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Side-by-side

Delta SkyMiles Reserve Amex vs Navy Federal More Rewards American Express Card

Both are well-respected travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/yr; the Navy Federal More Rewards American Express Card from Navy Federal Credit Union 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 ($900 more in estimated value) than the Navy Federal More Rewards American Express Card's. Get the Delta SkyMiles Reserve Amex first; revisit the Navy Federal More Rewards American Express Card after you've earned that bonus.

FeatureDelta SkyMiles Reserve AmexNavy Federal More Rewards American Express Card
Annual fee$650$0
Sign-up bonus100,000 miles20,000 points ($200 value)
Bonus value (est.)$1,100$200
Min spend to unlock bonus-$2,000 in 3 mo
IssuerAmerican ExpressNavy Federal Credit Union
Card categorytravelcashback
Best earning category (Travel)3x1x
Transfer partnersNoneNone
Headline benefits
  • SkyClub access
  • First/Comfort+ companion cert
  • 100k miles bonus
  • Centurion access
    Read the full review
    Delta SkyMiles Reserve Amex
    $650/yr · 100,000 miles
    Read the full review
    Navy Federal More Rewards American Express Card
    $0/yr · 20,000 points ($200 value)

    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: Navy Federal More Rewards American Express Card

    Common questions

    Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or Navy Federal More Rewards American Express Card?
    The Delta SkyMiles Reserve Amex has the bigger bonus, 100,000 miles, worth roughly $1,100, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
    Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
    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 Navy Federal More Rewards American Express Card at $0/yr trades some perks for a lower commitment.
    Can I have both the Delta SkyMiles Reserve Amex and Navy Federal More Rewards American Express Card?
    Yes, since they're from different issuers (American Express and Navy Federal Credit Union) 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 Navy Federal More Rewards American Express Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. Navy Federal More Rewards American Express Card: $2,000 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.