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American Express® Business Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.
While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since integrating SLH hotels into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). The integration is already providing exceptional value at properties with rates in the $1,000 – $2,000 a night range for, on average, 120,000 points a night. So, it appears his musing has become a reality.
And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.
We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,800 Hilton Honors points.
Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring.
For context on the size of this bonus, since 2022 Amex has had 5 transfer bonuses to Amex. A 40% one for Platinum Card holders only early this year and the other 4 were 30%, 25%, 30% and 30%. So this is in line with a standard offer that Amex offers 2 to 3 times a year.
The third of 3 Avios transfer bonuses today, it’s rare to choose the Aer Lingus program except specifically on awards from the East Coast to Dublin. You can transfer these freely to other Avios programs, but this isn’t where I’d move my Amex points all things considered.
On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs.
Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!
Bonus points for spend in the following bonus categories:
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Platinum Card® from American Express
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.
While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since integrating SLH hotels into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). The integration is already providing exceptional value at properties with rates in the $1,000 – $2,000 a night range for, on average, 120,000 points a night. So, it appears his musing has become a reality.
And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.
We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,800 Hilton Honors points.
Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring.
For context on the size of this bonus, since 2022 Amex has had 5 transfer bonuses to Amex. A 40% one for Platinum Card holders only early this year and the other 4 were 30%, 25%, 30% and 30%. So this is in line with a standard offer that Amex offers 2 to 3 times a year.
The third of 3 Avios transfer bonuses today, it’s rare to choose the Aer Lingus program except specifically on awards from the East Coast to Dublin. You can transfer these freely to other Avios programs, but this isn’t where I’d move my Amex points all things considered.
On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs.
Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!
Bonus points for spend in the following bonus categories:
Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.
Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
- With over $1,800 in available statement credits, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
- The Platinum card hasn't shed its travel roots, but it’s expanded beyond to become a lifestyle card with perks like Uber, Saks Fifth Avenue, Equinox, and more. (Enrollment required)
- Amex Membership Rewards points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.
Pros
- A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
- There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
- One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).
Cons
- High annual fee that will require a bit of work to fully maximize.
- Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
- Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Marriott Bonvoy Brilliant® American Express® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Terms apply.
Bonus points for spend in the following bonus categories:
6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X
- Top-tier Marriott benefits, including complimentary Platinum elite status and an annual free night award as well as 25 elite night credits towards earning Titanium or Ambassador status
- Potential to earn an Earned Choice Award every year by spending $60,000+ on this Marriott credit card in a calendar year
- The card offers an up to $300 dining statement credit, which can cut down the annual fee by nearly half
Pros
- Annual free night award presents immense value with a redemption level of up to 85,000 bonus points
- Automatic Platinum elite status comes with free lounge access or breakfast (where available), 4pm checkout (with resorts and convention center properties excluded), and can give you access to space-available suite upgrades
- Top-notch travel benefits, including Priority Pass Select airport lounge membership (enrollment required), Global Entry/TSA PreCheck reimbursement, trip cancellation and interruption insurance and more
Cons
- $650 annual fee is top-of-the-line when it comes to hotel credit cards
- The earning rate isn't as rewarding as many other credit cards, with only up to 3x bonus points on non-Marriott purchases
- The up to $100 Marriott property credit requires a minimum of a 2-night stay booked directly at St. Regis or Ritz-Carlton properties only
While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
American Express® Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Terms Apply. Offer ends 11/6/24.
While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since integrating SLH hotels into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). The integration is already providing exceptional value at properties with rates in the $1,000 – $2,000 a night range for, on average, 120,000 points a night. So, it appears his musing has become a reality.
And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.
We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,800 Hilton Honors points.
Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring.
For context on the size of this bonus, since 2022 Amex has had 5 transfer bonuses to Amex. A 40% one for Platinum Card holders only early this year and the other 4 were 30%, 25%, 30% and 30%. So this is in line with a standard offer that Amex offers 2 to 3 times a year.
The third of 3 Avios transfer bonuses today, it’s rare to choose the Aer Lingus program except specifically on awards from the East Coast to Dublin. You can transfer these freely to other Avios programs, but this isn’t where I’d move my Amex points all things considered.
On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs.
Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!
