Is the Delta SkyMiles Reserve Business (Amex) worth it in 2026?

Keep it+$2,745 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 1.4¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus110,000 pts × 1.4¢: +$1,540
Recurring credits (if fully used): +$1,855
Annual fee: −$650
Year-one value: +$2,745
Ongoing (year 2+, no bonus)credits − fee: +$1,205

Recurring credits

First/Comfort+/Main Companion Cert$800/yr
Resy Credit (semi-annual)$240/yr
Rideshare Credit$120/yr
Delta Sky Club access$695/yr

Apply for the Delta SkyMiles Reserve Business (Amex)

The application happens on Delta's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Delta SkyMiles Reserve Business (Amex)iOS app coming soon

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FAQ

Is the Delta SkyMiles Reserve Business (Amex) worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 1.4¢ — adjust both in the calculator for your own situation.

Should I cancel my Delta SkyMiles Reserve Business (Amex)?

Probably not on the numbers alone — the recurring credits ($1,855/yr) already cover the $650 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.