Comparison

Delta SkyMiles® Gold American Express Card vs Delta SkyMiles Reserve Business: card comparison

Check out the comparison we've made to decide which is the best for you: Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve Business. Find out about their benefits, such as bonus miles, concierge, insurance, and more!

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by Aline Augusto

Published on 03/08/2022

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve Business: which is the best?

Check out this credit card comparison. Source: The Mister Finance.
Check out this credit card comparison. Source: The Mister Finance.

American Express features two credit cards for those who love traveling: the Delta SkyMiles® Gold Card and the Delta SkyMiles Reserve Business.

If you usually fly Delta, whether on vacation or for business, AMEX guarantees a fantastic experience full of privileges and rewards.

Now, take a look at the comparison between these two excellent travel credit cards so you can decide which is the best for you!

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How to get a Delta SkyMiles® Gold American Express

Get the best traveling experience with Delta SkyMiles® Gold American Express credit card! Check out how to apply!

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve

How do you get Delta SkyMiles Reserve Business?

Do you want to know how to enjoy the amazing benefits of the Delta SkyMiles Reserve Business card? Read our post to know how to apply!

Delta SkyMiles® Gold American Express CardDelta SkyMiles Reserve Business Card
Sign-up bonus75,000 Bonus Miles (after $2,000 in purchases within the first 3 months – limited offer)60,000 Bonus Miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit – after spending $4,000 within the first 3 months
Annual fee$0 intro annual fee for the first year, then $99$550
Rewards2X Miles on dining and on groceries;
2X Miles on Delta purchases;
1X Miles on all other eligible purchases
3X Miles on every dollar spent on eligible purchases made directly with Delta;
1.5X Miles on eligible purchases in the rest of the year, after spending $150,000 in the calendar year;
1X Mile on all other eligible purchases
Other perksFirst Checked Bag Free;$100 Delta Flight Credit;
20% Back on In-flight Purchases;
Priority Boarding;
Car Rental Loss and Damage Insurance;
Global Assist® Hotline;
Purchase Protection;
Extended Warranty;
American Express® Experiences;
Amex Send & Split™;
Fraud Protection;
Pay It Plan It®;
Miles for each additional card you add.
Status Boost® (accelerator);
Delta Sky Club®Access;
Complimentary Access to The Centurion® Lounge and Escape Lounge;
Delta Sky Club One-Time Guest Passes;
Companion Certificate;
Access to Complimentary Upgrades;
Main Cabin 1 Priority Boarding;
Free First Checked Bag;
Concierge;
Fee Credit for Global Entry or TSA Pre✓®;
Trip Delay Insurance;
Trip Cancellation and Interruption Insurance;
Baggage Insurance Plan;
Car Rental Loss and Damage Insurance;
Relationship Care® Service;
Employee Cards;
Vendor Pay by Bill.com;
Extended Warranty;
Purchase Protection;
Cell Phone Protection;
Dispute Resolution;
Amex Offers
APRFrom 15.74% to 24.74% (variable)From 15.74% to 24.74% (variable)

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Delta SkyMiles® Gold American Express Card

Learn more about this card. Source: The Mister Finance.
Learn more about this card. Source: The Mister Finance.

If you are looking for a great travel credit card, you have just found one. This Gold card features a lot of benefits for those who spend most part of their lives traveling across the world.

By holding this credit card, you will be able to elevate your status and get the privileges you deserve.

In summary, it offers rewards on every eligible purchase, a fantastic welcome bonus, and all American Express and Delta benefits we love.

Also, there are no foreign transaction fees whatsoever. And the annual fee is waived in the first year.

Last but not least, you get a protection and insurance package so that you can enjoy your trips with peace of mind.

Delta SkyMiles Reserve Business 

Learn more about this card. Source: The Mister Finance.
Learn more about this card. Source: The Mister Finance.

On the other hand, if you travel a lot for business, you should consider a Reserve Business. This credit card comes with a massive package of benefits, including Employee Cards, which lets you earn miles and control the spending.

In addition, you earn miles on every eligible purchase you make, and you can boost the rewards and your status with a Status Boost® program.

Besides the fantastic welcome bonus, this business card features exclusive access to lounges, priority boarding, concierge services, insurance, protection, premium assistance, no foreign transaction fees, and much more.

All those features come with a price, though. So, this business card from AMEX charges a $550 annual fee.

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Benefits of Delta SkyMiles® Gold American Express credit card

Besides the fact that you earn 1X Miles for all eligible purchases and double them with dining, groceries, and on Delta purchases, this card provides you with assistance, insurance, and protection whenever you need it.

Whether you are traveling or not, this AMEX guarantees special access to privileges and experiences, including boarding priority.

Benefits of Delta SkyMiles Reserve Business credit card

If you want exclusivity, convenience, privileges, and to be treated like royalty while traveling for business, this credit card is the right choice for you.

It offers all kinds of assistance, priority access, rewards, welcome bonus, insurance, protection, the possibility to elevate status, and even a Dispute Resolution service, where you get the help you need to resolve a fraudulent or incorrect charge on your statement.

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Disadvantages of Delta SkyMiles® Gold American Express Card 

Unfortunately, this card comes with a $99 annual fee after the first year, when this fee is waived. 

Also, it doesn’t accept all credit scores in the application. So, you must have at least a good credit to be considered.

Disadvantages of Delta SkyMiles Reserve Business 

A significant list of perks comes with a price. This card charges a $550 annual fee, and only a few will be able to hold it.

And like its similar one above, this Reserve Business also requires an excellent credit score.

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve Business: which you should choose?

Both credit cards are great options for those who spend a lot of time traveling abroad, especially using Delta services.

If you manage to pay a trifle annual fee of $550, the Delta SkyMiles Reserve Business is a spectacular card since it features all kinds of benefits.

Also, note that this card is mainly made for those who travel for business.

But, if you still want privileges and exclusivity while traveling, a Delta SkyMiles® Gold American Express credit card might do the job for you.

Besides the rewards, you will still have a great package of benefits so you can travel in peace, whether on vacation or not.

However, if you are looking for another option, see below!

How to get the Capital One Venture Rewards card?

Come and check how you can apply for the Capital One Venture Rewards card and benefit from its many perks and travel opportunities.

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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