Delta Reserve for Business Credit Card review


In a Nutshell

The Delta Reserve for Business Credit Card can be a great fit for small-business owners who travel a lot with Delta and want premium perks every time they fly with the airline. But the card’s steep annual fee could make it difficult to justify if you don’t travel a lot.

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Pros Cons
Premium airline perks offered Steep annual fee
Reports to business credit bureaus, according to an Amex rep Potentially high APR, depending on your creditworthiness
Rewards program Underwhelming rewards-earning rates
No foreign transaction fee Personally liable for all charges to the account

From our partner

Delta Reserve for Business Credit Card

From cardholders in the last year

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Delta Reserve for Business Credit Card: The core features

The Delta Reserve for Business Credit Card is a supposed to be an aspirational business travel card designed for business owners who are loyal to Delta Air Lines. But while it offers some significant perks, it’s not a great fit for most.

Elevate your travel experience

If you regularly travel for your business or for pleasure and Delta is your airline of choice, the card could make your life easier every time you fly. It offers several airline perks, including …

  • Complimentary Delta Sky Club® access when you fly Delta
  • Main Cabin 1 priority boarding
  • One companion certificate every year for domestic first-class, Delta Comfort+® or domestic main cabin round-trip flights within the U.S.
  • First checked bag free for you and up to eight others on your reservation
  • A 20% statement credit on select in-flight purchases made using your card on Delta flights

Cardholders are also given a boost to attain Silver Medallion status with the airline every year. For reference, Silver status requires at least 25,000 MQMs to qualify. You’ll receive 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles when you spend $30,000 in purchases within a calendar year, plus another 15,000 MQMs and 15,000 bonus miles after you spend $60,000 total on eligible purchases within a calendar year. Keep in mind that all these purchases must be made using your card in order to earn all of these miles.

With Silver Medallion status, you and a companion are eligible to get unlimited complimentary upgrades to first class and Delta Comfort+®, priority check-in, preferred pricing on a membership to Clear (which offers expedited airport security), bonus miles for qualifying rentals with Hertz, and more.

You may find the rewards program wanting

The Delta Reserve for Business Credit Card kicks things off with a welcome offer of 40,000 bonus miles and 10,000 MQMs after you spend $3,000 on purchases within the first 3 months of account opening. You can earn two miles for each $1 spent on Delta purchases and one mile for each $1 spent on all other purchases.

For a premium credit card, that’s nothing to get too excited about. If racking up Delta miles is your top priority, you can get the same rewards rates and a much lower annual fee on the Gold Delta SkyMiles® Business Credit Card from American Express.

Alternatively, you may be able to earn better rewards rates with other top business travel credit cards.

It’s not cheap

Not only will you be paying a $450 ($550 if application is received on or after 1/30/2020) annual fee, but you could also end up with a high interest rate. The card charges a variable APR on purchases of 17.24% - 26.24%, based on your creditworthiness.

If you don’t think you’ll use the card’s perks often enough or you plan to carry a balance, you may find it difficult to get enough value out of the card to make it worth its cost.

What else you need to know

In addition to the main features the card offers, here are some other details that can help you determine whether it’s the right choice for you:

  • If you’re careful about the way you use the card, it could help you build a positive business credit history
  • It requires you to personally guarantee the charges on the card with your business
  • You’ll get access to a specialized concierge service
  • You’ll get various trip protections, including baggage insurance, rental car insurance, travel accident insurance and premium roadside assistance
  • It comes with expense management tools to help you keep track of and organize your expenses for accounting

Who this card is good for

Like most airline credit cards for businesses, the Delta Reserve for Business Credit Card is designed for a select group of people: business owners who fly and want rewards and perks with Delta Air Lines.

The card is worth considering if you can stomach a $450 ($550 if application is received on or after 1/30/2020) annual fee and you fly often enough to make up for that cost through the card’s benefits.

But if you want to gain access to the Delta SkyMiles® program without a steep annual fee, or you don’t think you’d utilize the benefits enough to maximize their value, the card likely wouldn’t be worth it.

Not sure this is the card for you? Consider these alternatives.

As with any credit card, it’s a good idea to shop around and compare the Delta Reserve for Business Credit Card with other credit card offers before you apply. Here are some to consider.

  • Gold Delta SkyMiles® Business Credit Card from American Express: Consider this option if you’re loyal to Delta but don’t want a super-expensive credit card.
  • The Business Platinum® Card from American Express: Consider this card if you want the option to visit Delta Sky Club® and other lounges, plus more rewards flexibility.
  • Ink Business Preferred℠ Credit Card: Consider this card if you want to maximize both value and flexibility with your rewards.