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Side-by-side

Delta SkyMiles Reserve Amex vs Bilt Mastercard (legacy, Wells Fargo)

Both are travel travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/yr; the Bilt Mastercard (legacy, Wells Fargo) from Bilt / 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 Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($1,100 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Delta SkyMiles Reserve Amex first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureDelta SkyMiles Reserve AmexBilt Mastercard (legacy, Wells Fargo)
Annual fee$650$0
Sign-up bonus100,000 milesClosed to new applicants
Bonus value (est.)$1,100$0
Min spend to unlock bonus-$0 in 0 mo
IssuerAmerican ExpressBilt / Wells Fargo
Card categorytraveltravel
Best earning category (Travel)3x2x
Transfer partnersNonebilt
Headline benefits
  • SkyClub access
  • First/Comfort+ companion cert
  • 100k miles bonus
  • Centurion access
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
Read the full review
Delta SkyMiles Reserve Amex
$650/yr · 100,000 miles
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants

Editorial take: Delta SkyMiles Reserve Amex

Only worthwhile if you actually use Delta SkyClubs, the access alone is worth the fee for frequent Delta flyers. The upgraded companion cert (can be used on First/Comfort+) is a big perk over the standard Platinum version.

Editorial take: Bilt Mastercard (legacy, Wells Fargo)

Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or Bilt Mastercard (legacy, Wells Fargo)?
The Delta SkyMiles Reserve Amex has the bigger bonus, 100,000 miles, worth roughly $1,100, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
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 Bilt Mastercard (legacy, Wells Fargo) at $0/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Amex and Bilt Mastercard (legacy, Wells Fargo)?
Yes, since they're from different issuers (American Express and Bilt / 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 Amex or the Bilt Mastercard (legacy, Wells Fargo) first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. Bilt Mastercard (legacy, Wells Fargo): $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.