Do You Really Need the Delta SkyMiles Reserve Card? A Review

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Delta SkyMiles Reserve Card

Do You Really Need the Delta SkyMiles Reserve Card?

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Among the suite of Delta co-branded credit cards, the Delta SkyMiles® Reserve American Express Card is the top dog – and that alone convinces many loyal Delta flyers they need it. It unlocks a big SkyMiles bonus, an annual companion certificate, and even Delta Sky Club access.

There's no denying Delta's Reserve card comes with more perks than any other Delta credit card. But that doesn't mean the Delta SkyMiles Reserve Card is right for you – even if you're on the hunt for a top-of-the-line travel card.

Believe it or not, we think most travelers are better off skipping the Delta SkyMiles Reserve card altogether. While it will make sense for some diehard Delta flyers chasing Delta Medallion status, there are better options out there for the vast majority of travelers.

Related reading: The 7 Best Delta Credit Cards for Travelers in 2022



The Basics of the Delta SkyMiles® Reserve American Express Card

There's no question the Delta Reserve Card brings a lot to the table. Here's a full look:

  • bonus_miles_full
  • Check your first bag free on every Delta flight – savings of at least $60 on each round-trip flight, per person.
  • Priority boarding (even with a basic economy ticket)
  • Complimentary Delta Sky Club access when you are flying Delta. You'll also get two, one-time guest passes each year to the Delta Sky Club.
  • Complimentary access to the American Express Centurion Lounges when you are flying Delta on a ticket purchased with your Reserve card. You can also bring up to two guests in with you for a fee of $50 each.
  • Get a domestic main cabin or first-class roundtrip Delta companion certificate each year upon card renewal.
  • Earn 3x SkyMiles per dollar spent on Delta purchases.
  • Receive up to a $100 credit to cover the cost of Global Entry or TSA PreCheck once every four years. Up to $85 for TSA PreCheck every 4.5 years or $100 credit for Global Entry every 4 years (but not both programs). However a Global Entry membership also includes TSA PreCheck.
  • Complimentary space-available upgrades, even for non-Medallion members, which is a great way to improve your upgrade chances.
  • Enjoy 20% off in-flight purchases such as food & drinks in the form of a statement credit.
  • No foreign transaction fees
  • Choose a card made with 25% metal from a retired Delta Boeing 747 aircraft!
  • $550 annual fee. See rates & fees.


delta skymiles reserve american express card


Click Here to learn more about the Delta SkyMiles Reserve American Express Card. 


Who Should Get the Delta SkyMiles Reserve Card? Status Chasers

The real value of the Delta Reserve Card is to level up in the chase for Delta Medallion status. But it's not enough to fly a lot – you'll have to spend a lot, too.

And that's why we think most travelers are better off being elite status free agents. Chasing elite status is rarely worth it unless if you spend a ton of time on planes – preferably on your employer's dime. And it only really pays off as you climb to top-tier status levels.

As with all airline status, you need to fly and spend to earn status with Delta. First, you need to rack up lots of Medallion Qualifying Miles (MQMs) or Medallion Qualifying Segments (MQSs), flying 75,000 miles a year to get to Delta Platinum status or 125,000 MQMs to hit top-tier Delta Diamond. That is a lot of miles. Beyond that, you also need to earn at least $9,000 MQDs by spending on Delta flights to earn Platinum.

Delta offers an MQD Waiver for flyers who spend at least $25,000 a year on their Delta Amex Card – but to hit Delta Diamond, you'll need to spend a whopping $250,000 on the card. Ouch.


delta skymiles reserve card
Delta Air Lines Elite Status Requirements


Here's where the Reserve Card steps in: It gives you a boost toward status. With status boost, you can earn 15,000 Medallion Qualifying Miles (MQMs) – one of the main ingredients to earning Delta status – by spending $30,000 throughout the year. You can boost your MQMs up to four times by spending $60,000, $90,000, and $120,000 in a calendar year as well, racking up as much as 60,000 MQMs.

That's almost enough to spend your way to Platinum Medallion Status in 2021 without taking a single flight, as you'd earn 60,000 MQMs and the MQD waiver with all that spending. Get 15,000 MQMs more throughout the year and you'll earn Platinum status all the way through January 2024. Plus, Delta has made that easier by allowing even award tickets booked with SkyMiles to earn toward Delta status.

All this making your head spin? Not following how to earn Delta status or why all this matters? Then the Delta Reserve Card is not for you. 

There's no question that Delta Platinum Medallion Status can be quite nice. You'll get more frequent upgrades than Delta Silver and Gold flyers – though these days, even that's no sure thing as the ranks of Medallion Status members are bloated after several extensions and promotions. Other perks include immediate access to Comfort Plus seats, your pick of one Delta choice benefit, and other perks.

But do you really fly enough to make use of those perks? Is it worth spending $120,000 on one single card, foregoing bigger (and better) bonuses on other travel credit cards? Unless if you're a true Delta road warrior spending tens of thousands of dollars a month, the answer is probably no. And if you are flying and spending that much, odds are you can earn Delta status organically.

All that means you should look past the Delta SkyMiles Reserve Card – especially if you're primarily looking to get into the Delta Sky Club and other airport lounges.


What About Upgrades?

On paper, flyers gravitate toward one perk in particular on the Reserve Card: Complimentary space-available upgrades to First Class and Delta Comfort Plus – even if you don't have Delta status. Who doesn't want a free upgrade to the front of the plane?

