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All comparisons
Head-to-head, 2026

American Express Delta Reserve American Express Graphite Business Cash Unlimited Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Graphite Business Cash Unlimited Card

American Express

Delta Reserve

Annual fee
$650
Network
amex
Welcome value
$1,140
Min spend
$6,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 1×all other purchases · Delta SkyMiles

Key benefits

  • Companion Certificate · $500
  • Delta Sky Club & Centurion Lounge Access · $325
  • Delta Sky Club Access · $300
  • Unlimited Delta Sky Club Access (Spend Tier) · $300
  • $2,500 MQD Headstart · $250
Full American Express Delta Reserve review

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 2×all other purchases

Key benefits

  • $200 Annual Amex Travel Credit · $200
  • Car Rental Loss and Damage Insurance · $50
  • No Foreign Transaction Fees · $50
  • $15 Monthly Gas Credit · $15
  • $10 Monthly Wireless Credit · $10
Full American Express Graphite Business Cash Unlimited Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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