RewardZ Travel
All credit cards
Side-by-side

Delta SkyMiles Reserve Business American Express Card vs Wells Fargo Autograph Card

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Wells Fargo Autograph Card from Wells Fargo 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 ($1,000 more in estimated value) than the Wells Fargo Autograph Card's. Get the Delta SkyMiles Reserve Business American Express Card first; revisit the Wells Fargo Autograph Card after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardWells Fargo Autograph Card
Annual fee$650$0
Sign-up bonus100,000 miles20,000 points
Bonus value (est.)$1,200$200
Min spend to unlock bonus$8,000 in 6 mo$1,000 in 3 mo
IssuerAmerican ExpressWells Fargo
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersskymilesNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • 3x on 6 broad categories
  • No annual fee
  • No FX fees
  • Cell phone protection
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 100,000 miles
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points

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: Wells Fargo Autograph Card

The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Wells Fargo Autograph Card?
The Delta SkyMiles Reserve Business American Express Card has the bigger bonus — 100,000 miles, worth roughly $1,200, versus 20,000 points (~$200) on the Wells Fargo Autograph Card.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Wells Fargo Autograph 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 Wells Fargo Autograph Card at $0/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Wells Fargo Autograph Card?
Yes, since they're from different issuers (American Express and Wells Fargo) 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 Wells Fargo Autograph Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $8,000 spend in 6 months. Wells Fargo Autograph Card: $1,000 in 3 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.