Delta SkyMiles® Reserve Business American Express Card
vs. Delta SkyMiles® Gold Business American Express Card

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ByDoug Milnes, CFA
Reviewed byBrett Holzhauer
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ByDoug Milnes, CFA
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Reviewed byBrett Holzhauer
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Updated: May 1, 2024

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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).

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 generous rewards for business travelers who fly Delta frequently.


    • 1–3 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $650Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • High earnings on Delta purchases
    • Generous welcome bonus
    • Free Delta Sky Club access
    • Bonus miles after meeting the spending threshold

    Cons

    • Comes with a hefty annual fee
    • Potentially high APR
    • Good to excellent credit needed
    • Benefits are limited to Delta
    • Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

    • Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve Business American Express Card design.

    • Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

    • Earn 3 miles per dollar on eligible Delta purchases.

    • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.

    • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.

    • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.

    • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.

    • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.

    • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.

    • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.

    • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.

    • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.

    • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

    • Pay no foreign transaction fees when you travel overseas.

    • Terms and limitations apply.

    • See rates and fees

    Delta SkyMiles® Reserve Business American Express Card

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

    Great rewards for Delta loyalists


    • 1–2 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $0 introductory annual fee for the first year, then $150Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • With welcome bonus offer
    • Get discounts and perks from Delta
    • No foreign transaction fees
    • No annual fee for first year

    Cons

    • Rewards have caps and categories
    • With annual fee after first year
    • Rewards can be complicated
    • Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
    • $0 introductory annual fee for the first year, then $150
    • Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
    • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
    • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
    • Earn 1 Mile on every eligible dollar spent on other purchases.
    • Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
    • Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
    • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
    • Pay no foreign transaction fees when you travel overseas.
    • Terms and limitations apply.
    • See rates and fees
    Delta SkyMiles® Gold Business American Express Card

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.

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.

Is the Delta SkyMiles® Reserve Business American Express Card better than the Delta SkyMiles® Gold Business American Express Card?
Can you get the Delta SkyMiles® Reserve Business American Express Card if you have the Delta SkyMiles® Gold Business American Express Card?
Can you transfer points from Delta SkyMiles® Reserve Business American Express Card to Delta SkyMiles® Gold Business American Express Card?
Can you switch from the Delta SkyMiles® Reserve Business American Express Card to the Delta SkyMiles® Gold Business American Express Card?
What’s harder to get, the Delta SkyMiles® Reserve Business American Express Card or the Delta SkyMiles® Gold Business American Express Card?
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?

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.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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