Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Delta Reserve for Business Credit Card Benefits and Perks – A Powerhouse for Delta Flyers

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Delta Reserve for Business Credit Card Benefits and Perks – A Powerhouse for Delta Flyers

Brett HolzhauerDelta Reserve for Business Credit Card Benefits and Perks – A Powerhouse for Delta FlyersMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

INSIDER SECRET: The crown jewel of this card is that you get complimentary Delta Sky Club lounge access when you fly Delta. A membership without this card costs $545 per year.

If you travel on Delta Airlines with any frequency, the Delta Reserve for Business Credit Card benefits and perks will appeal to you. It’s a great candidate for a spot in your billfold.

The card is now offering a welcome bonus of 80,000 Delta miles and 5,000 Medallion® Qualification Miles (MQMs) after spending $6,000 on purchases within the first three months of opening your account. Offer ends July 2, 2019.

The card comes with a $450 annual fee (See Rates & Fees). I’ll show how much value you can receive with this card’s ongoing benefits.

One of the Delta Reserve for Business credit card benefits and perks is a concierge to help you take care of travel plans, including fancy dinner reservations. (Photo by Kichigin/Shutterstock)

Delta Reserve for Business Credit Card Benefits And Perks

Apply here for the Delta Reserve for Business Credit Card

Our review of the Delta Reserve for Business Credit Card

Right off the bat, you should understand one thing: With Amex personal and small business cards, you can only earn the welcome bonus once per card per lifetime. In other words, if you’ve had the Amex Delta Reserve for Business before, you aren’t eligible for the welcome bonus again. You can receive the welcome bonus from other Delta cards, as long as you’ve not had them before.

Regardless, the welcome bonus isn’t where this card truly shines. It’s in the ongoing perks. Check them out below.

1. Delta Sky Club Access

This is a major draw of this card. Delta Sky Club lounges are located around the world for Delta customers, Delta partner customers with certain elite status, passengers in First Class seating, and card holders with cards such as The Platinum Card® from American Express. To access the Delta Sky Clubs with the Amex Delta Reserve for Business, you must meet one of the following criteria:

It’s worth noting that Delta Sky Club membership costs $545 per year. This is one of the strongest arguments for keeping this card. The annual fee pays for itself with Sky Club access.

2. Free Checked Bag

Paying for checked bags is an absolute waste. On a round-trip Delta flight, you can save up to $60 on checked-bag fees with this card, which provides one free checked bag for you and up to eight companions when you fly Delta. That’s a potential (though unlikely) savings of up to $540 per round-trip flight (9 travelers x $60 round-trip cost per bag = $540).

3. Companion Pass

This is another large value perk of this card – a companion certificate – though not to be confused with the highly coveted Southwest Companion Pass … You can use this companion certificate once per year for any type of ticket, including First Class. So think of it as a buy-one-get-one coupon (you still need to pay the taxes on the second ticket).

Get your travel buddy and plan a getaway with your companion certificate. (Photo by RossHelen/Shutterstock)

4. Preferred Boarding – Main Cabin 1

I am a huge proponent of bringing a carry-on. It avoids potential hassles from the loss or damage of checked bags. Preferred boarding is a large perk for me to ensure I have space in the overhead bin. Delta has recently redesigned its boarding order. Be sure to review this process if you want overhead bin space and extra time to board and get cozy.

5. Earn Bonus Points for Purchases

The Delta Reserve for Business Credit Card earning categories are pretty simple. You’ll earn:

  • 2x Delta Skymiles per dollar spent on Delta purchases
  • 1x Delta SkyMiles per dollar spent on other purchases
  • Terms apply

Standard for an airline card. Certainly nothing special.

6. Concierge

Sometimes, it is easier to have a pro take care of your plans. Whether you need a dinner reservation, a gift delivered to your significant other, or concert tickets, the concierge service you receive with the Amex Delta Reserve for Business will be able to assist.

I’ve used the American Express Concierge service and really enjoyed my interactions with their staff. They’re accessible 24/7.

7. Medallion Qualifying Miles (MQMs)

With the Delta Reserve for Business Credit Card, you will earn 5,000 MQMs when you earn the card’s welcome bonus. MQMs is one way Delta tracks your status toward qualifying for elite status with Delta.

