Delta SkyMiles Reserve Business Benefits, Credits & Annual Fee

• $240 Resy Credit$20 / moTrackableEnrollment required

  Card member can earn up to $20 each month in statement credits on eligible purchases at qualifying U.S. Resy restaurants (up to $240 annually). Enrollment required. Distinct from Global Dining Access by Resy reservation access.

  Resets: MonthlyChecked Sep 14, 2026
• American Express Venue Collection Concessions Statement Credit$250 / yrTrackable

  Get 10% back in statement credits on qualifying food and beverage concessions at American Express Venue Collection stadiums and arenas. Enroll your card and use it to pay at participating venues. Credits are capped at $250 per calendar year; the offer ends December 31, 2026.

  Resets: Calendar yearChecked Sep 28, 2026
• Delta Stays Hotel Credit$250 / yrTrackable

  Earn up to $250 back per calendar year as a statement credit when you book hotels through Delta Stays (deltastays.com) using your card. The credit limit resets each calendar year.

  Resets: Calendar yearChecked May 22, 2026
• Global Entry / TSA PreCheck Application Fee Credit$120 / 4yrTrackable

  Get a statement credit for your Global Entry ($120) or TSA PreCheck (up to $85) application fee. Pay the fee with your Card to receive the credit. You can use it once every 4 years, and it applies to the basic Card Member only.

  Resets: Every 4 yearsChecked Oct 9, 2026
• In-Flight Purchases Statement Credit

  Get 20% back as a statement credit on eligible Delta food and beverage purchases. Use your card for in-flight food and drinks on Delta-operated flights or eligible pre-purchased meals. The savings apply to qualifying purchases charged to your card account.

  Checked Sep 28, 2026
• Rideshare Credit$10 / moTrackableEnrollment required

  Get up to $10 back per month as a statement credit on U.S. rideshare purchases, adding up to $120 per year. Pay for your ride with your card to earn the credit automatically each month. Enrollment is required, and only select rideshare providers qualify.

  Resets: MonthlyChecked May 22, 2026

Travel Benefits

• Upgrade Priority

  Get a higher position on Delta's upgrade list ahead of other customers who share your Medallion tier, fare class, and Million Miler status. This applies automatically on eligible Delta flights - no action required. Priority is determined by your card membership in addition to standard Medallion factors.

  Checked May 22, 2026
• Annual Companion CertificateTrackable

  Get a companion certificate each year after card renewal, good for one round-trip Delta flight in First Class, Delta Comfort+, or Main Cabin to domestic, Caribbean, or Central American destinations. The companion pays government taxes and fees of $22-$250 (for itineraries up to four segments). Baggage charges and other restrictions apply.

  Resets: Card anniversaryChecked Sep 15, 2026
• Award Travel Discount

  Save 15% on the miles required for Award Travel when you book Delta flights on delta.com or the Fly Delta app. The discount applies automatically at checkout with no promo code needed. It does not apply to partner-operated flights or to taxes and fees.

  Checked May 22, 2026
• Complimentary Upgrade List

  Get access to Delta's complimentary upgrade list after Medallion members. Add your SkyMiles number to an eligible reservation to be considered for Delta First, Delta Comfort, and qualifying Delta One or Delta Premium Select flights. Delta One and Premium Select eligibility under this benefit is limited to flights within the 50 U.S. states.

  Checked Sep 28, 2026
• Free First Checked Bag

  Check your first bag for free on Delta flights, saving up to $35 each way ($70 round-trip) per person. The benefit applies automatically when your SkyMiles number is linked to your card and associated with your reservation. Only the Basic Card Member and traveling companions on the same reservation qualify.

  Checked May 22, 2026
• Lowest Hotel Rates Guarantee

  Get the price difference refunded if you find a lower qualifying hotel rate online. Book through amextravel.com or the Amex Travel app, then submit a qualifying lower-price claim. The comparison must match the room, dates, guests, rate, and booking policies; prices are compared before taxes and fees.

  Checked Sep 28, 2026
• Pay with Miles$50 / yr

  Redeem miles to reduce the cost of a Delta flight booked on delta.com, at a rate of 5,000 miles per $50 off. You can apply multiple redemptions per booking, up to $50 off per 5,000 miles used. This must be done at the time of booking on delta.com.

  Checked Oct 9, 2026
• Priority Boarding

  Get Zone 5 Priority Boarding on Delta and Delta Connection-operated flights. Include your SkyMiles number on the reservation so Delta can recognize your Basic Card benefit. Boarding priority applies to eligible flights when the cardholder's number is on the booking.

