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Delta SkyMiles Reserve Business American Express Card vs Delta SkyMiles Gold American Express Card

Both are airline travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Delta SkyMiles Gold American Express Card from American Express at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

Both cards come from American Express and target airline spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Delta SkyMiles Reserve Business American Express Card costs $500 more per year, only worth it if you'll actually use the upgraded perks.

FeatureDelta SkyMiles Reserve Business American Express CardDelta SkyMiles Gold American Express Card
Annual fee$650$150
Sign-up bonus125,000 miles80,000 bonus miles
Bonus value (est.)$840$960
Min spend to unlock bonus$15,000 in 6 mo$3,000 in 6 mo
IssuerAmerican ExpressAmerican Express
Card categoryairlineairline
Best earning category (Delta)3x2x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • Free first checked bag
  • $200 Delta flight credit
  • Priority boarding
  • 2x on restaurants & groceries
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 125,000 miles
Read the full review
Delta SkyMiles Gold American Express Card
$150/yr · 80,000 bonus miles

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

Editorial take: Delta SkyMiles Gold American Express Card

A good choice for Delta loyalists. The free checked bag and $200 flight credit easily offset the $150 annual fee if you fly Delta a few times a year.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Delta SkyMiles Gold American Express Card?
The Delta SkyMiles Gold American Express Card has the bigger bonus, 80,000 bonus miles, worth roughly $960, versus 125,000 miles (~$840) on the Delta SkyMiles Reserve Business American Express Card.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Delta SkyMiles Gold American Express Card?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The Delta SkyMiles Gold American Express Card at $150/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Delta SkyMiles Gold American Express Card?
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 Delta SkyMiles Reserve Business American Express Card or the Delta SkyMiles Gold American Express Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $15,000 spend in 6 months. Delta SkyMiles Gold American Express Card: $3,000 in 6 months. 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.