Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Delta SkyMiles Reserve Business American Express Card vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Petal 2 Cash Back, No Fees Visa from Petal at $0/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 Petal 2 Cash Back, No Fees Visa's. Get the Delta SkyMiles Reserve Business American Express Card first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardPetal 2 Cash Back, No Fees Visa
Annual fee$650$0
Sign-up bonus70,000 milesNone
Bonus value (est.)$840$0
Min spend to unlock bonus$6,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressPetal
Card categoryairlinecredit-builder
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
    Read the full review
    Delta SkyMiles Reserve Business American Express Card
    $650/yr · 70,000 miles
    Read the full review
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Petal 2 Cash Back, No Fees Visa?
    The Delta SkyMiles Reserve Business American Express Card has the bigger bonus, 70,000 miles, worth roughly $840, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa at $0/yr trades some perks for a lower commitment.
    Can I have both the Delta SkyMiles Reserve Business American Express Card and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (American Express and Petal) 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 Petal 2 Cash Back, No Fees Visa 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. Petal 2 Cash Back, No Fees Visa: $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.