Delta Skymiles Reserve Business AMEX Card Calculator

Card Details & Skymiles Calculator
3x Delta Purchases
Multiplier Boost After $150k Spend
First Class Complimentary Companion Certificate
Delta SkyClub One-Time Guest Passes
Delta SkyClub Access
Status Boost
Complimentary Upgrades & Upgrade Priority
20% Off Delta In-Flight Purchases
Pay With Miles
MQD Waiver
Centurion Lounge Access
Global Entry / TSA PreCheck
1st Checked Bag Free

Review the benefits of the Delta Skymiles Reserve AMEX (2020), calculate how many Skymiles you can earn based on your spend, and compare against top cards.


The Delta Skymiles Reserve Business AMEX Card is Delta's premium business credit card. It's a great card for those who want to experience top-of-the-line benefits when traveling with Delta. This includes the ability to spend your way to Delta Medallion Status, a complimentart first class companion pass for a friend to tag along with you for just the cost of taxes/fees, and access to both Delta SkyClub lounges and American Express Centurion lounges. Lots of the benefits offered on this card mirrors the AMEX Business Platinum Card making it a great alternative.

Bonus Categories

The Delta Skymiles Reserve Business AMEX Card features Delta Airlines purchases as it's only bonus category. The card also features bonus SkyMiles after reaching a certain threshold of spend, that's good for the remainder of the calendar year. There is no limit to the amount of bonus miles you can earn using your card on Delta purchases and no limit to the amount of miles you can earn using the card overall.

  • 3x Delta Airlines
    • Includes:
      • Purchases via delta.com, phone reservations and the ticket counter
      • Upgrades
      • Miles
      • Seat Selection
      • Delta Sky Club® membership or passes
      • Pre-purchased meals
      • In-flight purchases of food, alcoholic beverages and audio headsets on Delta-operated flights
    • In-flight purchases of wireless internet access is not counted as a Delta purchase.
  • 1x/1.5x Non-Category
    • Earn an additional 0.5 SkyMiles per $1 spent for the remainder of the calendar year once you've hit $150,000 in total card spend for a total of 1.5x.
    • If you've spent less than $150,000 on the card, you'll earn at the 1x non-category rate.

Perks & Benefits

The Delta SkyMiles Reserve Business Card takes the benefits of the Delta SkyMiles Platinum Business Card and bumps them up a few notches. It's a great card for anyone who truely wants everything Delta has to offer.

