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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 Gold

American Express

Delta SkyMiles Reserve Business

Annual fee
$650
Network
amex
Welcome value
$2,400
Min spend
$20,000 / 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 · $350
  • $250 Delta Stays Credit · $250
  • First Checked Bag Free · $140
  • Global Entry or TSA PreCheck Fee Credit · $120
  • $240 Resy Credit · $20
Full American Express Delta SkyMiles Reserve Business review

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotel reservations · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards
  • 2×Other eligible purchases · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
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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