Bonus points for spend in the following bonus categories:
4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)
At restaurants worldwide (up to $50,000 a year; 1X thereafter)
Booked directly with the airline or via AmexTravel.com
- Amazing Membership Rewards earn rate for spend on dining and at supermarkets as well as airfare
- No Preset Spending Limit. No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- You can choose the traditional American Express Gold Card color or the unique Rose Gold or White Gold versions
Pros
- For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
- Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
- Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service
Cons
- The annual fee of $325, despite the statement credits that can offset it, is steep for some
- Bonus categories are limited to just three
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Marriott Bonvoy Bevy™ American Express® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
Earn 6X points when staying at a Marriott Bonvoy participating hotel booked directly through Marriott or the hotel; else earn 2X
U.S. Supermarkets only. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- The card helps you earn Marriott Bonvoy points faster, with 6x points per dollar spend on the card at a Bonvoy property and 1,000 bonus points on every eligible Marriott stay
- Complimentary Gold elite status as well as 15 annual elite night credits to help you qualify for higher ranks
- Potential to earn a free night award upon spending $15,000+ on the card per calendar year, which is worth around $300, based on our valuation of Marriott Bonvoy points
Pros
- Complimentary Marriott Bonvoy Gold elite status just by holding the card
- On top of the 6x points earning rate at Marriott Bonvoy properties, you can earn 1,000 bonus points for every eligible Marriott Bonvoy stay
- Travel and purchase protections (See Card Details for benefits and disclosures)
Cons
- The Bevy free night award is not given automatically; you must spend at least $15,000 on the card per calendar year
- $250 annual fee is a bit steep, especially for the benefits provided in comparison to the Brilliant and the Boundless cards.
- Marriott Bonvoy Gold elite status isn't as competitive as other hotel loyalty program benefits, considering that The Platinum Card® from American Express offers both complimentary Marriott Gold and Hilton Gold status upon enrollment
While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Reserve Business American Express Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
U.S. Shipping only
U.S. office supply stores only
- Earn MQDs towards Medallion Status bya spend ($1 MQD per $10 spent) and get 2,500 MQDs per year just for having the card!
- Frequent Delta flyer perks like first free checked bag, Main Cabin 1 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
Pros
- Delta Sky Club access when you're flying the same-day with Delta (Visit limits apply beginning in 2025)
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
- Ability to spend your way towards Delta Medallion status with $1 MQD per $10 spent on the card.
Cons
- $650 annual fee
- Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
- Limited bonus categories for spend
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Marriott Bonvoy Business® American Express® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Bonus points for spend in the following bonus categories:
6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.
At U.S. gas stations
With U.S. Cellular Providers
Worldwide
With U.S. Shipping companies
- Earn an annual free night award after your card renewal month (with a redemption level of up to 35,000 Marriott Bonvoy points - or 50,000 if you "top off" with up to 15,000 of your own additional points) with the opportunity to earn an additional free night award from spend
- A solid 7% room rate discount at 8,500+ properties participating in the Marriott Bonvoy program
- Complimentary Marriott Bonvoy elite status (Gold) and 15 annual elite credits with your card membership
Pros
- Earn 4x Marriott Bonvoy points at a wide variety of everyday business categories, including restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping.
- Free night awards galore! You'll earn one upon card renewal with the opportunity to earn an additional free night award after spending $60,000+ in a calendar year
- Complimentary Gold elite status for 25% bonus points on Marriott purchases, 2 p.m. (based on availability) late checkout and space-available enhanced room upgrades
Cons
- $125 annual fee
- Free night award is capped at 35,000 points, although you can use up to 15,000 points of your own to increase that to a 50,000 point room
- Marriott Bonvoy Gold elite status does not offer a ton of perks compared to other hotel loyalty programs or the higher Marriott Bonvoy tiers
While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Platinum Business American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
- Get $2,500 MQDs each year just for having the card! Plus earn 1 MQD per $20 spent on eligible purchases
- Frequent Delta flyers will appreciate the First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding benefits
- Earn an annual companion certificate upon account renewal, valid for roundtrip domestic flights on Delta
Pros
- Earn Medallion status faster
- Receive an annual companion certificate that can be worth way more than the $350 annual fee
- Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years
Cons
- $350 annual fee
- Delta Sky Club access no longer a benefit of the card
- Earns less MQDs per dollar than the higher level Delta Business Reserve card
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Hilton Honors American Express Aspire® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 150,000 Hilton Honors Bonus Points after you make $6,000 in purchases within the first 6 months of Card Membership. Terms apply.
Bonus points for spend in the following bonus categories:
At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points
U.S. dining, including takeout and delivery
- Diamond Elite Status
- Up to $889 in annual statement credits (Terms apply)
- An annual Free Night Reward with no cap on value
Pros
- Diamond Elite Status
- Up to $889 in annual statement credits (Terms apply)
- An annual Free Night Reward with no cap on value
Cons
- Points earned are only good for booking Hilton family stays
- High annual fee (but not really, considering the value)
- We really can't think of a third!
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Reserve American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Bonus points for spend in the following bonus categories:
- Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Receive an annual companion certificate (valid for up to domestic first class!) upon card renewal, potentially saving you hundreds of dollars on Delta flights
- Earn MQDs towards Delta Medallion Status via spend on your Card and get $2,500 MQDs per year just for having the card!
Pros
- Enter the Delta Sky Club before or after your Delta flights
- Earn $1 MQD for every $10 spent on the card (eligible purchases)
- Advantageous perks for Delta frequent flyers, such as a free checked bag and upgrade priority
Cons
- $650 annual fee is steep, no matter how you slice or dice it
- Earning rate is limited to 3x miles on Delta purchases and 1x miles on all other eligible purchases
- Requires a significant amount of annual card spend to reach significant MQDs
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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