ResourcesCalculatorsDelta SkyMiles Reserve
$650 Annual Fee

Is the Delta SkyMiles® Reserve Card worth it for you?

Drag in your real annual spend. I'll do the miles math the bank won't — earn rates, your credits, and how you value your miles — then tell you if the fee pays for itself.

Sign-Up Bonus

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Check americanexpress.com for the current offer
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Your Annual Spend

SkyMiles don't have a fixed award chart. TPG values them at ~1.2¢, but strategic redemptions on partner carriers or Upgrade Awards can push well above 2¢.

How you value your miles
Annual spend by category

Enter your estimated annual spend in each bonus category.

Flights, upgrades, vacation packages
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Direct hotel bookings
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Restaurants worldwide
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Card credits

Drag each slider to reflect how much you'd realistically use.

$20/month back on U.S. Resy restaurant purchases. Easy to use if you dine out regularly — the Resy network covers thousands of restaurants.
Ease of use4/5See why we rated it this way →

$20/month credit, does not roll over. Enrollment required each year via your AmEx account.

$/ $240 max
$200 back on prepaid hotels or vacation rentals booked through Delta Stays on delta.com. Useful if you regularly book hotel stays through the portal.
Ease of use3/5See why we rated it this way →

Annual credit; must book via the Delta Stays portal at delta.com/stays.

$/ $200 max
$10/month back on U.S. rideshare purchases (Uber, Lyft, and others). One of the easiest credits to capture if you take a rideshare a few times a month.
Ease of use5/5See why we rated it this way →

$10/month credit, does not roll over. Enrollment required via your AmEx account.

$/ $120 max
$120 statement credit for the Global Entry application fee ($120) or TSA PreCheck (~$85). Global Entry includes TSA PreCheck and is the better value.
Ease of use5/5See why we rated it this way →

Credit applies once every 4.5 years (5-year membership, renewable 6 months early). Most valuable if you don't already have it.

$/ $120 max

See where you'd land on Delta's Medallion ladder. Includes the $2,500 MQD headstart this card provides annually.

2,500 MQD estimated from this card · $2,500 headstart + 0 from spend

Silver Medallion5,000 MQD
+2,500 away
Gold Medallion10,000 MQD
7,500 needed
Platinum Medallion15,000 MQD
12,500 needed
Diamond Medallion28,000 MQD
25,500 needed

Need 2,500 more MQD to reach Silver Medallion

See full Medallion tier perks on Delta.com →

The companion certificate is the main driver of value on this card. It effectively acts as a BOGO for one round trip, as long as the trip is within the U.S., Puerto Rico, U.S. Virgin Islands, Mexico, the Caribbean, or Central America — First Class, Comfort+, or Main Cabin (Delta One is excluded). Your companion pays only the taxes and fees ($22–$250). You can often get more value from using this once than the entire annual fee of the card.

Ease of use4/5
Enter what a round-trip ticket for your companion would have cost at the published fare (First Class, Comfort+, or Main Cabin).
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Optional — enter a dollar value for any benefits you'd use.

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Net value after the $650 fee
$-650.00SKIP IT
Rewards earned$650 fee
Miles earned / year0 mi
Miles value$0.00
Annual fee−$650
Effective return on spend0.00%

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Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.