  Checked Sep 28, 2026
• Second Checked Bag Free

  Get your second checked bag free on domestic Delta flights. Use your card's baggage benefit when checking bags for an eligible Delta trip. Unlike the first-bag benefit, the free second bag is limited to domestic flights.

  Checked Sep 28, 2026

Lounge Access

• 4 Delta Sky Club One-Time Guest PassesTrackable

  Get four one-time guest passes each year for Delta Sky Club or Grab and Go access. Basic Card members can use the passes for guests when visiting; passes arrive after account opening and after February 1 in later years. They expire January 31, and Additional Card members do not receive passes.

  Resets: Calendar yearChecked Sep 28, 2026
• Complimentary Centurion Lounge and Escape Lounge Access

  When you purchase a Delta flight with the Delta SkyMiles Reserve Business Card, receive complimentary access to The Centurion Lounge (including Sidecar) and Escape Lounges. Delta flight must be purchased with the card.

  Checked Sep 14, 2026
• Complimentary Delta Sky Club AccessTrackable

  Get 15 visits per Medallion Year to Delta Sky Club lounges when traveling on a same-day Delta flight. Visits are tracked and reset each Medallion Year. Unlimited access after $75,000 in calendar-year spend is tracked as a spend goal.

  Resets: Calendar yearChecked Oct 1, 2026
• Delta Sky Club Unlimited Access after $75,000 SpendTrackableMin spend $75,000

  Spend $75,000 or more on eligible purchases in a calendar year to unlock unlimited Delta Sky Club visits for the remainder of that year. The base 15 visits per Medallion Year are tracked separately.

  Resets: Calendar yearChecked Sep 27, 2026

Airline Status

• MQD Earn Rate on Spending

  For every $10 you spend on the card, you earn $1 in Medallion Qualification Dollars toward Delta elite status. These MQDs stack on top of the annual $2,500 MQD head start and any MQDs earned from flying Delta.

  Checked Sep 28, 2026
• MQD Headstart

  Get a head start on Delta Medallion Status with $2,500 in Medallion Qualification Dollars (MQDs) credited to your account each Medallion Qualification Year. This reduces the flying and spending required to reach or maintain Medallion Status. The credit posts automatically - no action needed.

  Checked May 22, 2026

Rental Car

• Car Rental Loss and Damage Insurance

  Covers damage to or theft of a rental car when you reserve and pay for the full rental with your card and decline the collision damage waiver (CDW) at the counter. Coverage is secondary to any other applicable insurance you carry. Not available for rentals in Australia, Italy, or New Zealand.

  Checked Sep 28, 2026
• Hertz President's Circle StatusEnrollment required

  Get complimentary Hertz President's Circle elite status, which includes perks like upgrades and guaranteed car availability. To activate, add your Hertz Gold Plus Rewards number to your SkyMiles account and enroll in the promotion at delta.com/hertz. Enrollment in Hertz Gold Plus Rewards is required first.

  Checked May 22, 2026

Travel Insurance

• Trip Delay Insurance

  Covers up to $500 in additional expenses - like meals and lodging - when a covered reason delays your round-trip by more than 6 hours. Pay for the entire round-trip with your card to be eligible. Limited to 2 claims per card per 12-month period.

  Checked Sep 26, 2026
• Baggage Insurance Plan

  Covers lost, damaged, or stolen bags when you buy your ticket entirely with your card - up to $1,250 for carry-on and up to $500 for checked baggage, on top of any carrier reimbursement. NY residents have a $10,000 aggregate maximum per trip. Exclusions apply, so review the full terms.

  Checked Oct 9, 2026
• Trip Cancellation and Interruption Insurance

  Reimburses non-refundable trip costs if a covered reason forces you to cancel or cut short a round-trip. Coverage goes up to $10,000 per trip and $20,000 per card per 12-month period. The entire round-trip fare must be paid with your card to qualify.

  Checked Sep 26, 2026

Bonus Earnings

• 3x Miles Earning at Delta3x miles

  Earn 3 miles per dollar on purchases made directly with Delta, including flights, seat upgrades, and in-flight purchases. Use your card at checkout on delta.com, the Fly Delta app, or at the airport. Only purchases made directly with Delta - not through third-party booking sites - qualify.

