American Express · Personal card
Delta SkyMiles Reserve Card
The Delta SkyMiles Reserve Card has a $650 annual fee and up to $590 a year in statement credits, across four credits. Two of the four Delta Reserve credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.
- Annual fee
- $650
- Charged on your account anniversary
- Credits a year
- Up to $590
- 4 statement credits, used in full
- Need enrollment
- 2 of 4
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time. American Express won't backdate enrollment, so enroll before you spend.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Resy creditEnroll first$20 a month. On the 1st of each month | $20 a month | On the 1st of each month | $240 |
| Delta Stays credit$200 a year. On January 1 | $200 a year | On January 1 | $200 |
| Rideshare creditEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| Global Entry or TSA PreCheck credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| Total a year, if you use every credit | $590 |
What people get wrong
- Enrollment comes first. Two benefits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Delta Reserve
What is the annual fee on the Delta SkyMiles Reserve Card?
$650 a year, charged each year on your account anniversary.
How much are the Delta Reserve credits worth?
Up to $590 a year if you use all four statement credits in full. The largest: Resy credit ($240), Delta Stays credit ($200) and Rideshare credit ($120).
Which Delta Reserve benefits need enrollment?
Two of the four: Resy credit and Rideshare credit. Enroll before you spend, because American Express will not apply a credit retroactively.
When do the Delta Reserve credits reset?
Monthly credits reset on the 1st of each month, and yearly credits on January 1. Unused credit does not roll over.
Is the Delta Reserve worth the $650 fee?
Not on credits alone: they add up to $590, $60 less than the fee. Rewards on spending and other benefits would have to make up the rest.
What points does the Delta Reserve earn?
Delta SkyMiles points, worth about 1.15 cents each in a typical redemption.
