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Side-by-side

Delta SkyMiles Reserve Amex vs British Airways Visa Signature

Both are travel travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/yr; the British Airways Visa Signature from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the British Airways Visa Signature, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureDelta SkyMiles Reserve AmexBritish Airways Visa Signature
Annual fee$650$95
Sign-up bonus100,000 miles75,000 Bonus Avios
Bonus value (est.)$1,100$1,050
Min spend to unlock bonus-$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categorytraveltravel
Best earning category (Travel)3x3x
Transfer partnersNoneNone
Headline benefits
  • SkyClub access
  • First/Comfort+ companion cert
  • 100k miles bonus
  • Centurion access
  • 75k Avios bonus
  • Travel Together ticket at $30k
  • No foreign tx fees
  • Great for short-haul AA
Read the full review
Delta SkyMiles Reserve Amex
$650/yr · 100,000 miles
Read the full review
British Airways Visa Signature
$95/yr · 75,000 Bonus Avios

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: British Airways Visa Signature

Avios shine on short-haul AA flights (7,500 miles each way under 1,150 miles). The Travel Together ticket is amazing but requires $30k spend per year, only worth it if you already hit that.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or British Airways Visa Signature?
The Delta SkyMiles Reserve Amex has the bigger bonus, 100,000 miles, worth roughly $1,100, versus 75,000 Bonus Avios (~$1,050) on the British Airways Visa Signature.
Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the British Airways Visa Signature?
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 British Airways Visa Signature at $95/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Amex and British Airways Visa Signature?
Yes, since they're from different issuers (American Express and Chase) 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 British Airways Visa Signature first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. British Airways Visa Signature: $5,000 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.