Who it's for
Airline loyaltyPremium travelAirport loungesLounge access
Delta Reserve
Sky Club access capped at 15 visits/yr since 2024 — use Centurion access (free when flying Delta same-day) as overflow. Best Delta card for those pursuing Medallion status seriously.
$823/yrest. value at typical spending
$650annual fee
$560yearly credits
$90fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1.8x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 1 transfer partner · Airport lounge access
- 15 Delta Sky Club visits annually when flying Delta (unlimited after $75k annual spend)
- Centurion Lounge + Escape Lounge access when flying Delta same-day
- Annual companion certificate (Domestic First Class, Comfort+, or Main Cabin)
- $240 Resy credit ($20/mo) + $200 Delta Stays credit + $120 rideshare credit ($10/mo)
- $2,500 MQD Headstart + $1 MQD per $10 spent (MQD Boost toward Medallion status)
- First AND second checked bag free for cardholder + 8 companions (NEW June 2026)
- 3x SkyMiles on Delta purchases, 1x on everything else
- Upgrade priority over other Medallion members at same tier
Transfer partners
Delta SkyMiles
Head-to-head
Similar cards
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- Amex Platinum$895 annual fee$2,674est. value/yr
- Chase Sapphire Reserve$795 annual fee$2,521est. value/yr
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