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A closer look, side by side.

Fees, rewards, and benefits — with room to see the differences.

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Delta SkyMiles Reserve American Express Card
American Express
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Annual fee$650
Foreign txn fee0%
RewardsDelta SkyMiles
Credits (realistic / face)$414 / $590
Earning by category
Everything else 1.2% 1x SkyMiles
Protections
rental carsecondary
cell phone—
purchase protection90 days, up to $10,000 per occurrence
extended warranty+1 year
trip cancellationUp to $10,000 per trip
trip delayUp to $500 per trip after 6 hours
baggage delay—
return protection—
Benefits
No foreign transaction fees✓ No foreign transaction fees
Airport lounge access✓ Delta Sky Club: 15 visits/yr (unlimited after $75k spend) + Centurion Lounge when flying Delta; 4 guest passes
Companion pass / certificate✓ Annual companion certificate (First, Comfort+ or Main Cabin)
Free checked bag✓ First checked bag free
Priority boarding✓ Zone 5 boarding
Airline elite status boost✓ $2,500 MQD Headstart + $1 MQD per $10 spent
Other✓ Complimentary upgrade priority; TakeOff 15