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Side-by-side

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

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 Journey from Wells Fargo at $95/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 Wells Fargo Autograph Journey's. Get the Delta SkyMiles Reserve Business American Express Card first; revisit the Wells Fargo Autograph Journey after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardWells Fargo Autograph Journey
Annual fee$650$95
Sign-up bonus70,000 miles60,000 bonus points
Bonus value (est.)$840-
Min spend to unlock bonus$6,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressWells Fargo
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
  • 5x on flights
  • 4x hotels
  • 6 transfer partners (2024)
  • $50 airline credit
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 70,000 miles
Read the full review
Wells Fargo Autograph Journey
$95/yr · 60,000 bonus 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 Journey

5x on flights is class-leading at this price point. Wells Fargo added 6 transfer partners in 2024 (Flying Blue, Avianca, BA Avios, Iberia, Aer Lingus, Choice), making this card meaningfully better than before. Worth considering over Sapphire Preferred for frequent flyers.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Wells Fargo Autograph Journey?
The Delta SkyMiles Reserve Business American Express Card has a public bonus (70,000 miles, worth roughly $840), while the Wells Fargo Autograph Journey doesn't advertise one right now.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Wells Fargo Autograph Journey?
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 Journey at $95/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Wells Fargo Autograph Journey?
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 Journey 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. Wells Fargo Autograph Journey: $4,000 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.