Delta SkyMiles® Reserve Business American Express Card
Great for luxury business travel
Annual Fee: $650
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their Delta SkyMiles® Reserve Business American Express Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $16,252, with $1,000 being the most common.
Here’s the average credit score of members who matched their Delta SkyMiles® Reserve Business American Express Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 705, with 816 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
28.9%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
48 years
Average age of members who matched this card or similar cards.
$111,553
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
January 11, 2015
Great for achieving status with Delta
— Credit Karma Member
I was recently approved for this card's business version. A lot of people have concern with the annual fee, but if you're using your credit card as a tool, it actually makes a lot of economic sense. It costs $450 for an annual membership in Delta's Skyclub, and you get this for free with the card. There are no foreign transactions fees which is awesome for international travelers. The biggest bonus of all, especially with the revenue-based loyalty programs, is the ability to earn Delta status levels through spend. It's a lot easier to make status by spending these days than flying. The other great thing about being a part of the OPEN platform is access to the Receipt Match app which helps track your business expenses for tax purposes. The personal version of this card does not have this added feature. (Remember if you apply for a business card, this doesn't go on your personal credit report, it goes on your business credit report.) Lastly, in the old comments people were asking about what scores you need to get approved. I have no real clue, but will say at the time of my application, my FICO score was in the mid-650s. My card utilization was close to 56%. However, before applying, I paid off every single credit card debt but at the time of approval, this hadn't been reported to the credit bureaus and I still was approved. The other part is, I've been a customer of AMEX since 2007, almost never carrying a balance but always having monthly spend. AMEX takes a lot of things in consideration. If you're a new customer of AMEX, you'll probably need a slightly higher FICO score, as I hear the average approval is in the low to mid-700s. If you're using a credit card use it as a tool. Remember, you only lose when you carry a balance.
Most helpful negative review
June 23, 2023
Bait and Switch
— Credit Karma Member
I visited a Delta Sky Lounge with a friend and a Delta agent talked me into applying for the SkyMiles Reserve card with the benefit of future Sky Lounge access and 90,000 bonus SkyMiles. After paying the $450.00 annual fee, exceeding the minimum spend and waiting 4 months the points have not arrived to I called customer service. I was told that my bonus was "declined" because I cancelled the SkyMiles Gold card I had for years when I upgraded to the Reserve. This was not disclosed to me by the Delta Agent or the Amex agent when I called to cancel my Gold card. Definitely stopping all spend on this card and cancelling before I get hit with the $450 renewal fee next year.