Delta SkyMiles Reserve vs Delta SkyMiles Reserve Business card: Which is the best?
If you want to know which one is the best: Delta SkyMiles Reserve or Delta SkyMiles Reserve Business, keep reading and find out more about these two great travel cards!
by Victória Lourenço
Delta SkyMiles Reserve or Delta SkyMiles Reserve Business: card comparison
Delta SkyMiles Reserve or Delta SkyMiles Reserve Business? Both these cards have similar benefits and are from American Express. However, one of them can get you great status in your life. Also, if you like to travel a lot and have good spending power, both these cards can be a good option, especially if you like to travel with Delta.
Moreover, both these cards offer Medallion Qualification Miles (MQMs) and many other great rewards related to travel. So, if you love to travel and want to know which of these American Express credit cards can be the best for you, keep reading our post to find out!
|Delta SkyMiles Reserve card||Delta SkyMiles Reserve Business card|
|Sign-up bonus*||You’ll receive 50,000 bonus miles and 10,000 Medallion® Qualification Miles after spending $3,000 in purchases and collecting up to $100 in statement credits for selected dining purchases over the first three months (MQMs)|
|Earn 80,000 welcome bonus miles (limited offer)|
|Rewards*||This card offers 3X miles for qualifying purchases made with Delta|
As a cardholder, you also get 1X miles on other qualifying purchases
|You can earn three miles for every dollar spent when you make qualified purchases directly with Delta.|
You can earn 15,000 Medallion Qualification Miles (MQMs) after spending 30,000 dollars on your card in a year (up to four times per year)
After spending $150,000 in a calendar year, you can earn 1.5 miles for every dollar spent on qualified purchases for the rest of the year.
|Other perks*||You can get lost baggage coverage|
Global Entry/TSA PreCheck credit
No foreign transaction fees
|No foreign transaction fees|
Lost baggage coverage
Global Entry/TSA PreCheck credit
|APR||15.74% – 24.74% variable APR on purchases||15.74% to 24.74% variable APR|
Delta SkyMiles Reserve card
The Delta SkyMiles Reserve card is a credit card offered by American Express, and it has many great benefits for frequent flyers that like to fly with Delta. Even though it has a hefty annual fee, you can learn how to make the best out of this card’s perks and rewards to make up for it.
As a cardmember, you can earn three miles for every dollar spent on purchases made with Delta. Also, you can earn one mile per dollar on all other qualifying purchases. And these are just some of the many perks this card offers. If you need to make transactions for foreign countries, this card charges no foreign transaction fee.
However, to apply for this card, we recommend that you have a credit score that ranges from 690 to 850, that is, a good to excellent credit score. Also, you need to have a high spending power to enjoy all the perks this card offers.
Delta SkyMiles Reserve Business card
The Delta SkyMiles Reserve Business card has many benefits and perks related to travel, and they are very similar to the ones offered by Delta SkyMiles Reserve. This business version of Delta SkyMiles Reserve can allow you to separate better your personal and business expenses. And you can do all of that without losing any benefit of the personal version.
So, if you frequently travel for business purposes, this Amex business card can be a great option. In addition, as a cardholder, you can earn 3X miles for purchases made with Delta and many other great rewards. Also, to apply for this card and enjoy all of its perks, we recommend that you have an excellent credit score and high spending power.
Moreover, you get a lounge membership and companion benefits for travel. Also, this business option does not charge fees for foreign transactions, and you can get Medallion Qualification Miles (MQMs) just like in its personal version.
Benefits of Delta SkyMiles Reserve
- This card offers an amazing and generous welcome offer for new cardholders.
- You can get great and luxurious travel benefits with Delta.
- Lost baggage coverage.
- Global Entry/TSA PreCheck credit.
Benefits of Delta SkyMiles Reserve Business
- This card offers a high rewards rate of 3X miles when purchasing with Delta.
- You can get a lounge membership.
- This card offers a companion benefit for travel.
Disadvantages of Delta SkyMiles Reserve card
- This Delta credit card charges relatively high for an annual fee.
- It has better rewards for spending categories related to travel.
Disadvantages of Delta SkyMiles Reserve Business card
- This card charges a high annual fee.
- You will need an excellent credit score to get this card.
Delta SkyMiles Reserve or Delta SkyMiles Reserve Business card: which you should choose?
Both of these Amex cards have very similar benefits and rewards. So, to decide which credit card you are going to send your application, you need to evaluate your personal finances and see which version fits your profile.
For example, if you want to keep your personal and business finances separate, it might be best to get the business version. But, if you do not have a company and want to maintain your credit report by using your personal card, the personal version can be the best choice.
Also, if you want to get both cards, you can do that. However, you might not be eligible to get the welcome offer of the second card you get. So, to choose between these two cards might only be a matter of deciding if you need a personal card or a business one, or maybe even both.
But, maybe you are still unsure about which card to get, and you want to do some research about other cards. If this is the case and you want to know more about other cards with travel benefits, you can check out our post below about the American Express Platinum credit card. If you have a great score and want more premium travel perks, this card can be great for you!
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