Delta SkyMiles® Reserve Business American Express Card vs. Delta SkyMiles® Gold Business American Express Card: Which Is Best for You?

Business owners who frequently travel and want to earn miles on purchases can benefit the most from the Delta SkyMiles® Reserve Business American Express Card or the Delta SkyMiles® Gold Business American Express Card. MoneyGeek compared the two to help you choose which card is better for your needs.

Advertising & Editorial DisclosureLast Updated: 11/6/2022
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Last Updated: 11/6/2022

The Delta SkyMiles® Reserve Business American Express Card and the Delta SkyMiles® Gold Business American Express Card are two solid options for Delta flyers who often travel for business. Both cards allow you to earn miles through purchases. But which one is more suitable for you?

MoneyGeek compared the Delta SkyMiles® Reserve Business American Express Card vs. the Delta SkyMiles® Gold Business American Express Card by looking at certain factors, including rewards programs, annual fees, introductory offers and other benefits. For example, the Delta SkyMiles® Reserve Business American Express Card has a high annual fee of $550, whereas the yearly fee for the Delta SkyMiles® Gold Business American Express Card is $99 (waived for the first year).

Comparison Overview: Delta SkyMiles® Reserve Business American Express Card vs. Delta SkyMiles® Gold Business American Express Card

  • Delta SkyMiles® Reserve Business American Express Card
    Delta SkyMiles® Gold Business American Express Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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Delta SkyMiles® Reserve Business American Express Card At a Glance

The Delta SkyMiles® Reserve Business American Express Card is best suited for business travelers looking to earn miles on purchases and have luxury benefits along the way. You will earn 3X miles on every dollar spent made directly with Delta and 1X miles per dollar on all other purchases. The card also offers a hefty welcome bonus and valuable travel benefits that can make up for the $550 annual fee.


  • Delta SkyMiles® Reserve Business American Express Card

    A card that offers many rewards for business travelers who fly Delta frequently.


    • Good-ExcellentRecommended Credit
    • $550Annual Fee
    • 1–3 Miles per $1Rewards Rate
    • 3xRewards Rate on Air Travel
    • 1xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Delta SkyMiles® Gold Business American Express Card At a Glance

Business travelers loyal to Delta can quickly earn value from the Delta SkyMiles® Gold Business American Express Card. You will earn 2X miles on every dollar spent on purchases made directly with Delta, as well as dining at restaurants, U.S. shipping and advertising in select media. The card also has no foreign transaction fees, making it ideal for international travel.


  • Delta SkyMiles® Gold Business American Express Card

    A great miles rewards card with no foreign transaction fee for frequent business travelers


    • Good-ExcellentRecommended Credit
    • $99Annual Fee
    • 1–2 Miles per $1Rewards Rate
    • 2xRewards Rate on Air Travel
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek broke down the differences between the Delta SkyMiles® Reserve Business American Express Card and the Delta SkyMiles® Gold Business American Express Card to help you choose the best business credit card for your needs.

  • Card Detail
    Comparison Summary
  • Travel Coverage

    Both cards have baggage insurance and rental car loss and damage insurance.

    However, the Delta SkyMiles® Reserve Business American Express Card also offers insurance coverage for trip delay, cancellation and interruption. You can be reimbursed up to $500 per trip if your trip is delayed for more than six hours and up to $10,000 if your trip is canceled or interrupted, provided that it was paid for using the card.

    Winner: American Express Delta SkyMiles Reserve Business

  • Welcome Bonus

    The Delta SkyMiles® Reserve Business American Express Card lets you earn 110,000 bonus miles after spending $6,000 within three months of account opening.

    Meanwhile, the Delta SkyMiles® Gold Business American Express Card allows you to earn 75,000 bonus miles after spending $3,000 in your first three months.

    Winner: American Express Delta SkyMiles Reserve Business

  • Rewards

    With the Delta SkyMiles® Reserve Business American Express Card, you earn 3X miles per dollar spent on eligible purchases made directly with Delta and 1X miles on other purchases.

    The Delta SkyMiles® Gold Business American Express Card earns 2X miles per dollar on Delta purchases as well as on dining at restaurants and purchases related to U.S. shipping and advertising, and 1X miles on all other purchases.

    Winner: American Express Delta SkyMiles Reserve Business

  • Annual Fee

    The Delta SkyMiles® Reserve Business American Express Card has an annual fee of $550.

    The Delta SkyMiles® Gold Business American Express Card has a $99 annual fee, waived the first year.

    Winner: Delta SkyMiles® Gold Business American Express Card

  • Other Benefits

    Both cards offer free checked bags. However, the Delta SkyMiles® Reserve Business American Express Card takes it up a notch by providing other travel benefits, such as access to Delta Sky Clubs and Centurion Lounges, Status boost, priority boarding, companion pass and credit for either TSA PreCheck or Global Entry.

    Winner: American Express Delta SkyMiles Reserve Business

Which Card Should You Get?

Considering your needs and situation is crucial when choosing between the Delta SkyMiles® Reserve Business American Express Card vs. the Delta SkyMiles® Gold Business American Express Card. The better option will vary depending on each person.

Who Should Consider the Delta SkyMiles® Reserve Business American Express Card?

The Delta SkyMiles® Reserve Business American Express Card is best suited for business travelers looking to earn miles through purchases and enjoy elite travel benefits.

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    International business travelers can make purchases abroad without any foreign transaction fees.

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    Loyal Delta flyers who want access to airport lounges and a boost towards elite status can take advantage of the benefits that come with this card.

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Who Should Consider the Delta SkyMiles® Gold Business American Express Card?

Business owners who dine out often and make U.S. shipping and advertising purchases may find the Delta SkyMiles® Gold Business American Express Card valuable to keep in their wallets.

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    Business travelers looking for a simple rewards structure will enjoy the Delta SkyMiles® Gold Business American Express Card.

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    Delta flyers who want free checked bags and a travel credit can take advantage of this card's perks.

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EXPERT OPINION

If you travel with Delta regularly, the Reserve Business card is worth grabbing. However, if you only fly occasionally and your business isn’t equipped to handle a large annual fee, the Gold Business card can still provide value to you and your business.

Regardless of which card you select, remember that you’re earning Delta SkyMiles for your purchases, which can be used within the SkyTeam airline alliance which includes AirFrance, KLM, Aeromexico and more.

Other Helpful Decision-Making FAQs

To help you choose the best business credit card for you, MoneyGeek answered some frequently asked questions about the Delta SkyMiles Reserve Business Card vs. the Delta SkyMiles Gold Business Card.

Still Not Sure About These Cards? Consider These Options

If you’re still undecided about getting either the Delta SkyMiles® Reserve Business American Express Card or the Delta SkyMiles® Gold Business American Express Card, you can check out other cards in the travel or rewards categories to see if those options could be a better fit for you.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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