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Delta SkyMiles Reserve American Express Card

Delta SkyMiles Reserve American Express Card Purchase Protection

$650/yr annual fee. 2 purchase protection benefits, with what each is worth and the limits that apply.

Annual fee
$650/yr
Estimated value
$15/yr
Benefits
2

Return Protection

$300 coverage

Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.

Purchase Protection

Coverage

Protect your purchases against accidental damage or theft for a specified period after purchase when you use your Delta Reserve card.

Pro Tips

  1. 1Keep receipts for all significant purchases to streamline claims
  2. 2File police reports immediately for stolen items
  3. 3Take photos of damaged items before disposing of them

Value Analysis

Estimated Value
$15

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.