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Side-by-side

Delta SkyMiles Reserve Amex vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 Petal 2 Cash Back, No Fees Visa's. Get the Delta SkyMiles Reserve Amex first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureDelta SkyMiles Reserve AmexPetal 2 Cash Back, No Fees Visa
Annual fee$650$0
Sign-up bonus100,000 milesNone
Bonus value (est.)$1,100$0
Min spend to unlock bonus-$0 in 0 mo
IssuerAmerican ExpressPetal
Card categorytravelcredit-builder
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
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or Petal 2 Cash Back, No Fees Visa?
    The Delta SkyMiles Reserve Amex has the bigger bonus, 100,000 miles, worth roughly $1,100, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa at $0/yr trades some perks for a lower commitment.
    Can I have both the Delta SkyMiles Reserve Amex and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (American Express and Petal) 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 Petal 2 Cash Back, No Fees Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. Petal 2 Cash Back, No Fees Visa: $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.