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

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

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

The American Express Delta SkyMiles Reserve Business 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.


  • American Express Delta SkyMiles Reserve Business Card

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


    • Good-ExcellentCredit Needed
    • $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.

American Express Delta SkyMiles Gold Business Card At a Glance

Business travelers loyal to Delta can quickly earn value from the American Express Delta SkyMiles Gold Business 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.


  • American Express Delta SkyMiles Gold Business Card

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


    • Good-ExcellentCredit Needed
    • $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 American Express Delta SkyMiles Reserve Business Card and the American Express Delta SkyMiles Gold Business 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 American Express Delta SkyMiles Reserve Business 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 American Express Delta SkyMiles Reserve Business Card lets you earn 110,000 bonus miles after spending $6,000 within three months of account opening.

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

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

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

    Winner: American Express Delta SkyMiles Gold Business Card

  • Other Benefits

    Both cards offer free checked bags. However, the American Express Delta SkyMiles Reserve Business 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 American Express Delta SkyMiles Reserve Business Card vs. the American Express Delta SkyMiles Gold Business Card. The better option will vary depending on each person.

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

The American Express Delta SkyMiles Reserve Business 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 American Express Delta SkyMiles Gold Business Card?

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

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