Delta SkyMiles Gold Business vs Delta SkyMiles Reserve Business

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Delta SkyMiles Gold Business

American Express

Delta SkyMiles Reserve Business

American Express

Economics

Annual fee

$150

$500/yr less

$650

Ongoing annual value

$198

$700

$502/yr more

Net value (value − fee)

$48

$50

$2/yr more

First-year value estimate

$993

$1,385

$392/yr more

Authorized user fee

—

$175

Sign-up Bonus

Current offer

Limited Time Offer: 90K bonus miles after spending $6K in purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees)(Offer Expires 11/4/2026), $0 introductory annual fee for the first year, then $150

Limited Time Offer: 200K bonus miles after spending $20K in purchases on your new card in your first 6 months of card membership. Terms Apply (Rates & Fees)(Offer Expires 11/4/2026)

Earning

Dining

2X2.2%

—

US advertising in select media

2X2.2%

—

US shipping

2X2.2%

—

All other purchases (after $150K annual spend)

—

1.5X1.7%

Office supply stores (combined $100K/yr cap with Transit and US shipping)

—

1.5X1.7%

Transit (combined $100K/yr cap with Office supply stores and US shipping)

—

1.5X1.7%

US shipping (combined $100K/yr cap with Office supply stores and Transit)

—

1.5X1.7%

Delta purchases

2X2.2%

3X3.3%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

Delta Flight: $200 (Annual Calendar Year)
Delta Stays: $150 (Annual Cardmember Year)
Uber One: $60 (One Time)

Rideshare: $10 (Monthly)
Resy: $20 (Monthly)
Delta Stays: $250 (Annual Calendar Year)
Uber One: $120 (Annual Cardmember Year)
Global Entry/TSA PreCheck: $120 (Every 4 Years)

Lounge access

—

American Express Centurion Lounge (15/yr)
Delta Sky Club (15/yr)

Elite status

—

Delta SkyMiles
Hertz Gold Plus Rewards President's Circle

Protections

The same on both cards (6)

Foreign transaction fee

None

Issuer

American Express

Rewards currency

Delta SkyMiles

Card type

Business

Network

American Express

All other purchases

1X1.1%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

No ads, no paid placement · Your wallet, your math