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American Express

Delta SkyMiles Reserve

Annual fee $650 · 3x on Delta

Reserve pairs a monthly Resy credit with a monthly rideshare credit, together worth $360 a year against a $650 fee. Delta also issues an annual companion certificate here with no listed dollar value, alongside Sky Club access and a free checked bag.

Fee break-even: 180.6%. Even redeeming every valued credit in full only covers 55.4% of the $650 fee; the rest of this card's case rests on the certificate and perks below.

The math

Each credit's per-occurrence amount, multiplied by how often it resets in a year.

Resy
$20 × 12/yr
$240/yr
Rideshare
$10 × 12/yr
$120/yr
Companion certificate
Once a year · resets by card anniversary
Certificate
Total annualized credits$360/yr

Full credits table

CreditAmountCadenceResets byCategoryNotes
Resy $20 Monthly Calendar year dining None
Rideshare $10 Monthly Calendar year rideshare None
Companion certificate Varies Once a year Card anniversary travel None

Standing perks

Non-dollar perks that come with the card, not counted in the math above.

Track this card automatically.

Perq Wallet keeps every credit on this card current and tells you before any of it resets. Or run the numbers for your own wallet.

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