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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Reserve Business American Express Marriott Bonvoy Brilliant

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

American Express

Delta SkyMiles Reserve Business

Annual fee
$650
Network
amex
Welcome value
—
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

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
~$1,125
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy · Marriott Bonvoy
  • 3×Restaurants worldwide · Marriott Bonvoy
  • 3×Flights booked directly with airlines · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Free Night Award · $638
  • American Express Venue Collection · $250
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $100 Marriott Bonvoy Property Credit · $100
  • Brilliant Dining Credit · $25
Full American Express Marriott Bonvoy Brilliant 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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