Credit Cards

What Credit Card Gives You Access To Airport Lounges?

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 5 minute read

Even if the yearly charge is hefty, regular Delta fliers will profit greatly from this business card. The Delta SkyMiles® Reserve Business American Express Card should be considered by frequent Delta passengers. In spite of the high annual fee, this card’s advantages and rewards may make it worth it, especially in light of the fact that this is a premium travel rewards card.

The Amex Delta SkyMiles Reserve Business Card stands out in a crowded field because of its large introductory bonus, airline lounge access, and the ability to earn Delta Medallion Qualifying Miles (MQMs). You may be better off exploring elsewhere for an airline-specific credit card if you don’t frequently fly with Delta, as these cards typically provide more extensive travel bonuses.

Is this the right card for you? In this study, you’ll learn all you need to know about the Amex Delta SkyMiles Reserve Business Card to determine if this is the best airline credit card for you.

Who should get this card?

The Amex Delta SkyMiles Reserve Company Card is a great option for business owners who frequently fly Delta and want to travel in elegance. For those who use their cards to charge at least $30,000 a year and gain further upgrades through Delta’s Medallion program, this is especially true.

You may, however, want to explore elsewhere for a better rate if you don’t check your luggage, enjoy airport lounges, or fly on a variety of carriers. The annual cost for this card is comparable to other general-purpose travel credit cards that offer more airline lounge access or more points earning and redemption options. Only if Delta is your primary airline of choice should you acquire this credit card.


  • After spending $6,000 in the first three months, you’ll get 110,000 additional miles, which expires on April 13, 2022. Earning enough MQMs can lead to an elite status in the Delta Medallion program, which comes with privileges such as free Sky Club membership and upgraded seats.
  • Mileage increase. Get 15,000 MQMs after spending $30,000 and another 15,000 MQMs and bonus miles after spending $60,000, $90,000 and $120,000 in a single year. Combined with your 10,000-MQM welcome incentive, your first $30,000 in spending will earn you Silver Medallion status. Silver Status entitles you to 7 MQMs for every dollar spent with Delta, as well as free checked baggage, priority check-in, and many other benefits. You may use these MQMs to upgrade to First Class or Delta Comfort+ at any time. Additional 3,750 MQMs can be earned once you spend $30,000 in purchases up to four times in 2021. The 15,000 MQMs you’d previously racked up don’t count toward this bonus requirement.
  • Priority boarding and complimentary checked luggage are included with this card. On a round-trip journey, this can save up to $60.
  • Free drinks, free Wi-Fi, and satellite TV are just some of the advantages you’ll enjoy at a Delta Sky Club airport lounge. In addition to Delta’s lounges, more than 250 partner lounges across the world are accessible to members of the Sky Club.
  • Using your Delta SkyMiles Reserve Card, you are entitled to complimentary entrance to The Centurion Lounge or Escape Lounge – The Centurion Studio Partner if you book a Delta trip with your Reserve Card.
  • You’ll receive a companion ticket each year when you renew your card. For the price of fees, taxes, and luggage fees, you could fly domestically in First Class, Delta Comfort+, or the main cabin on a round-trip basis. For round-trip domestic trips with up to four flight segments, the fees are restricted at $75.
  • Protection for mobile phones. When you use this card to pay off your cell phone bill in full, you’re protected against loss or damage to your phone. Each claim may be made for up to $800, and you can make up to two claims per card account every year. There may be a $50 deductible for each claim.
  • You’ll get up to $10,000 in reimbursement if your flight is cancelled due to a sudden sickness, harsh weather or jury duty, as well as terrorist activity.
  • You can potentially get compensated for up to $500 in unforeseen expenditures if your flight is delayed for more than six hours on a single journey.
    Select benefits may need enrollment or activation.

Best ways to earn

After spending $150,000 in a calendar year, cardholders receive 1.5 miles per dollar in purchases and 1 mile on all other transactions.

Additionally, Delta Medallion members may earn an additional 1.5 Medallion Miles each dollar spent with the airline, which can add up to a significant amount of bonus Medallion Miles. Keep in mind that these Medallion Qualifying Miles allow you to earn additional benefits, including free upgrades, every time you fly with Delta. There is a way to make money:

  • 7 Medallion Miles per dollar with Silver Medallion status
  • 8 Medallion Miles per dollar with Gold Medallion status
  • 9 Medallion Miles per dollar with Platinum Medallion status
  • 11 Medallion Miles per dollar with Diamond Medallion status

By using your credit card frequently and flying a lot at the beginning of the year, you may strive to earn Medallion status as soon as you can. Getting the card right before making a major purchase or going on a big vacation will help you quickly reach Medallion status and earn more Medallion Miles.

Maximizing your redemptions

Pay with Miles allows you to book inexpensive tickets on Delta Air Lines at no cost to you. By using your existing miles to offset a portion of the cost of your ticket, Pay with Miles eliminates the need to wait until you have enough miles to get a free ticket.

Virgin Atlantic, Virgin Australia, Air France, and Hawaiian Airlines are just a few of the partner airlines that accept miles. Or, you may use your miles to book holidays or buy gift cards, although they may not deliver as much value as miles redeemed directly for Delta or its partner airlines.

Other cards to consider

If you’re contemplating the Delta Skymiles Reserve Business Card, here are some more cards to consider:

  • There is a $99 annual charge for the Delta SkyMiles® Gold Business American Express Card (waived first year). However, you only get 75,000 extra miles after spending $3,000 in the first three months (the deal expires on April 13, 2022).

    While the first checked bag is complimentary, this card does not include a companion ticket. The Delta Skymiles Reserve Business Card, on the other hand, provides the opportunity to earn additional MQMs after meeting expenditure requirements, unlike the Delta Skymiles Reserve Business Card.
  • There is a $250 annual charge for the Delta SkyMiles® Platinum Business American Express Card. Obtain MQMs by taking advantage of the sign-up incentive and the yearly mileage increase that is available after meeting certain expenditure requirements. An additional bonus of this credit card is that it comes with a complimentary checked bag and a complimentary companion ticket, but it cannot be used for a first-class flight.
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