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Delta SkyMiles® Reserve American Express Card vs The Business Platinum Card® from American Express
This comparison is designed to help you determine which card better suits your needs—whether you are a frequent traveler looking for airline perks or a business owner seeking flexible rewards and benefits.
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles® Reserve American Express Card is tailored for avid Delta Airlines travelers. It offers a variety of travel benefits, including access to Delta Sky Clubs and a robust rewards structure focused on Delta purchases.
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is designed for business owners who want to maximize their rewards on business-related expenses. The card features extensive travel benefits, lounge access, and a strong rewards program for various purchase categories.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Reserve American Express Card | The Business Platinum Card® from American Express |
|---|---|---|
| Annual Fee | $650 | $695 |
| Welcome Bonus | Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases in the first 6 months | Earn 150,000 Membership Rewards® points after spending $20,000 in the first 3 months, plus $500 statement credit after spending $2,500 on qualifying flights |
| Rewards Structure | Earn 3X Miles on Delta purchases and 1X Miles on all other eligible purchases | Earn 5X points on flights and prepaid hotels booked at AmexTravel.com, 1.5X points on eligible purchases in certain categories, and 1X points on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Delta Sky Club access, Companion Certificate, Resy and Rideshare credits, upgrade priority | Global Lounge Collection access, $200 Airline Fee Credit, up to $200 back on Hilton purchases, tech and wireless statement credits |
Rewards Highlights
Delta SkyMiles® Reserve American Express Card
- Earn 3X Miles on Delta purchases.
- Earn 1X Miles on all other eligible purchases.
The Business Platinum Card® from American Express
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals booked at AmexTravel.com.
- Earn 1.5X points on eligible purchases at specific U.S. businesses and on purchases of $5,000 or more (up to $2 million per calendar year).
- Earn 1X points on other eligible purchases.
Pros and Cons
Delta SkyMiles® Reserve American Express Card
- Pros:
- Strong rewards for Delta purchases.
- Access to Delta Sky Clubs and other travel perks.
- Companion certificate and upgrade priority.
- Cons:
- High annual fee.
- Limited to Delta Airlines benefits.
The Business Platinum Card® from American Express
- Pros:
- Flexible rewards structure with multiple earning categories.
- Extensive lounge access globally.
- Generous introductory offers.
- Cons:
- High annual fee.
- Complex benefits may be overwhelming for some users.
Who Should Consider Which Card?
- Delta SkyMiles® Reserve American Express Card: Best for frequent Delta travelers who want to maximize their airline rewards and enjoy airport amenities.
- The Business Platinum Card® from American Express: Ideal for business owners who spend significantly on travel and want to earn rewards across various categories while enjoying premium travel benefits.
Conclusion
Both the Delta SkyMiles® Reserve American Express Card and The Business Platinum Card® from American Express offer unique benefits tailored to different types of users. Consider your travel habits, business needs, and spending patterns to choose the card that aligns best with your financial goals.