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.

I was approved for the personal version of this (don't trust CK for the rating, go to Amex and see if you prequalify). First, the card is beautiful and definitely a statement piece. It's purple and metal. Second, it's great for building Delta status and the associated perks like Sky Club access.

If you’re thinking about applying for this card don’t waste your time or money. You can pay a little more with the AMEX platinum and receive better benefits. I thought by getting this card I could use the Delta lounge at any time. You have to be on a Delta flight to use the lounge. With the AMEX platinum, same rules apply, but at least you can access the Centurion lounges. If you want to collect Skymiles points/miles than this your card, otherwise it’s worthless. After my my year is up I’m cancelling this garbage credit card.

Great benefits specially if you travel many times a year

There is a hefty $450 annual fee, but you do get a companion ticket for Comfort or First Class. My employer had me travelling last year on average of one to two times per month so card made sense. If you fly multiple times per year this card is worth the annual fee.

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.

The Delta Reserve card has a hefty $450 annual fee. Is it worth it? Yes, but only if you fly Delta a lot and are a heavy spender: - If you mainly just want Delta lounge access, the Amex Platinum also provides it for free and includes more card benefits for an indentical annual fee. With either card, lounge access is now limited only to the cardholder; guests cost $29/each. This is a new program change that is not reflected in the decription above. - The ability to get 20,000 MQMs per year is the main reason I have this card. But I also have no problems running the required $60,000/yr of spend to acheive that bonus because I own a business. I would not find all that much value in this card if I didn't spend that amount with it. Also, keep in mind that you need 25,000 MQMs just to qualify for Silver medallion status on Delta, so having this card alone (without doing quite a bit of flying too) is rather pointless. But the card can be a nice boost.

Have used this card for several years. Great help while traveling: Crown Room, medallion miles that enabled me to attain Platinum more easily---leading to frequent upgrades which have more than paid for the yearly fee. The upgrades at hotels when the concierge service has made reservations--very appreciated. All in all, a most excellent card.

Approved instantly after twelve years with AmEx Platinum. The card's benefits are well worth it, if you're a frequent traveler.