As a quick rundown, here’s what it takes to earn Delta elite status:

  • Silver – Earn 25,000 MQMs or 30 MQSs AND $3,000 MQDs or MQD waiver
  • Gold – Earn 50,000 MQMs or 60 MQSs AND $6,000 MQDs or MQD waiver
  • Platinum – Earn 75,000 MQMs or 100 MQSs AND $9,000 MQDs or MQD waiver
  • Diamond – Earn 125,000 MQMs or 140 MQSs AND $15,000 MQDs or MQD waiver

Unless you are worried about airline status, there is no need to worry about these MQMs. You can read more about Delta status here.

8. 20% Off Inflight Purchases

If you are one to enjoy an exorbitantly priced cocktail or extra snacks on a flight, this card can definitely save you some cash. When you pay with your Delta Reserve for Business Credit Card, you will save 20% on inflight purchases.

9. No Foreign Transaction Fees

This is a great feature if you do a decent amount of international travel. You are able to use your Delta Reserve for Business Credit Card anywhere that American Express is accepted, with no extra fees (See Rates & Fees).

I am a huge fan of this, because I am able to continue earning valuable points and miles during my travels, and I don’t have to worry about getting dinged. Note that any travel card worth its salt will have no foreign transaction fees.

10. Car Rental Loss and Damage Insurance

When you pay for your rental car with Delta Reserve for Business Credit Card, you’ll get secondary coverage if it is damaged or stolen. That means you’ll be covered for anything your personal insurance doesn’t cover. This does not include liability insurance – only damage to your rental car is covered.

Also, not all car types are covered, and this coverage is not valid in all countries, so be sure to talk to customer service to find out if your rental car will be covered.

11. Baggage Insurance Plan

When you purchase your entire fare on your Delta Reserve for Business Credit Card, you automatically have coverage on your bag in case it is lost, damaged or stolen. Coverage for a carry-on bag is up to $1,250 and a checked bag is $500. You, your spouse or domestic partner, and your dependent children under age 23 are covered when you pay the entire fare with your card.

There are plenty of exceptions. This insurance is secondary, and doesn’t cover things like:

  • Cash
  • Living plants or animals
  • Food or perishables
  • Eyeglasses, hearing aids, contact lenses

This is something you hope you never have to use, but it is always good to have in an unfortunate situation.

12. Travel Accident Insurance

You and your spouse or domestic partner, as well as your dependent children under age 23, are covered when you pay the entire fare with your card.

If an accident (defined as accidental death or dismemberment) occurs, this insurance provides up to $500,000 in coverage. Here’s what you’ll get in the event of an accident:

  • Death – 100%
  • Loss of both hands or both feet – 100%
  • Loss of one hand or one foot – 100%
  • Loss of eyesight – 100%
  • Loss of sight in one eye and loss of one hand or foot – 100%
  • Loss of one hand or foot – 50%
  • Loss of sight in one eye – 50%

You won’t be covered if any accident involves suicide, acts of war, physical or mental infirmity, etc. You can read the full benefits guide to view all restrictions.

13. Premium Roadside Insurance

We’ve all had our fair share of car issues: a flat tire, a dead battery, or something else. You will have roadside assistance through your Delta Reserve for Business Credit Card.  And you don’t have to be traveling. You can use this benefit even if you break down in your hometown.

Here are the full terms to keep in mind:

This roadside assistance perk gives you four services at no cost, including towing up to 10 miles, winching, jump starting, flat-tire change (if you have a spare tire), lockout service, and delivery of up to two gallons of fuel. That’s seriously excellent.

It is important to note that this does not cover rental vehicles.

Bottom Line

The Amex Delta Reserve for Business has a plethora of valuable benefits. If you use two or three of the main benefits (Delta Sky Club Access, Annual Companion Certificate, free first checked bag, etc.), you can offset this card’s $450 annual fee. Just be sure you’ll actually use the perks before you open the card.

Let me know your favorite Amex Delta Reserve for Business benefit. And check out these posts for more about this card:

Want to hear about more tips, tricks, and deals? Then subscribe to our daily newsletter.

For rates and fees of the Delta Reserve for Business Credit Card, please click here.

Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card

  • Earn 80,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $6,000 in purchases on your new Card in your first 3 months.
  • Plus, get a 0% introductory APR for 6 months on purchases. After the introductory 6 months period, the APR for purchases will be variable at 17.99%-26.99% based on your credit worthiness and other factors at account opening.
  • This APR will vary with the market based on the Prime Rate. Limited Time Offer Expires: 07/02/2019
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • Terms and limitations apply
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!