We hate to break it to you: In practice, that's not going to happen. You need to put the emphasis on the words “space-available” on this perk.

Delta determines its Medallion upgrade order based on a series of factors. And while holding the Reserve card can be a decent tiebreaker if you've got Medallion status, it will almost never be enough to secure you an upgrade to first class on its own – especially as travel surges back to 2019 levels and planes fill up.

Here's the hierarchy of who gets first dibs on a free upgrade:

  1. Delta Medallion Status level: Diamonds get precedence over Platinums, Platinums over Golds, etc. In 2022, flyers who earned their status outright rather than via a status extension also have better odds.
  2. Fare Class: A Platinum Medallion member who purchased a more expensive fare class will have priority over a Platinum member with a cheaper fare class. Read our guide on fare classes!
  3. Delta SkyMiles Reserve Card: A Platinum Medallion member with a Reserve Card in their wallet gets precedence over another Platinum member who bought the same fare type
  4. Delta Corporate Travelers get a slight edge
  5. Flyers who have earned the MQD waiver can get a slight boost
  6. Loyal Delta travelers who have earned Million Miler status have slightly better odds than those who don't
  7. Date and Time of Upgrade request: Buying your ticket earlier than someone whose odds are otherwise equal can give you the final nod for the free seat


delta first class seats


Those factors all make it highly, highly unlikely you'll score a first class upgrade with a Reserve card alone. What's more, Delta is increasingly selling these first class seats to paying customers rather than holding them for complimentary upgrades. That has made it hard for even top Delta elites with a Reserve card to count on a complimentary upgrade.

Read more: Why Free Upgrades Are Getting Harder & Harder on Delta


Lounge Access

Other Delta travelers gravitate toward the Reserve card because it's a major pathway to getting into the Delta Sky Club.

There's no question that Sky Club access is nice. Some Delta lounges are better than others, but it's a nice place to relax with free food and drinks before your flight.


Atlanta Delta Sky Club


Read our full guide to getting into the Delta Sky Club!

Sure, the Delta Reserve Card can get you into the Sky Club. There's a bit of a sweetener: You also get two free, one-time guest passes for the Sky Club to bring in a friend or family member. After that, you'll have to pay $50 each for up to two guests at a time.

But this isn't the only way to get into the Sky Club. In fact, we'd argue there's a much better way.


Grab the Platinum Card from American Express Instead

Nine out of the 10 travelers we talk to who think they need a Delta SkyMiles Reserve Card would be better off with a different travel card. And Delta's name isn't on it.

It's The Platinum Card® from American Express, the top-tier travel card in the American Express portfolio – not to be confused with Delta's SkyMiles Platinum Card. And while it isn't affiliated Delta, this card can get you major benefits when you flying with Delta – and SkyMiles too.


delta skymiles reserve card


Let's compare the two cards to show you why one is the clear winner.

Last year, Delta and American Express added new benefits to the Delta SkyMiles Reserve card while also increasing the annual fee to $550 each year. Those changes included access to the American Express Centurion Lounge, adding up to a $100 credit to pay for either Global Entry or TSA PreCheck, and a few more.

But with that annual fee increase, it now costs just $155 less out of pocket as the Platinum Card® from American Express which has an annual fee of $695 (see rates & fees)…and comes with even more travel perks, whether you're flying Delta or another airline. So unless you're chasing the highest levels of Delta elite status and the Reserve card can help you get there, the non-Delta Platinum Card is a much wiser choice.

When it comes to lounge access, no card can match what the Platinum Card offers. You'll get the same complimentary Delta Sky Club access, getting you in for free and up to two guests at $50 each. You can get into the American Express Centurion Lounge no matter which airline you're flying – plus bring two guests free (at least until early 2023). And you'll also get a complimentary membership to Priority Pass – opening the doors to thousands of additional lounges across the globe for you and up to two guests.



You'll also get a ton of additional credits like up to $100 each year to spend at Sak's Fifth Avenue, and up to $200 each year to use at Uber or on Uber Eats Food Delivery, up to $200 in Amex airline fee credits, up to $200 toward hotels booked through Amex travel (a minimum two-night stay is required for Hotel collection bookings), an up to $189 annual CLEAR Plus credit, up to a $240 digital entertainment credit, up to a $300 Equinox gym credit, and more.

Simply put: Other than building towards Delta status, you'll get much more out of the Platinum Card for a similar annual fee. Make sure to read our full comparison of the Delta Reserve vs Amex Platinum Card.

And here's the kicker: The card earns American Express Membership Rewards points, which can be transferred directly into your Delta SkyMiles account. They can also be transferred to 20 other airlines and used for other redemptions, making them even more valuable than SkyMiles.

Read more: The Best Ways to Use Amex Membership Rewards Points

If you want to avoid paying baggage fees on Delta, you'd be much better holding both the Platinum Card and the Delta SkyMiles® Gold American Express Card to get those free bags.


amex platinum card


Click Here to learn more about the Platinum Card from American Express. 


Bottom Line

If you don't fly or spend enough to get a meaningful level of Delta Medallion elite status, skip the Reserve card. You'll be better served by a lower-tier Delta card. And if you are willing to pay a $550 annual fee, consider the Platinum Card from American Express which costs $695, but provides way more in terms of benefits.


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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