The Delta Reserve Credit Card, issued by American Express®, is fit for Delta frequent flyers with good credit who want to earn miles with little effort.

Although the rewards program offers the standard one mile for every dollar spent on purchases, cardholders will be happy to know that they can earn two miles for every eligible dollar spent buying groceries, at drugstores, home improvement and hardware stores, gas stations, and for certain U.S. postal services. Cardholders can pay for all or part of their flight with miles earned through the Pay with Miles option.

For cardholders who are interested in earning miles more speedily, they will rack up to 10,000 Medallion® Qualification Miles (MQMs) after making their first purchase with the card. Cardholders will also earn up to 30,000 MQMs with Built-in Miles Boost(SM) for spending $30,000 in one year. If they spend $60,000 in a year, that will add an additional 15,000 MQMs and bonus miles toward their reward account.

MQMs can either be used towards upgrading to Medallion® status or passed on to friends and family members who have Delta SkyMiles® accounts of their own. Every year, cardholders will also be awarded a free companion certificate for domestic travel in either coach or first-class.

In addition to the bonus miles that can be earned, cardholders will have access to a wealth of American Express® benefits. Some of the conveniences offered include concierge services, car rental insurance, travel accident insurance, roadside assistance, and emergency services if a card is ever lost, Global Assist® access, and a year-end summary of all account activity. There are also a few protection services available to cardholders which includes extended warranties, purchase return and protection, and a fraud protection guarantee.

This card offers an attractive 9.99% APR on balance transfers for the first 12 months of cardmembership. After the first 12 months, the rate for any initial balance transferred will be 13.24%. Otherwise, the interest rates for this card are somewhat above average. There is a reduced annual fee of $395 for eligible existing American Express cardmembers. Otherwise the basic annual fee is $450. Additional cards are available at the annual rate of $175 per card.

Bottom line, the Delta Reserve Credit Card is perfect for people who can spend enough to maximize the benefits of carrying the card. An ideal card carrier should not have a problem with the above average rates and may even take advantage of the balance transfer offer which is good through the first 12 months of opening an account.