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Should I Upgrade from Gold Delta Amex to Delta Reserve Card?

March 22, 2015

•

3 min read

Should I Upgrade from Gold Delta Amex to Delta Reserve Card?

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TPG reader Rob sent me this question on Facebook:

"I'm currently a Delta Diamond Medallion member with a Gold Delta SkyMiles® Credit Card from American Express. I'm trying to determine whether upgrading to the Delta Reserve® Credit Card from American Express is worth the additional $350. I've asked dozens of people and received as many different opinions. What do you think?"

My answer to this question really depends on how much you spend. You should also consider the Platinum Delta SkyMiles Credit Card from American Express, which is kind of an in-between card that doesn't come with lounge access, but still allows you to earn elite miles and has a much lower annual fee.

If you fly Delta, you might be noticing that complimentary upgrades are becoming harder and harder to get. So one benefit of the Delta Reserve is that it acts as a trump card of sorts, so if you're tied for an upgrade with another Medallion member, the Delta Reserve cardholder will get the upgrade first, so having this card may get you a few extra upgrades. The card also comes with lounge access, which you might appreciate if you're a frequent traveler.

You also have the option of earning more Elite qualifying miles if you hit spending thresholds:

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The Platinum Delta SkyMiles Credit Card from American Express allows you to earn 10,000 bonus SkyMiles and 10,000 MQMs after spending $25,000, and another 10,000 bonus SkyMiles and 10,000 MQMs after spending $50,000.
The Delta Reserve® Credit Card from American Express allows you to earn 15,000 bonus SkyMiles and 15,000 MQMs after spending $30,000, and an additional 15,000 bonus SkyMiles and 15,000 MQMs after spending $60,000.

Looking at the price of the Delta SkyClub alone, the $450 annual fee is worth it if you value lounge access. Plus, you get other perks like the companion ticket, which can help pay for the annual fee:

With the Platinum card, you'll receive a domestic Main Cabin Companion Certificate each year upon renewal.
With the Reserve card, you'll receive a domestic First Class or Main Cabin Companion Certificate each year upon renewal.

The Delta Reserve® card is similar to The Platinum Card® from American Express because it's all about perks. If you really value lounge access, you may even want to consider the Amex Platinum instead, because you also get access to Centurion Lounges, Priority Pass, and access to Membership Rewards, which allows you to transfer to not only to Delta, but also about 20 other partners. The key difference is that with the Amex Platinum, you won't get those MQMs or the Companion ticket. That's the trade-off.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at info@thepointsguy.com.

TPG featured card

Best for dining at restaurants

American Express® Gold Card

Apply for American Express® Gold Card

Terms & restrictions apply. See rates & fees

4 / 5

Apply for American Express® Gold Card

at American Express's secure site

Rewards

1 - 4X points

Intro offer

As High As 100,000 points. Find Out Your Offer.

Annual Fee

$325

Recommended Credit

Excellent to Good

Why We Chose It

There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.

Pros

4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
3 points per dollar spent on flights booked directly with the airline or with amextravel.com
Packed with credits foodies will enjoy
Solid welcome bonus

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Apply for American Express® Gold Card

at American Express's secure site

Terms & restrictions apply. See rates & fees

Best for dining at restaurants

American Express® Gold Card

4 / 5

Rewards Rate

4X	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3X	Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X	Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 100,000 points. Find Out Your Offer.
Annual Fee
$325
Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent to Good

Why We Chose It

There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.

Pros

4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
3 points per dollar spent on flights booked directly with the airline or with amextravel.com
Packed with credits foodies will enjoy
Solid welcome bonus

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.