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 Amex vs Capital One Venture Business

Both are well-respected travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/yr; the Capital One Venture Business from Capital One 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 Capital One Venture Business is the stronger pick today, the sign-up bonus is meaningfully larger ($1,675 more in estimated value) than the Delta SkyMiles Reserve Amex's. Get the Capital One Venture Business first; revisit the Delta SkyMiles Reserve Amex after you've earned that bonus.

FeatureDelta SkyMiles Reserve AmexCapital One Venture Business
Annual fee$650$95
Sign-up bonus100,000 milesUp to 150,000 miles
Bonus value (est.)$1,100$2,775
Min spend to unlock bonus-$30,000 in 6 mo
IssuerAmerican ExpressCapital One
Card categorytravelbusiness
Best earning category (Travel)3x1x
Transfer partnersNonecapital-one
Headline benefits
  • SkyClub access
  • First/Comfort+ companion cert
  • 100k miles bonus
  • Centurion access
  • Up to 150K bonus miles (tiered)
  • 2x on everything
  • Transfers to 15+ partners
  • Global Entry credit
Read the full review
Delta SkyMiles Reserve Amex
$650/yr · 100,000 miles
Read the full review
Capital One Venture Business
$95/yr · Up to 150,000 miles

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: Capital One Venture Business

Capital One rebranded Spark Miles for Business as Venture Business in April 2026 with a tiered up-to-150k welcome bonus. Strong catch-all 2x earner with transferable points; the Capital One transfer chart (Aeroplan, Flying Blue, Turkish, Virgin Atlantic) makes 2x meaningful.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or Capital One Venture Business?
The Capital One Venture Business has the bigger bonus, Up to 150,000 miles, worth roughly $2,775, 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 Capital One Venture Business?
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 Capital One Venture Business at $95/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Amex and Capital One Venture Business?
Yes, since they're from different issuers (American Express and Capital One) 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 Capital One Venture Business first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. Capital One Venture Business: $30,000 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.

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.