Is the Delta SkyMiles® Reserve Business American Express Card better than the Delta SkyMiles® Gold Business American Express Card?

Both cards are equally rewarding in their own way. But if you want luxury travel benefits like airport lounge access and companion passes, then the Delta SkyMiles® Reserve Business American Express Card is the better option.

Can you get the Delta SkyMiles® Reserve Business American Express Card if you have the Delta SkyMiles® Gold Business American Express Card?

Yes, you can get the Delta SkyMiles Reserve Business Card even if you have the Delta SkyMiles Gold Business Card. However, you can only receive the welcome bonus once.

Can you transfer points from Delta SkyMiles® Reserve Business American Express Card to Delta SkyMiles® Gold Business American Express Card?

All of the points earned from either card will be deposited into the same Delta SkyMiles account.

Can you switch from the Delta SkyMiles® Reserve Business American Express Card to the Delta SkyMiles® Gold Business American Express Card?

Yes, you can switch from one American Express Delta SkyMiles Business card to the other if you think the other card would better suit your needs.

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

Q: What’s harder to get, the Delta SkyMiles® Reserve Business American Express Card or the Delta SkyMiles® Gold Business American Express Card?

You have high chances of being approved if you have a good to excellent credit score. You can get approval in as little as 30 seconds when you apply for either card.

Q: How much do you have to spend for the Delta SkyMiles® Reserve Business American Express Card vs. Delta SkyMiles® Gold Business American Express Card to get the welcome bonus?

The Delta SkyMiles® Reserve Business American Express Card requires $4,000 within the first three months to earn 60,000 Delta SkyMiles and 10,000 Medallion® Qualification Miles (MQMs). Meanwhile, you must spend $2,000 in your first three months to get the welcome bonus of 50,000 bonus miles offered by the Delta SkyMiles® Gold Business American Express Card.

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.

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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).

OUR COMPARISON AT A GLANCE

Comparison Overview
Delta SkyMiles® Reserve Business American Express Card at a Glance
Delta SkyMiles® Gold Business American Express Card at a Glance
Comparison Summary
Which Card Should You Get?

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
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent
Good–Excellent

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
Pros
No foreign transaction fees
Complimentary access to Delta Sky Clubs and Centurion Lounges (or Escape lounges)
Companion pass for a Domestic first class, Delta Comfort+ or a Main Cabin round-trip flight for your travel partner
Sky Club guest passes
Travel Insurance
Welcome offer of 100,000 bonus miles if you spend $6,000 on purchases in the first three months. The offer expires on 3/29/23.
Status boost feature
Three miles per dollar spent on purchases with Delta
One mile per dollar spent on other purchases
1.5 miles per dollar on eligible purchases after you spend $150,000 in a calendar year
TSA PreCheck or Global Entry credit

Cons
High annual fee
High APR
Good/Excellent credit requirement
Pay a $0 fee on international transactions
Get complimentary access to luxury Delta Sky Club lounges and Centurion lounges (or Escape lounges) when flying Delta
Get a companion pass which can be redeemed for a free round-trip air ticket. Terms apply.
Get two Sky Club guest passes valid up to a year after the date of issue
Earn 100,000 bonus miles if you spend $6,000 on purchases in the first three months. The offer expires on 3/29/23.
Get travel insurance for trip cancellation, trip delay, baggage, cell phone protection and car rental loss and damage
Earn an $85 credit for the TSA PreCheck application or a $100 credit for the Global Entry application
Earn 15,000 MQMs with the Status boost feature on making $30,000 worth of purchases. Do this up to four times a year.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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
Pros
No foreign transaction fee
Delta flight credit of $100 for $10,000 spending on purchases in a year
First checked bag free
Priority boarding
Up to 20% savings through statement credit on in-flight purchases

Cons
High APR for purchases and cash advances
High penalty APR
No luxury benefits
75,000 bonus miles after spending $3,000 in purchases in the first three months. The offer expires on 3/29/23.
Earn 2X miles on purchases from Delta, at restaurants, on advertising in select media and shipping costs in the U.S.
Earn 1X on all other eligible purchases
Baggage insurance plan
Car rental loss and damage insurance
Global Assist Hotline
Extended one-year warranty on eligible purchases
Purchase protection
Dispute resolution
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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.

International business travelers can make purchases abroad without any foreign transaction fees.
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.
≫ More: Read Our Full Review

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.

Business travelers looking for a simple rewards structure will enjoy the Delta SkyMiles® Gold Business American Express Card.
Delta flyers who want free checked bags and a travel credit can take advantage of this card's perks.
≫ More: Read Our Full Review

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.

View All Credit Cards

Learn more about credit cards in general

sources

American Express. "Delta SkyMiles® Reserve Business American Express Card." Accessed January 7, 2022.
American Express. "Delta SkyMiles® Gold Business American Express Card." Accessed January 7, 2022.

*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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