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Delta SkyMiles Reserve Business American Express Card

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 75,000 points after spending $10,000 within the first 6 months (terms apply). See rates and fees

Bonus Value

Approximately $750

Annual Fee

Card Rewards

3 points on Delta purchases

1.5 points on transit, U.S. shipping, U.S. office supplies, and on all purchases if you spend $150,000 on your card per calendar year

1 point on other purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: April 11, 2024 | Credit Card Review
Card Overview

The card_name  (American Express is a HelpMeBuildCredit advertiser) is the most luxurious Delta business credit card available. The card will do a lot to help you lock in free upgrades on Delta flights. Plus, it includes many more great Delta benefits including the first checked bag free for you and up to eight companions, priority boarding, bonus MQDs, and more. The card comes with up to a $20 monthly credit for Resy purchases and up to a $10 monthly credit for rideshare purchases.  Drive in comfort with a complimentary upgrade to Hertz President’s Circle® Status. Don't travel alone! Get an annual, free companion certificate. The certificate is valid for any round-trip, first class, Delta Comfort+, or main cabin domestic travel (including Alaska, Hawaii, Mexico, Caribbean, and Central America). You will only need to pay the companion's taxes and fees (max $80 for domestic flights and $250 for international flights).  It also comes along with a full suite of travel benefits including airport lounge access (when flying Delta), Global Entry and TSA Precheck, lost luggage insurance, and more! But keep in mind, it does have a super high annual fee ($650).

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards. No Preset Spending Limit* cards are not included in this rule and do not get counted.
  • Max cards: You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
  • Credit bureau: Amex will usually pull your Experian credit report
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
  • Check application status: You can check your application status here or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
  • Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

  • Downgrade options: The card_name card can be downgraded to the card_name ($350), or to the card_name ($150 -waived 1st year). Please note, it is not recommended to downgrade an Amex card before 12 months of account opening. 

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
705 Avg. Score of those approved
0% Denied
Approved 100% (1)
Denied 0% (0)

Credit limit range $8,000-$8,000

Avg. Credit limit$8,000

Approved 100% (1)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
You can only earn 1 welcome offer per lifetime on each Amex credit card. If you are not eligible for the welcome offer you will be notified by Amex before you submit the application. 
Card Details And Benefits
Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $75,000. You can purchase a premium plan from Amex that will offer primary coverage up to 42 days. Max $100,000.

Cell Phone Protection

Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone is damaged or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Delta Reserve Business credit card. Max 2 claims per year.

Companion Certificate

Earn a free annual companion certificate. The certificate is valid for any round-trip, first class, Delta Comfort+, or main cabin domestic travel (including Alaska, Hawaii, Mexico, Caribbean, and Central America) booked in fare classes L, U, T, X or V. You will need to pay the companions taxes and fees. Max $80 for domestic flights and $250 for intranational flights.

Credits

Get up to $240 at Resy. Get $20 each month you use your card for purchases at Resy. Enrollment is required.

Get up to $120 for rideshare. Get $10 each month you use your card for rideshare purchases. Enrollment is required.

Get up to $250 back for Delta stays booked on Delta.com.

Extended Warranty Protection

Get one additional year to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.

Extra Redemption Value

Get a 15% discount when booking an award flight on Delta using your Delta Miles.

Points are worth a minimum of 1 cent per mile on Delta flights when you book flights with the Pay With Miles program.

Free Baggage

Free checked bag for you and up to 8 companions traveling on the same reservation. To qualify, make sure to include your SkyMiles number on your reservation.

Global Entry and TSA pre-check

Get a statement credit for Global Entry or TSA Pre-Check every 4-4.5 years.

Inflight Savings

Receive a 20% discount on inflight purchases.

Lost Luggage Reimbursement

Get covered for lost or damaged luggage up to $500 per person for checked baggage and up to $1,250 per person for carry-on baggage. Max $10,000 per trip for NY residents.

Lounge Access

Access to Delta Sky Club (when flying Delta) plus, two one time guest passes each year, plus get access to Centurion Lounges (when flying Delta).

As of 02/01/25: Receive 15 Visits to Delta Sky Club per year. If you spend $75,000 on your card between 01/01/24 and 12/31/25 then you can get unlimited Visits each calendar year thereafter.

You can purchase additional Delta Sky Club Visits for $50 per person.

Priority Boarding

Get complimentary priority boarding on Delta flights.

Purchase Protection

Get refunded if your purchase is damaged, lost, or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Return Protection

Not happy with a purchase? Get a refund on purchases that have passed the store return policy – up to 90 days from date of purchase. Max $300 per claim, max $1,000 per year.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person per trip, max $20,000 per year for non-refundable travel expenses including flight tickets, hotels, and more.

Trip Delay Reimbursement

If your flight is delayed for 6+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items. Up to 2 claims per year.

Upgraded Statuses

Get $2500 MQDs head start each year on Feb 1st

Get 1 MQD for each $10 that you spend on the card within a calendar year

Priority for upgrades within your status class.

Get complimentary upgraded to Hertz President’s Circle® Status

How can the points be used?
Award flights

The points can be used at approximately 1 penny per point to book award flights with one of the following Delta airline partners:

  • Delta
  • Aeroflot
  • Aeromexico
  • Aerolineas Argentinas
  • Air France
  • China Airlines
  • China Eastern
  • Czech Airlines
  • Garuda Indonesia
  • ITA Airways
  • Kenya Airways  
  • KLM Royal Dutch Airlines
  • Korean Air
  • LATAM
  • Saudia Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Xiamen Airlines
How to book

You can book award flights using your Delta miles with Delta airlines and its partners here.

To book award flights with the following Delta airline partners call 1-800-323-2323:

  • Air Europa
  • Air Tahiti Nui
  • Czech Airlines
  • Kenya Airways
Good redemptions

The Delta redemption scheme is completely revenue-based now for all redemptions, both on its own metal and the partners’. 

There are no predictable sweet spots, or even predictable good redemptions anymore, and Delta also adds fuel surcharges to many of its partners. However, since there are people (me included) who still have miles in the Delta SkyMiles program, here is what we can do in the confines of this extremely overpriced program.

Look for domestic coach awards

Even though Delta award tickets are revenue-based, there is no single formula that would explain why some awards price higher once others price lower even though they might cost about the same in cash. So whenever you need a cheap domestic ticket, check Delta first. While I have no love for its loyalty program, it’s just a better airline operationally, and when the price is right, it’s a win-win. I prefer flying on Delta to both American or United, although not to JetBlue.

Check Delta Flash Sales

Delta rarely has Business Class tickets on sale, but their so-called flash sales can be dirt-cheap, so when you see an email touting Delta flash sales, don’t rush to discard it. You might find something in there worth checking. 

Additional Resources

 

*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Card Members are responsible for the costs charged by third-party service providers.

Premium Global Assist Hotline

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Cell Phone Protection

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Purchase Protection

Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For rates and fees for the Delta SkyMiles® Reserve Business American Express Card  card please check out this link

See rates and fees
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