Delta SkyMiles® Reserve American Express Card vs IHG One Rewards Premier Credit Card

This comparison aims to assist potential cardholders in deciding between the Delta SkyMiles® Reserve American Express Card and the IHG One Rewards Premier Credit Card. Both cards offer unique benefits tailored to different travel needs and preferences.

Card Overviews

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card is designed for frequent Delta Airlines travelers who want to maximize their travel experience with premium perks and rewards. This card offers extensive benefits like Delta Sky Club access, bonus miles, and travel credits.

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card targets hotel enthusiasts who prefer staying at IHG properties. It provides substantial rewards on hotel stays, a generous welcome bonus, and elite status, making it a great choice for loyal IHG customers.

Detailed Feature Comparison

Rewards Highlights

Delta SkyMiles® Reserve American Express Card

• Earn 3X Miles on Delta purchases.
• Earn 1X Miles on all other eligible purchases.

IHG One Rewards Premier Credit Card

• Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
• Earn 3 points per $1 spent on all other purchases.

Pros and Cons

Delta SkyMiles® Reserve American Express Card

• Pros:
  • Comprehensive travel benefits for Delta flyers.
  • Access to premium lounges.
  • Attractive rewards on Delta purchases.
• Cons:
  • High annual fee.
  • Best benefits primarily for frequent Delta travelers.

IHG One Rewards Premier Credit Card

• Pros:
  • Lower annual fee compared to Delta card.
  • Generous bonus points for hotel stays.
  • Automatic elite status with significant perks.
• Cons:
  • Rewards primarily beneficial for IHG hotel stays.
  • Limited benefits for non-IHG travel expenses.

Who Should Consider Which Card?

Frequent travelers who primarily fly with Delta Airlines and value lounge access and premium travel perks should consider the Delta SkyMiles® Reserve American Express Card. On the other hand, those who often stay at IHG hotels and look for a more affordable annual fee with substantial hotel rewards may find the IHG One Rewards Premier Credit Card more advantageous.

Conclusion

Both credit cards offer unique benefits tailored to different travel preferences. Depending on your spending habits and travel goals, evaluating the advantages and disadvantages of each card will help you make an informed decision. Consider your individual needs before applying for either card.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”