Delta SkyMiles® Reserve Business American Express Card Review (2026.1 Update: 125k Offer) – US Credit Card Guide

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2026.1 Update: The new offer is 125k. Expires on 2026.4.1.

2025.9 Update: The new offer is 125k. Expires on 2025.10.29. Expired now.

2025.6 Update: The new offer is 110k. Expires on 2025.7.16. Expired now.

Application Link

Benefits

1. 125k offer: Earn 125,000 Delta miles after spending $15,000 in the first 6 months. This is the best offer in recent years.
2. We value Delta Miles at 1.3 cents/mile (Airline Miles Value). So the 125k highest welcome offer is worth about $1,625! See A Beginner’s Guide to Delta Miles to check for details about Delta Miles.
3. With the Delta Reserve Credit Card, you’ll receive a Companion Certificate good for either domestic coach/first class each year just for renewing your Card. With this Certificate, you can invite someone special to fly with you on an eligible round-trip domestic flight. If you use it properly, it is worth more than $1000 and it is easy to cover the annual fee.
4. Earn 3 miles per $1 spent on Delta purchases. Earn 1.5 miles per $1 spent on transit, U.S. shipping & office supply store purchases. 1 mile per $1 on other purchases.
5. [New] $20 Resy Credit per month. Resy is a restaurant reservation platform, which mainly features higher-end restaurants. You don’t have to reserve from Resy, just go to the restaurants partnered with Resy and pay with this card to get the credit. Enrollment required.
6. [New] $10 Rideshare Credit per month. Enrollment required.
7. [New] $250 Delta Stays Credit: Get up to $250 back per year as a statement credit after using this card to book prepaid hotels or vacation rentals through Delta Stays on delta.com/stays.
8. Airport Lounge policies:
   1. Complimentary access to Delta Sky Club. Keeping this card is equivalent to have a become a Delta Sky Club Member (annual fee $450), and $29 for each companion. [2023.9 Update] Effective 2/1/25, Reserve Business Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
   2. Complimentary access to The Centurion Lounge when you book your Delta flight with your Reserve Card.
9. Get 2 Delta Sky Club One-Time Guest Passes each year.
10. First checked bag free on Delta flights.
11. Priority boarding on Delta flights.
12. 20% savings on in–flight foods and entertainment.
13. MQD boost: Earn $1 Medallion Qualification Dollar (MQD) for each $10 of purchases.
14. [New] MQD Headstart: receive $2,500 Medallion Qualification Dollars (MQD) each Medallion Qualification Year with MQD Headstart.
15. [New] Complimentary Upgrade List. Well, but your position is after Delta SkyMiles Medallion Members and Reserve Card Members.
16. Global Entry or TSA Pre✔ Fee Credit.
17. Cell phone protection: get up to $800 per claim and 2 claims per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Deductible $50.
18. With this credit card, you can get access to Amex Offer, which usually offers very good discounts at some stores, such as: spend $15 or more and get $5 back at Walmart; spend $75 or more and get $25 back on Amazon.com.
19. No foreign transaction fee.
20. Authorized users also have access to the airport lounge mentioned in 4.

Disadvantages

1. $650 annual fee, NOT waived for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!
2. Annual fee for each additional Delta Reserve Credit Card is $175.

DL Companion Certificate Rules

• You can only use the companion certificate on Delta flight only (including Delta connection, Delta shuttles)
• You’ll need to buy your tickets at least 14 days in advance with a minimum 3 night stay
• You must book seats in fare class L, U, or T (discount coach class) only or discount first class
• You and your companion must fly the exact same itinerary
• Taxes and Fees apply to the companion ticket
• Companion certificates can be transferred，but are not eligible for upgrades
• If you cancel a companion itinerary, you won’t get the certificate back
• You’ll earn miles on the paid ticket, but not the companion ticket
• You must use your Delta Reserve card to pay for the tickets

Recommended Application Time

1. You can only get the welcome bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
2. AmEx doesn’t care about the number of hard pulls.
3. You can try to apply for it when you have a credit history of 6 months.
4. Only one AmEx credit card can be approved in a day. This rule does not apply to charge cards, you can be approved for one credit card and multiple charge cards in the day. Multiple cards approved in the same day will only have one Hard Pull.
5. Only 2 AmEx credit cards can be approved within 90 days, but again, this rule does not apply to charge cards.
6. You can keep at most 5 AmEx credit cards, not including charge cards.

Summary

The welcome offer is quite good.

Related Credit Cards

Recommended Downgrade Options

• You can not downgrade this card to any card with no annual fee, so I suggest you close it when you don’t want to keep it any longer.

After Applying

• Click here to check AmEx application status.
• AmEx reconsideration backdoor number: 877-399-3083. The “real” backdoor number of Amex is well protected. Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

Historical Offers Chart

Application Link

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