Delta SkyMiles Reserve Business American Express Card by American Express: 3x flights / airfare on purchases made directly with Delta, 1.5x office supply…
The Delta SkyMiles Reserve Business American Express Card is American Express's premium credit card. The $650/yr annual fee includes a 200,000-point welcome bonus after spending $20,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Rideshare credit | $120/mo | Up to $10/mo in statement credits on U.S. rideshare purchases with select providers |
| Delta Stays credit | $250/yr | Up to $250/yr in statement credits on prepaid hotels or vacation rentals booked through Delta Stays on delta.com |
| Resy U.S. restaurants | $240/mo | Up to $20/mo in statement credits at U.S. Resy restaurants after enrollment through americanexpress.com |
| Companion Certificate (Delta First/Comfort/Main, annual) | $400/yr | One Companion Certificate each year after card renewal, valid on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight. Companion pays only government-imposed taxes/fees of $22-$250. Delta Basic excluded. |
| Global Entry / TSA PreCheck application fee | $120/quadrennial | Statement credit every 4 years for Global Entry ($120) or TSA PreCheck (up to $85) application fee charged to the card. |
Welcome bonus value (year one): ~$2400. Annual statement credits: $1130. Minus the $650 annual fee = ~$2880 in year-one net value before any spending earn. RewardsGuru rating: 3.9/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
200,000 points after spending $20,000 in the first 6 months. At our ~1.2¢/pt valuation, that's roughly $2400 in real value.
Year-one math: welcome bonus value (~$2400) + annual credits ($1130) − $650 fee = ~$2880 net before spending earn. Year-two onward, the credits alone need to clear $650 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
5 recurring statement credits: Rideshare credit ($120/mo), Delta Stays credit ($250/yr), Resy U.S. restaurants ($240/mo), Companion Certificate (Delta First/Comfort/Main, annual) ($400/yr), Global Entry / TSA PreCheck application fee ($120). Total: $1130/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.