Comparison (US)

Delta SkyMiles Reserve® vs Chase Sapphire Reserve® card: Which is the best?

Delta SkyMiles Reserve® or Chase Sapphire Reserve®? One of them has great transfer partner benefits, and the other is for those who love to fly with Delta. Read more to find out which one is best!

Delta SkyMiles Reserve® or Chase Sapphire Reserve®: card comparison

Find out which one is best: Delta SkyMiles Reserve or Chase Sapphire Reserve! Source: American Express.

You might be wondering which credit card you should get: Delta SkyMiles Reserve® or Chase Sapphire Reserve®? Both cards are excellent credit cards with some similarities and a few key differences. But which one is best? The best card for you is going to depend on your personal needs and preferences.

Moreover, the world of credit cards can be confusing for some because there are so many different choices out there. And it is no different with choosing between this Delta card and this Chase card. It might seem like they have almost the same features.

However, one of them has more benefits related to transfer partners, and the other is only worth it if you love to travel with Delta. So, in this post, we will compare the two credit cards. And after reading, you can choose the best one for you. So, read on!

Chase Sapphire Reserve® Credit Card

How to apply for the Chase Sapphire Reserve® Card?

Do you want incredible travel and dining perks in one credit card? Then, read more to know how to apply for the Chase Sapphire Reserve® Credit Card!

The Delta SkyMiles® Reserve American Express Card

How do you get the The Delta SkyMiles Reserve?

Do you love amazing travel experiences and card rewards? Read more to know how to get the The Delta SkyMiles® Reserve American Express Card!

Comparison table

Delta SkyMiles Reserve®Chase Sapphire Reserve®
Sign-up bonus*After spending $5,000 in purchases over the first 6 months, you’ll get 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs)

*Terms apply
80,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

*Terms apply
Annual fee$550
Rates & Fees
$550.
Rewards*3X miles for spendings directly with Delta
1X miles on other spendings

*Terms apply
5x total points on flights purchased through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually;
10x total points on hotels and car rentals purchased through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually;
3x points on other travel worldwide after the first $300 is spent on travel purchases annually;
10x total points on Chase Dining purchases with Ultimate Rewards®;
3x points on other dining at restaurants, including eligible delivery services, takeout and dining out;
1 point per dollar spent on all other purchases.

*Terms apply
Other perks*You can earn 15,000 Medallion Qualification Miles (MQMs) after spending $30,000 with your card in a calendar year (up to 4 times.)

Get complimentary access to Delta Sky Club® and the Centurion Lounge.

*Terms apply.
Each account anniversary year, you will receive up to $300 in statement credits for travel purchases made with the card.

Access to My Chase Plan, where you can break up purchases of $100 or more made with your card into fixed monthly payments. A fixed monthly fee will be charged.

*Terms apply.
APR*Purchases APR: 19.99% to 28.99% variable.
Cash Advance APR: 29.49% variable.

Rates & Fees
21.74% – 28.74% variable APR

The Delta SkyMiles® Reserve American Express Card

Learn all about the features of the The Delta SkyMiles® Reserve American Express Card. Source: The Mister Finance.
Learn all about the features of the The Delta SkyMiles® Reserve American Express Card. Source: The Mister Finance.

The Delta SkyMiles® Reserve American Express Card offers a great welcome bonus, and you can get other perks, such as complimentary access to Delta Sky Club. Also, if you love to fly with Delta, you will find this card a good fit for you. Moreover, you can earn 15,000 MQMs after spending $30,000 with your card in a calendar year (valid for up to four times.)

In addition, the current welcome bonus offer is 50,000 miles and 10,000 MQMs, which you can earn after spending $5,000 in purchases with your card within the first six months of account opening. Besides the rewards, this card offers a Delta Medallion elite status when cardholders reach certain spending requirements.

So, this Delta credit card is for those who love to frequently fly with Delta. But besides loving to travel with Delta, cardholders must have relatively high spending power. That is, the bonuses and rewards might have a high spending requirement, and the annual fee is $550. Also, you will need a high credit score to qualify for this card, such as an excellent score.

Chase Sapphire Reserve® Card

What does the Chase Sapphire Reserve® Card has to offer? Source: The Mister Finance.
What does the Chase Sapphire Reserve® Card has to offer? Source: The Mister Finance.

You can make great use of this card if you love to travel. It might have a hefty annual fee of $550, but if you have this kind of spending power, you will be able to enjoy this card’s benefits.

Moreover, if you make purchases related to travel using your Chase Sapphire Reserve® card, you can earn 5x total points on flights and 10x points on hotels and car rentals.

Also, as a new cardholder, you can earn 80,000 bonus points after spending $4,000 in the first three months of using the card. This welcome bonus might have a relatively high spending requirement, but if you already spend close to this amount, it will be worth it.

However, this needs to be your first Sapphire card as the bonus is not available for those who received a Chase Sapphire welcome bonus in the past 48 months.

In addition, each account anniversary year, you will receive up to $300 in statement credits in the form of a reimbursement for travel spendings made on your card. So, you might be wondering if this card requires a high credit score to get approved. Well, it does. So, to have a chance to qualify for this card, you need an excellent score.

Benefits of Delta SkyMiles Reserve®

  • With this card, you can get special lounge access, such as complimentary access to Delta Sky Club lounges.
  • This card can also get you free access to American Express Centurion lounges. Terms apply.
  • You can get a companion certificate of Domestic First Class, Delta Comfort+®, or Main Cabin round-trip each year when you renew your credit card.
  • There are no foreign transaction fees.
  • You can earn up to 3x miles on purchases directly related to Delta.

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Benefits of Chase Sapphire Reserve®

  • As a cardholder, you will receive a $300 annual travel credit.
  • As a new cardholder, earn 80,000 welcome bonus points after spending $4,000 in the first three months of account opening.
  • This card has a relatively high rewards rate.
  • You can get rental car coverage.
  • Get access to good travel protections.

Disadvantages of Delta SkyMiles Reserve® card

  • This credit card charges a high annual fee of $550.
  • You will need a good to an excellent credit score to qualify.

Disadvantages of Chase Sapphire Reserve® card

  • This card charges a relatively high annual fee of $550.
  • You will need an excellent credit score to qualify for the card.

Delta SkyMiles Reserve® or Chase Sapphire Reserve® card: which you should choose?

Before you decide which credit card you should get, try to analyze the main features of each one and see if they fit your lifestyle and finances. Also, the Delta SkyMiles Reserve® card is for those who have relatively high spending power and love to travel with Delta. You will get access to special lounges with complimentary perks. Also, you can get an authorized user on your card account for an extra fee.

In comparison, the Chase Sapphire Reserve® credit card offers a high rewards rate and a $300 annual travel credit. Also, it has premium travel perks and has many travel partners. So, if you prefer to travel through other airlines and not so much with Delta, this Chase card can be a great option.

So, both cards charge a high annual fee, and you will need to have a high spending power to make up for it. Also, both cards have similar rewards. However, if you do not like to travel with Delta, then maybe Chase Sapphire Reserve® is the best option for you.

Moreover, if you have a high credit score and want to look for other travel credit card options, we can help you. The Citi Premier® Card can be great for everyday purchases and travel rewards. So, if you want to know more about his card, check out our post below with a full review!

Citi Premier® Card

Citi Premier® Card full review

The Citi Premier® Card is ideal for those who love bonuses for daily spendings and travel benefits. Learn more about this great card!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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