Delta SkyMiles Reserve Amex vs American Express Graphite Business Cash Unlimited

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or American Express Graphite Business Cash Unlimited?

The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus 100,000 miles (~$1,100) on the Delta SkyMiles Reserve Amex.

Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the American Express Graphite Business Cash Unlimited?

Premium cards like the Delta SkyMiles Reserve Amex ($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 American Express Graphite Business Cash Unlimited at $295/yr trades some perks for a lower commitment.

Can I have both the Delta SkyMiles Reserve Amex and American Express Graphite Business Cash Unlimited?

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 Amex or the American Express Graphite Business Cash Unlimited first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. American Express Graphite Business Cash Unlimited: $50,000 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.