Delta SkyMiles Reserve Requirements: Credit Score & Income Guide
The Delta SkyMiles Reserve from American Express is one of the most competitive credit cards in the travel rewards cards category. With a rating of 7/10, it offers a $650 annual fee and impressive rewards including 3x delta, 1x else.
In this comprehensive review, we break down everything you need to know about the Delta SkyMiles Reserve: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Delta SkyMiles Reserve Overview
The Delta SkyMiles Reserve is issued by American Express and is designed for consumers with Excellent (740+). It carries a rating of 7/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | American Express |
| Annual Fee | $650 |
| Intro APR | N/A |
| Regular APR | 19.24% - 27.24% Variable |
| Rewards | 3x Delta, 1x else |
| Welcome Bonus | 60,000 miles after $5,000 in first 3 months |
| Credit Score | Excellent (740+) |
| Foreign Tx Fee | 0% |
Rewards & Benefits Breakdown
The Delta SkyMiles Reserve earns 3x delta, 1x else. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 3x Delta, 1x else |
| Welcome Bonus | 60,000 miles after $5,000 in first 3 months |
| Intro APR | N/A |
| Credit Score | Excellent (740+) |
To offset the $650 annual fee, make sure you earn at least $32500 in rewards annually through travel and dining spending.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $650 |
| Purchase APR | 19.24% - 27.24% Variable |
| Balance Transfer APR | 19.24% - 27.24% Variable |
| Foreign Transaction Fee | 0% |
Delta SkyMiles Reserve vs Competitors
See how Delta SkyMiles Reserve stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| Chase Sapphire Reserve | $550 | 10x travel, 10x dining, 3x all other | 60,000 points after $4,000 in first 3... | 9/10 |
| American Express Platinum | $695 | 5x flights, 5x hotels | 80,000 points after $8,000 in first 6... | 8/10 |
| Wells Fargo Autograph | $0 | 3x dining/gas/travel/transit/streaming/phone | 20,000 points after $1,000 in first 3... | 8/10 |
| United Explorer | $0 | 2x United/dining, 1x else | 50,000 miles after $3,000 in first 3 ... | 7/10 |
| Citi AAdvantage Platinum | $99 | 2x AA/dining/gas, 1x else | 50,000 miles after $2,500 in first 3 ... | 7/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 3x Delta, 1x else
- Welcome bonus: 60,000 miles after $5,000 in first 3 months
- No foreign transaction fees
- Issued by reputable American Express
❌ Cons
- Annual fee of $650
The Delta SkyMiles Reserve is best for consumers who spend heavily in bonus categories and can justify the annual fee. If you have Excellent (740+) credit and spend $2335/month on average, this card could earn you significant value.
How to Apply for Delta SkyMiles Reserve
Applying for the Delta SkyMiles Reserve is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Excellent (740+) for the best approval odds.
- 2
Compare Your Options
Compare the Delta SkyMiles Reserve with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit American Express.com or the American Express mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Excellent (740+) credit to be approved for the Delta SkyMiles Reserve. Approval is not guaranteed and depends on your overall credit profile.
The $650 annual fee can be easily offset if you earn the welcome bonus and use the card for travel and dining.
The purchase APR is 19.24% - 27.24% Variable.
No, the Delta SkyMiles Reserve does not charge foreign transaction fees, making it great for international travel.
Rewards can be redeemed through your American Express online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Delta SkyMiles Reserve is a solid choice in the travel rewards cards category. With a $650 annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Excellent (740+) credit looking for travel rewards on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Delta SkyMiles Reserve earns 3x delta, 1x else. With a rating of 7/10, it is one of the better options in the travel rewards cards space. Recommended for consumers with Excellent (740+) credit.