  Checked Sep 30, 2026
• 1.5X Miles After $150,000 Annual Spend1.5x milesTrackableMin spend $150,000

  After you spend $150,000 in purchases on your Card in a year, earn 1.5 miles on all eligible purchases for the rest of the year. Category bonuses that already pay more than 1.5X are not replaced by this rate when higher.

  Resets: Calendar yearChecked Sep 30, 2026
• 1.5x Miles Earning on Transit, U.S. Shipping, and Office Supply Stores1.5x miles

  Earn 1.5 miles per dollar on eligible transit, U.S. shipping, and U.S. office supply store purchases. This rate applies automatically when you pay with your card at qualifying merchants. Only U.S.-based shipping and office supply purchases count - international equivalents do not.

  Checked Sep 30, 2026
• 1x Miles Earning on All Other Purchases1x miles

  Earn 1 mile per dollar on any purchases that don't fall into a higher bonus category, so every swipe still contributes to your SkyMiles balance.

  Checked Sep 30, 2026

Dining Benefits

• Global Dining Access by ResyEnrollment required

  Access hard-to-get restaurant reservations, exclusive dining experiences, and Priority Notify alerts through the Resy app or website. To unlock these perks, add your card to your Resy profile. Access is available globally, wherever Resy-listed restaurants operate.

  Checked May 22, 2026

Purchase Protection

• Cell Phone Protection

  Get reimbursement for repair or replacement of a damaged or stolen cell phone. Pay the prior month's wireless bill with an eligible card account and make sure the phone line appears on that bill. Coverage is up to $800 per claim, with a $50 deductible and two approved claims per 12 months.

  Checked Sep 28, 2026
• Extended Warranty

  Extends the original manufacturer's warranty by up to one additional year on items you buy with your Card. It applies to warranties of 5 years or less. Covered purchases must be in the United States or its territories or possessions.

  Checked Oct 9, 2026
• Purchase Protection

  Get coverage for eligible purchases that are stolen, accidentally damaged, or lost. Pay with your card and file a claim for a covered incident within 90 days of purchase. Coverage is limited to $10,000 per purchase and $50,000 per calendar year, with exclusions.

  Checked Sep 28, 2026
• Return Protection

  Return Protection may help with a covered purchase you need to return. Check your card's benefit terms before requesting reimbursement or filing a claim. Coverage depends on the applicable conditions and exclusions; the available benefit details do not specify a reimbursement amount or claim window.

  Checked Sep 28, 2026

Concierge & Membership

• American Express Concierge

  Get help with select reservations, available event tickets, travel questions, and shopping requests. Contact American Express Concierge to request a service on your behalf. Assistance is limited to available options and requests American Express considers reasonable.

  Checked Sep 28, 2026
• Premium Global Assist Hotline Emergency Medical Transportation Assistance

  Get help arranging emergency medical transportation through the Premium Global Assist Hotline. Contact the hotline during a qualifying emergency so it can assess and coordinate transportation. Transportation may be provided at no cost only when the hotline approves and coordinates it.

  Checked Oct 9, 2026

Entertainment

• Venue Collection Entrances and Fast Lanes

  Get access to American Express card member entrances or fast lanes at participating Venue Collection locations. Look for the designated entrance at the venue and present your card as required. Entrances and fast lanes are not available at every venue or event.

  Checked Sep 28, 2026
• Amex Preferred Tickets

  Get access to purchase Amex Preferred Tickets for select seats and events. Look for the Preferred Tickets option during the designated sale period and use your eligible American Express Card to buy. Tickets are limited and available only while supplies last.

  Checked Sep 28, 2026
• Amex Presale Tickets

  Get access to Amex Presale Tickets before tickets go on sale to the general public. Look for an eligible presale and use your American Express Card to purchase available seats. Presales cover select events and seats and run only during their specified window.

  Checked Sep 28, 2026
• Amex Reserved Tickets

  Get access to purchase Amex Reserved Tickets for select events. Look for reserved seats during the specified sale period and pay with your American Express Card. Availability is limited to participating events, selected seats, and the applicable purchase window.

  Checked Sep 28, 2026

Fees & Miscellaneous

• Additional Card Fees$175 / yr

  Add cards for other people on your business account. Request an Additional Reserve Business Card for $175 per card each year, or an Additional Platinum Business Card with no annual fee. Card benefits can differ by Additional Card type.

  Checked Oct 9, 2026
• No Foreign Transaction Fees

  Pay no foreign transaction fees on purchases made outside the U.S. Use your card abroad just as you would at home, with no extra percentage added to each transaction.

  Checked May 22, 2026