Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Delta SkyMiles Reserve Amex
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Delta SkyMiles Reserve Amex from American Express at $650/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($700 more in estimated value) than the Delta SkyMiles Reserve Amex's. Get the American Express Business Gold first; revisit the Delta SkyMiles Reserve Amex after you've earned that bonus.
| Feature | American Express Business Gold | Delta SkyMiles Reserve Amex |
|---|---|---|
| Annual fee | $375 | $650 |
| Sign-up bonus | 100,000 Membership Rewards points | 100,000 miles |
| Bonus value (est.) | $1,800 | $1,100 |
| Min spend to unlock bonus | $15,000 in 3 mo | - |
| Issuer | American Express | American Express |
| Card category | business | travel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Delta SkyMiles Reserve Amex
$650/yr · 100,000 miles
Editorial take: Delta SkyMiles Reserve Amex
Only worthwhile if you actually use Delta SkyClubs, the access alone is worth the fee for frequent Delta flyers. The upgraded companion cert (can be used on First/Comfort+) is a big perk over the standard Platinum version.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Delta SkyMiles Reserve Amex?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus 100,000 miles (~$1,100) on the Delta SkyMiles Reserve Amex.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Delta SkyMiles Reserve Amex?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Delta SkyMiles Reserve Amex's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Delta SkyMiles Reserve Amex?
- Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Delta SkyMiles Reserve Amex first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Delta SkyMiles Reserve Amex: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.