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Side-by-side

Delta SkyMiles Reserve Business American Express Card vs Mastercard Titanium Card

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Mastercard Titanium Card from Barclays (Luxury Card) at $299/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Delta SkyMiles Reserve Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Mastercard Titanium Card's. Get the Delta SkyMiles Reserve Business American Express Card first; revisit the Mastercard Titanium Card after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardMastercard Titanium Card
Annual fee$650$299
Sign-up bonus70,000 milesNo public welcome bonus
Bonus value (est.)$840$0
Min spend to unlock bonus$6,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBarclays (Luxury Card)
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 70,000 miles
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus

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: Mastercard Titanium Card

The entry tier of the Barclays Luxury Card lineup. The $299 AF buys Priority Pass Select and a real metal card, but earning is weak (1x base, 2x on Luxury Card Travel bookings) and the cash-back redemption rate is only 1 cent per point. Better only as a status-and-lounge play for people who do not want to carry a Sapphire Reserve or Venture X.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Mastercard Titanium Card?
The Delta SkyMiles Reserve Business American Express Card has the bigger bonus, 70,000 miles, worth roughly $840, versus No public welcome bonus (~$0) on the Mastercard Titanium Card.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Mastercard Titanium 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 Mastercard Titanium Card at $299/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Mastercard Titanium Card?
Yes, since they're from different issuers (American Express and Barclays (Luxury Card)) the application rules don't conflict. 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 Mastercard Titanium Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $6,000 spend in 6 months. Mastercard Titanium Card: $0 in 0 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.