Over $150,000,000 of debt paid off, and counting...

Join other Bright customers who are paying off thousands of dollars of debt.

Delta SkyMiles® Reserve Business American Express Card

Credit needed
Good
APR
Variable: 15.74%-24.74%
Annual Fee
$550

Card Summary

Delta SkyMiles Reserve Business American Express Card offers cardholders 3 miles for eligible Delta purchases and 1 mile each on any other purchases. Spend $150,000 in a calendar year and earn 1.5 miles for every dollar (excluding Delta purchases).

The card has benefits. There is a $550 annual fee. However, the card offers perks such as free access to Delta Sky Club Lounges and a 20% discount on eligible in-flight purchase in the form a statement credit, free first checked bag, concierge service, and zero foreign transaction fees.

Card Summary - Cons

Rates and fees

Issuer Name
American Express
Penalty APR
29.24% Variable
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$550
Cash Advance Fee
The cash advance amount can be either $5 or 3%, depending on which is higher.
APR
Variable: 15.74%-24.74%
Foreign Transaction Fee
None
bright-black-and-green-logo-brightmoney

Here’s a smart way to pay off

American Express

The Best Features

New cardholders receive 60,000 bonus Miles, 10,000 Medallion, Qualification Miles (MQMs) and $100 in statement credit for spending $4,000 on their new Delta SkyMiles Reserve Business American Express Cards within the first three months.

To attain Medallion status at Delta Air Lines, you will need MQMs. To reach Silver status you'll need to have 25,000 MQMs, 30 Medallion Qualification Segments, and $3,000 Medallion Qualification dollars.

Benefits for travel: The Delta SkyMiles Reserve Business American Express Card provides valuable benefits such as free entry to the Delta Sky Club Lounge and 20% off all eligible inflight purchases.

It also offers a first checked bag-free, priority boarding, zero foreign transaction fees, concierge service, and a 20 percent discount on all in-flight purchases. Each year, cardholders receive a companion round trip certificate.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Annual Fee: The card has a $550 fee.

Balance transfers are not allowed with the Delta SkyMiles Reserve Business American Express card.

Highlights

You will receive a welcome offer: After spending $4,000 on purchases with your Card, you'll earn 60,000 bonus points and 10,000 Medallion, Qualification Miles (MQMs) as well as a $100 credit to your statement.

You can earn Status Boost 15,000 Medallion(r), Qualification Miles (MQMs), for every $30,000 you make on your Card within a calendar year. This will bring you closer to Medallion Status.

You will be granted complimentary access to The Centurion, Escape Lounge, or The Centurion Studio Partner when you book a Delta flight. You earn 1.5 miles per dollar on purchases that exceed $150,000 in one calendar year. Only the highest accelerator applies if your purchase is eligible for a specific category.

For example, you might earn 3X miles on direct purchases with Delta. You don't have to pay foreign transaction fees if you make purchases abroad. Delta offers 3 miles for every dollar you spend on eligible Delta purchases. These terms and conditions apply.

Benefits

Delta SkyMiles Reserve Business American Express Card Benefits Cardholders with the Delta SkyMiles Reserve Business American Express Card are eligible for travel and shopping discounts, such as: Concierge service, access to the Delta Sky Club at no cost priority boarding.

All eligible purchases in-flight qualify for 20% off Complementary companion ticket for an entire year Free first checked bag Plan for baggage Insurance for car rental damage and loss Access to the Global Assist Hotline Maximizing Rewards You earn 3 miles per $1 on Delta eligible purchases and 1 mile for all other purchases.

Spend $150,000 in a calendar year and earn 1.5 miles for every dollar. New cardholders of the Delta SkyMiles Reserve Business American Express Card earn 60,000 bonus points, 10,000 Medallion, Qualification Miles (MQMs), as well as a $100 statement credit, after they have spent $4,000 on their new Card within 3 months.

Comparative Analysis with Other Cards

Delta SkyMiles Reserve Business American Express Card Vs. American Express Business Platinum Card

Annual fee: $550 annual fee to receive the Delta SkyMiles Reserve Business American Express card. Annual fee for the American Express Business Platinum Card is $595 (or $695 if you apply after 1/1/2022).

Reward: With the Delta SkyMiles Reserve Business American Express Card, you can earn 3 miles per $1 on eligible Delta purchases and 1 mile for all other purchases. Spend $150,000 in a calendar year and earn 1.5 miles for every dollar.

You can earn 5 points for every dollar you spend on eligible purchases with The Business Platinum card from American Express. Additionally, 1.5 Membership Rewards points are earned per dollar when you make eligible purchases on amextravel.com. Each calendar year, a limit of $2,000,000 in purchases is applied.

Sign-up bonus: New cardholders receive 60,000 bonus Miles, 10,000 Medallion, Qualification Miles (MQMs) and $100 in statement credit for spending $4,000 on their new Delta SkyMiles Reserve Business American Express Cards within the first three months.

After you make $15,000 in eligible purchases within your first three months, the American Express Business Platinum Card will give you 120,000 Membership Rewards.

Benefits: With the Delta SkyMiles Reserve Business American Express Card, you get airline benefits such as 20% off eligible in-flight purchase, priority boarding and complimentary Delta Sky Club membership. You also receive a companion certificate for each round of your account renewal. You also get a global assistance hotline, baggage insurance, and car rental loss/ damage insurance.

American Express's Business Platinum Card offers up to $200 in annual airline fees credit to select airlines, Global Lounge Collection access at airport lounges around the world, and a host of hotel and resort perks including breakfast, early check-in, late checkout and free Wi-Fi.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

bright-white-and-green-logo-brightmoney

No late fees. Reduced interest charges. Pay off

American Express