Updated: April 13, 2018

Delta Reserve for Business Credit CardAny business owner that hits the airport more than once or twice a year owes it to themselves to consider a business credit card that earns rewards that can be redeemed for travel. If you’re particular to a specific airline, a co-branded credit card can be a winning option since it allows you to take advantage of perks and rewards geared toward that airline. The Delta Reserve for Business Credit Card (a NextAdvisor advertiser) offers a number of Delta-specific perks alongside limited-time and ongoing opportunities to earn miles toward free flights, seat upgrades and more — though it does come with a hefty annual fee. Is this this right credit card to take your business to new heights? We break down the benefits of this card and compare it to others like it to help you figure out if it’s the right fit.

What does Delta Reserve for Business Credit Card offer?

Delta Reserve for Business Credit Card
  • Earn 2 miles per $1 spent directly with Delta and 1 mile per $1 on other eligible purchases.
  • Spend $3,000 on purchases in the first 3 months of card membership and get 40,000 bonus miles plus 10,000 Medallion Qualification Miles (MQM).
  • Spend $30,000 on purchases in a calendar year and earn an additional $15,000 bonus miles and $15,000 MQM.
  • Redeem miles for Delta flights, seat upgrades, car rentals and merchandise.
  • Gain complimentary access to Delta Sky Clubs for yourself as well as discounted access for up to 2 companions.
  • Enjoy priority boarding and 1 free checked bag on Delta flights.
  • Get 20% off in-flight purchases as a statement credit when you fly Delta.
  • Free employee credit cards help you maximize your rewards earning potential.
  • No foreign transaction fees.
  • $450 annual fee

The Delta Reserve for Business Credit Card earns 2 miles per $1 spent directly with Delta as well as 1 mile per $1 spent on other eligible purchases. Spend just $3,000 on purchases in your first 3 months, and you’ll get a whopping 40,000-mile bonus plus 10,000 Medallion Qualification Miles (MQM), which are Delta’s frequent flyer miles. You can increase that bonus even more by taking advantage of Miles Boost — spend $30,000 in a calendar year and earn an additional $15,000 bonus miles and $15,000 MQM. That’s a total potential first-year bonus of 55,000 bonus miles and 25,000 MQM! Your miles can be redeemed for Delta flights, seat upgrades, car rentals, merchandise and more. A redemption of 5,000 miles is equal to $50 when you use the Pay by Miles option on Delta.com. When you fly, take advantage of all the perks of being a Delta Reserve cardholder: complimentary access to Delta Sky Clubs for yourself plus discounted access for up to 2 guests, priority boarding and one free checked bag on Delta flights, 20% off in-flight purchases (as a statement credit) and more. Though the $450 annual fee is a bit on the steep side, you might find that the perks more than outweigh it, especially when you consider that you get free employee cards to maximize your rewards earning potential and this card can be used abroad without foreign transaction fees. Additionally, bear in mind that you will need to have good to excellent credit to be approved for this card (typically considered to be a credit score of 700 or higher).

How does this card stack up against the competition?

While an airline-branded credit card can be a boon if you value certain kinds of perks like priority boarding, if you are wanting more flexibility in your rewards redemption or a bigger intro bonus, you might find that Delta Reserve for Business Credit Card is not your top pick. Here are some other options that might suit you:

The Capital One Spark Miles for Business card earns a straightforward 2 miles per $1 spent on all purchases you make with it, and there’s an intro bonus of 50,000 miles when you spend $4,500 on purchases within your first 3 months. The annual fee is far cheaper, too — $95/year — and on top of that, it’s waived your first year. You can redeem miles for travel, either by calling Capital One Rewards Center or by redeeming miles for a statement credit after booking travel online, as well as cash, gift cards, merchandise and more. There aren’t any foreign transaction fees, and this card requires good to excellent credit for approval. Not feeling the annual fee? The Capital One Spark Miles Select for Business card earns similar rewards — 1.5 miles per $1 on purchases — and has no annual fee whatsoever. It also offers a 0% intro APR on purchases for 9 months and has a 20,000-mile intro bonus opportunity.

The Gold Delta SkyMiles Business Credit Card from American Express offers fewer bells and whistles, but it has comparable rewards and a nice intro bonus opportunity. Gold Delta SkyMiles Business Credit Card owners earn 2 miles per $1 on eligible Delta purchases, and there’s a bonus opportunity of 30,000 miles for spending $1,000 on purchases in your first 3 months. This card charges $95 for its annual fee, which is waived your first year. The card also offers Delta-specific perks like a free checked bag and priority boarding on Delta flights, and it has no foreign transaction fees.

Is Delta Reserve for Business Credit Card right for my business?

Though there are some perks you can’t find from the other cards we highlighted, such as complimentary Delta Sky Clubs access, ultimately you may find Delta Reserve for Business Credit Card lacking due to its high annual fee and lackluster bonus opportunity (when compared to other Delta-branded business credit cards from American Express). If earning free Delta flights for your business is a priority, then you are better off choosing one of the other two airline-branded business cards in the American Express roster. And if you’re less concerned about airline-specific perks and rewards, Capital One Spark Miles will get the biggest bang for your buck, with its uncapped 2X miles and comparable 50,000-mile bonus opportunity.

To learn more about these cards and others like them, check out our reviews of the best business credit cards.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.