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Delta Reserve card is a premium American Express card of Delta Airlines. The card's high annual fee of $450 offers you a free checked bag and priority boarding on Delta flights, Delta Sky Club access and earning Elite status. Speaking of those perks, you should understand and evaluate how useful they are for you. For Delta frequent flyers this card is worth its annual fee. If you do not fly Delta often, though, there hardly is a reason to consider this card. Why would you want to pay for perks you do not use or use just once or twice a year? It will be cheaper to buy single visit passes instead of purchasing a membership for a year.

A wise decision can be, is to have a regular travel rewards credit card without an annual fee. Since travel credit cards allow redemptions for travel purchases, you may be able to cover the cost of lounge access as well, using miles or points you've earned.