The Amex Delta Sky Club® benefit offers a discounted rate or complimentary access to Delta Sky Club. More specifically, the Delta Reserve Credit Card offers 15 visits per Medallion® Year to the Delta Sky Club lounges when flying Delta, and up to four one-time guest passes each Medallion year (after that you can bring up to two guests for an additional fee).

The Delta SkyMiles® Reserve Business American Express Card also offers you 15 visits each Medallion Year to the Delta Sky Club when flying Delta, and lets you bring up to two guests at a discounted rate.

With both these cards, you can unlock unlimited Delta Sky Club Access after spending $75,000 in purchases on your card in a calendar year.

Delta Sky Club American Express Access Details

• Benefit value: Delta Sky Club membership normally starts at $695 a year.
• Delta Sky Club locations: There are over 50 Delta Sky Club lounges at airports around the world.
• Amenities: Delta Sky Club amenities include food, alcohol, complimentary Wi-Fi, meeting areas, TVs, magazines, and flight assistance among other things.
• Eligibility requirements: To use the Sky Club access benefit, you must be traveling on a Delta or their partner operated flight. You must also have a same-day boarding pass, and your ticket must match the name on your credit card. You must be traveling in a class higher than basic economy.
• Other perks: The Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Reserve American Express Card offer 3 miles / $1 spent for Sky Club purchases. Plus, you won't have to pay any foreign transaction fees.

Feel free to also check out the best credit cards with lounge access on the market to weigh your options.

The Delta Reserve Credit Card annual fee is $650. This card's annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Delta Reserve Credit Card, either.

Delta Reserve Credit Card Fees

• Annual Fee: $650
• Cash Advance Fee: 5% (min $10)
• Max Late Fee: $40

Keep in mind that an annual fee is a common charge with high-tier rewards cards. This card...

Delta Reserve Credit Card has a referral bonus for existing American Express customers when someone they refer gets approved for the card. It can take 8 to 12 weeks to receive your bonus after the person you refer opens their account.

How to Get a Delta Reserve Credit Card Referral Bonus

1. Log in to your American Express account.
2. Navigate to the "Account Services" page, and click "Refer Now".
3. Choose a referral offer and copy the referral...

You typically need good credit or better to have a shot at getting approved for the Delta Reserve Credit Card.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Delta Reserve Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you excel in other areas, you might be able to...

The best Delta SkyMiles® Reserve American Express Card promotion is an initial bonus of 70,000 miles (offer ends 10/29/2025). To earn this Delta Reserve Credit Card promotion, cardholders must spend $5,000 within 6 months of opening an account. There are a few other noteworthy Delta Reserve Credit Card promotions to take advantage of as well.

Delta Reserve Credit Card Promotions for December 2025

• An initial bonus of 70,000 miles after spending $5,000 in the first 6 months
• Get 15% off Award Travel on Delta flights when you pay with miles through delta.com and the Fly Delta...

The credit limit for the Delta Reserve Credit Card can be as low as $5,300 and as high as $19,000, according to forum posts. American Express does not include any specific credit limit information in the card's terms, though.

For the most part, the Delta Reserve Credit Card credit limits depend on each applicant's overall credit standing. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.

How to increase the...

The Delta Reserve Credit Card welcome bonus offer is 70,000 miles after spending $5,000 in the first 6 months.

In addition to the bonus offer, the Delta Reserve Credit Card offers 3 miles per $1 spent on Delta purchases and 1 mile per $1 on all other eligible purchases. Its annual fee is $650, and the card is available to people with good credit or better. 

For more options, check out WalletHub's picks for the best credit card bonuses overall.

No, the Delta SkyMiles® Reserve American Express Card is not a good first-time credit card because it is only available to people with good credit or better. People who've never owned a credit card are unlikely to get approved unless they've built good credit through other means. There are plenty of good first-time credit cards on the market, though.

Best First-Time Credit Cards

You can learn more about the best first-time credit cards on WalletHub.

Yes, the Delta SkyMiles® Reserve American Express Card is hard to get because it requires at least good credit for approval. Unless your credit score is good or better and you have a lot of income, it might be difficult for you to get approved for the Delta Reserve Credit Card.

In order to get the Delta Reserve Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have...

Yes, the Delta Reserve Credit Card does offer cell phone insurance. The Delta Reserve Credit Card gives cardholders up to $800 per claim to repair or replace a damaged or stolen phone, if they charge their phone bill to the card every month.

The maximum coverage amount is $1,600 per year (two claims per card account per year), and there is a $50 deductible. Delta Reserve Credit Card cell phone protection does not cover rented, borrowed or prepaid phones. It doesn't cover lost...