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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Reserve Business American Express Gold

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

Lower annual fee: American Express GoldBigger welcome offer: American Express Delta SkyMiles Reserve Business

American Express

Delta SkyMiles Reserve Business

Annual fee
$650
Network
amex
Welcome value
$960
Min spend
$12,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 1.5×Transit · Delta SkyMiles
  • 1.5×Shipping · Delta SkyMiles
  • 1.5×Office supplies · Delta SkyMiles

Key benefits

  • Companion Certificate · $300
  • $250 Delta Stays Credit · $250
  • First Checked Bag Free · $140
  • Second Checked Bag Free · $140
  • $240 Resy Credit · $20
Full American Express Delta SkyMiles Reserve Business review

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
$120
Min spend
$1,500 / 3mo

Top earning rates

  • 4×Dining · Amex Membership Rewards
  • 4×Groceries · Amex Membership Rewards
  • 3×Flights · Amex Membership Rewards
  • 2×Travel · Amex Membership Rewards

Key benefits

  • $100 Resy Credit · $50
  • $120 Uber Cash · $10
  • $120 Dining Credit · $10
  • $84 Dunkin' Credit · $7
  • The Hotel Collection $100 Credit · $0
Full American Express Gold 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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