgrade List: Card Members without Delta Medallion elite status will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • $2,500 MQD Headstart: Cardmembers automatically get $2,500 MQDs (Medallion Qualifying Dollars) towards elite status each year.
  • Earn MQDs with spend: Earn 1 MQD (Medallion Qualifying Dollar) for every $10 spent on the card.

Travel Protections

  • Premium Global Assist Hotline: The most valuable part 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 Protections

  • 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 for this card and meeting the minimum spend requirements:

Card Details and Application Link
Delta SkyMiles® Reserve American Express Card
100K Miles ⓘ Affiliate
100K miles after $6K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$650 Annual Fee

Click here to learn how to apply
This is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
Earning rate: 3X Delta
Base: 1X (1.3%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $100 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)

And here’s the current offer for the similar Delta Reserve business card:

Card Offer
110K miles ⓘ Affiliate
110k after $12K spend in first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 3/27/2024)
$650 Annual Fee

Refer Friends


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.
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.
Note that your friends can use your referral link to apply 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 apply for the Delta Reserve card.  Similarly, a Delta Reserve referral link can be used to apply for the Delta Gold or Delta Platinum card.  Regardless of which Delta card they apply for, you will earn a referral bonus if they are approved.

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.

Redeem Miles

You don’t need a Delta credit card to redeem Delta miles for award flights, but there are a couple of features that require having a Delta credit card: 15% discount and Pay with miles…

TakeOff 15 (15% Discount on Award Flights)

Delta offers a 15% award discount to members who have a Delta Gold, Delta Platinum, or Delta Reserve card.  This discount is called “TakeOff 15.”  Discounts do not apply to itineraries that include partner flights, but otherwise they are applied across the board.

We did some research to see whether Delta simply increased award prices for those without credit cards, but found instead that this is a true discount.  Award prices relative to cash prices were pretty consistent before and after this feature was introduced and so we concluded that the 15% discount is real.  See: No catch -- Delta’s 15% discount is real.

Pay with Miles


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.
No miles earned: Only the portion paid in cash earns redeemable SkyMiles and MQDs (Medallion Qualifying Dollars). This reduces the value of the Pay with Miles feature.
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).

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 Amex Platinum card (not to be confused with the Delta Platinum card).

The biggest benefits that the Reserve card has over the Amex Platinum are the annual companion certificate, shortcuts to Delta elite status, and the ability to get free upgrades even 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 SkyMiles 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:

Card Name w Details & Review (no offer)
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate

$350 Annual Fee
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year)
Base: 1X (1.3%)
Travel: 3X (3.9%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Terms and Limitations Apply. (Rates & Fees)
FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate

$350 Annual Fee
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $20 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy companion certificate (subject to taxes & fees) each year upon card renewal ✦ Earn up to $150 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Priority boarding ✦ First checked bag free on Delta flights ✦ Complimentary Upgrade list: get added to the complimentary upgrade list after Delta elite members and Reserve cardmembers (ticket must be purchases on or after 2/1/24 to receive this benefit) ✦ Cell phone protection ✦ Terms and Limitations Apply. (Rates & Fees)
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.

$650 Annual Fee
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases
Base: 1X (1.3%)
Office: 1.5X (1.95%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when you book your Delta flight with your Reserve card ✦ Earn up to $250 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)
FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.

$650 Annual Fee
Earning rate: 3X Delta
Base: 1X (1.3%)
Brand: 3X (3.9%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1 Medallion Qualifying Dollar (MQD) per $10 spent
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Annual $2,500 MQD Headstart ✦ Domestic, Caribbean, or Central American economy or first class companion certificate (subject to taxes & fees) after card renewal ✦ SkyClub access (starting 2/1/25, 15 visits per year (after 15 visits have been used, additional visits can be purchased for $50 each) or earn unlimited visits after spending $75K/calendar year on the card ✦ 4 Delta SkyClub one-time guest passes ✦ Centurion Lounge access when flying Delta ✦ Earn up to $200 as a statement credit each year after booking prepaid hotels or vacation rentals with your Card through Delta Stays on delta.com/stays ✦ Up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $10 per month in statement credits for purchases with select rideshare service providers [enrollment required] ✦ Complimentary upgrades ✦ One statement credit every 4 years for the $100 Global Entry application fee or one statement credit every 4.5 years for the $85 TSA Precheck application fee ✦ Priority boarding ✦ First checked bag free on Delta flights. ✦ Hertz President's Circle Status ✦ Terms and limitations apply. (Rates & Fees)
FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.

$0 introductory annual fee for the first year, then $150
Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year starting 1/1/24)
Base: 1X (1.3%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $150 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.

$0 introductory annual fee for the first year, then $150
Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets
Base: 1X (1.3%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Big spend bonus: $200 Delta flight credit after $10K in purchases in a calendar year
Noteworthy perks: 15% off when using miles to book an award flight (Delta metal only) ✦ Get up to $100 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays ✦ Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)
FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend.

No Annual Fee
Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases
Base: 1X (1.3%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees.
Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees)
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