THE CARDTUNED DATABASE
Delta SkyMiles Reserve Business American Express Card
Issuer: American Express
3X Delta; 1.5X eligible transit, shipping and U.S. office-supply purchases, plus 1.5X all purchases after $150,000 annual spend; 1X other
- Annual fee
- $650
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- 19.49%–28.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
As high as 200,000 Delta miles after $20,000 in purchases in the first 6 months; limited offer expires 2026-11-04
- Spending requirement
- $20,000 in purchases
- Time window
- the first 6 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 3X | Delta 1.5X rules and annual-spend thresholds apply |
| Other purchases | 1.5X | eligible transit, shipping and U.S. office-supply purchases, plus 1.5X all purchases after $150,000 annual spend See card-specific caps and merchant-category rules 1.5X rules and annual-spend thresholds apply |
| Other purchases | 1X | other 1.5X rules and annual-spend thresholds apply |
Additional benefits
• 15 Delta Sky Club visits per Medallion year when flying Delta, with unlimited access available after $75,000 in calendar-year purchases; four one-time guest passes are included
• Centurion Lounge and Escape Lounge access on eligible Delta travel booked with the Card; arrival-window and other access terms apply
• Annual Companion Certificate after renewal for eligible Delta First, Delta Comfort or Delta Main travel; taxes, fees and fare restrictions apply
• $2,500 MQD Headstart plus $1 MQD per $10 in eligible purchases
• First checked bag free on Delta flights worldwide and second checked bag free on domestic Delta flights
• TakeOff 15 discount on eligible Delta-operated award travel
Restrictions to know
1.5X applies to eligible transit, U.S. shipping and U.S. office-supply purchases; after $150,000 annual spend it applies to all eligible purchases for the rest of the year, and only the highest accelerator applies. Lounge access and Companion Certificate limits also apply.
Who can apply
U.S. small-business application
Credit profile: Good–Excellent / issuer underwriting applies