  • Annual First Class Companion Pass
    • Annual benefit starting on your first card anniversary, and every card anniversary from then on.
    • Companion can travel along with you on a First Class (or Main Cabin... but don't do that) booking for just the cost of taxes and fees.
    • Applies to travel between the 48 contiguous states; if you live in a non-contiguous state, it's good for travel to the continguous states.
  • Complimentary Delta SkyClub Access
    • Applies to you and additional Reserve card members.
    • Must be traveling on a same-day Delta-marketed or -operated flight.
    • If you or an additional card member is traveling on a Delta partner flight, you'll be charged a reduced fee of $39 per person, per location on the Reserve Card.
  • 2 Delta SkyClub One-Time Guest Passes
    • Receive two one-time guest passes for complimentary access to the Delta SkyClub annually.
    • Good for one year.
    • Guests using the pass must be traveling on a same-day Delta-marketed or -operated flight.
  • Centurion Lounge Access
    • Complimentary access to American Express Centurion Lounges when flying on a same-day Delta-marketed or -operated flight.
    • Must book your flight on a U.S. issued American Express Card.
    • You can bring up to two guests for $50 per guest, per location.
    • You can obtain complimentary Centurion Lounge access with the AMEX Platinum and AMEX Business Platinum cards.
  • Status Boost
    • Earn 15,000 Medallion Qualification Miles (MQMs) for every $30,000 in spend ran across the card.
    • Can earn the status boost four times per calendar year for a total of 60,000 MQMs after $120,000 in spend.
    • Status Boost can be stacked with Status Boosts earned from other Delta AMEX credit cards.
  • Complimentary Upgrades & Upgrade Priority
    • Offers better chance to receive complimentary upgrades over non-cardholders with the same Medallion level as you.
    • If you're a non-Medallion member, you'll be eligible for complimentary upgrades.
  • Global Entry/TSA PreCheck Credit
  • Medallion Qualification Dollar (MQD) Waiver
    • Spending $25,000 will waive the MQD requirement for Silver, Gold, and Platinum Medallion Status.
    • Spending $250,000 will waive the MQD requirement for Diamond Medallion Status.
    • Credit card spend between all of your Delta AMEX cards will count as long as you have at least a personal or business version of the Delta Platinum or Delta Reserve AMEX cards.
  • First Checked Bag Free
    • Applies to you and up to 8 other people traveling in the same reservation.
    • You do not have to use the card to get the free checked bag; card just has to be attached to your SkyMiles account.
    • Saves you minimally $25-$30 per one-way trip or $50-$60 roundtrip.
  • 20% Off In-Flight Purchases
    • Applies to Delta-operated flights.
    • Discount is issued in the form of a statement credit.
    • Qualifying purchases include pre-purchased meals and in-flight purchases of food, alcoholic beverages, and audio headsets.
  • Pay With Miles
    • Use Delta SkyMiles to lower the price of your airfare.
    • Redeem in 5,000-SkyMile increments which equals $50 off.
    • Gives your SkyMiles a value of 1 cent each.
  • AMEX Benefits
    • American Express Experiences
    • American Express Presale(s)
    • American Express Seating
    • AMEX Offers
  • AMEX Business Card Benefits
    • Account Manager
    • Vendor Pay by Bill.com
    • American Express Business App
  • Protections and Insurance
    • Baggage Insurance Plan
    • Car Rental Loss & Damage Insurance
    • Extended Warranty
    • Purchase Protection
    • Return Protection
    • Trip Delay Insurance
    • Trip Cancellation and Interruption Insurance

Sign Up Bonus (SUB)

The standard sign up bonus for the Delta Skymiles Reserve Business AMEX Card is 30,000 Skymiles and 10,000 MQMs after spending $3,000 on the card within the first 3 months of having it. This is on the lower side compared to what this card can offer at times, but the MQMs are a nice touch for those who want/need them. Sometimes AMEX offers a slightly higher "Welcome Offer" of 40,000 Skymiles and 10,000 MQMs.

The best bonus for the Delta Skymiles Reserve Business AMEX is the 70,000 Skymiles for either $3,000 or $5,000 spend within the first three months. This is sign up bonuses that pops up only a few times per year and is not as frequent as the promo sign up bonuses offered on the Gold and Platinum versions of the Delta AMEX Cards. If you run across this particular promotional sign up bonus, I recommend going for it if justified.

Fees

Annual Fee

The annual fee for the Delta Skymiles Reserve Business AMEX is $550. This card does not offer any type of annual credits, so the value of this card will depend on how much you value each of the cards benefits. To me, the First Class Companion Pass can be worth the value of the entire annual fee. Other benefits such as status boost, Delta SkyClub and AMEX Centurion lounge access, and upgrade priority also help push the value of this card. The benefits of this card can easily outweigh the $550 price tag attached to the card.

Authorized User Fee

Adding employee cards to the Delta Skymiles Reserve Business AMEX will cost you $0, but if you want to add additional Reserve Cards it will cost $175 per user. Regular cardholders will not gain any real benefits outside of helping you run spend through the card to earn Skymiles and push you closer to the benefits requiring heavy spend. On the other hand, additional Reserve cardholders will have a few additional benefits which includes access to Delta SkyClubs.

Foreign Transaction Fee

There is no foreign transaction fee for using the Delta Skymiles Reserve Business AMEX Card. This means you will not be charged a fee when using the card for international shopping and travel. While that's fine and dandy, you will not earn much in terms of using this card internationally. If you're looking to earn Skymiles on international purchases (at least for dining and travel), you'll want to consider Membership Rewards credit cards.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
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Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
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Grand Total
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Total Card Value
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Total Return
The percent you are earning per dollar spent on this card.

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