American Express · Personal
Delta SkyMiles Reserve Card
$650 a year, charged on your account anniversary
Two of the three Delta Reserve credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.
Credits, and when they reset
Every month
- $20 $20 Resy credit resets on the 1st of each monthNeeds enrollment Amex won't backdate enrollment.
- $10 $10 rideshare credit resets on the 1st of each monthNeeds enrollment Amex won't backdate enrollment.
Every year
- $200 $200 Delta Stays credit resets on January 1
Every few years
- $120 $120 Global Entry or TSA PreCheck credit available again every 5 years
What counts, and what doesn't
- 2 credits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply it retroactively.
- Credits do not roll over. Whatever is unused when the period ends is gone.
Is it worth the fee?
$560
Up to $560 a year in credits against a $650 fee. On paper the credits do not cover it. Whether it's worth it depends on which ones you'd actually use.