The Delta SkyMiles Reserve American Express Card is best for frequent Delta flyers who can take advantage of the Delta Sky Club access and other Delta-specific perks. The Chase Sapphire Preferred Card is a more versatile option for those who want flexible travel rewards and a lower annual fee.
Attribute | Delta SkyMiles Reserve American Express Card | Chase Sapphire Preferred Card |
---|---|---|
Annual Fee | $650 | $95 |
Welcome Bonus Offer | Earn 70,000 bonus miles after spending $5,000 in eligible purchases within the first 6 months of card membership. Some targeted offers may be as high as 100,000 bonus miles after spending $6,000 in the first 6 months. | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Offers may vary depending on where you apply. |
Earning Rate on Flights | 3x miles on eligible Delta purchases | 5x total points on travel purchased through Chase Travel |
Earning Rate on Dining | Not specified as a bonus category | 3x points on dining at restaurants, including takeout and eligible delivery services |
Earning Rate on Travel | 3x miles on Delta Vacations purchases | 5x total points on travel purchased through Chase Travel; 2x points on other travel purchases |
Earning Rate on Other Purchases | 1x mile on other eligible purchases | 1 point per $1 spent on all other purchases |
Delta Sky Club Access | 15 visits per Medallion Year when flying Delta. Unlimited Delta Sky Club access can be unlocked after spending $75,000 in purchases on the card during a calendar year. | Not explicitly mentioned as a card benefit |
Priority Pass Access | Access to Amex Centurion Lounges when you book a Delta flight with your Reserve Card. | Not explicitly mentioned as a card benefit |
TSA PreCheck/Global Entry Credit | Statement credit every 4 years for Global Entry (up to $120) or every 4.5 years for TSA PreCheck (up to $85) | Not explicitly mentioned as a card benefit |
Foreign Transaction Fees | None | None |
Travel Insurance Benefits | Includes trip delay insurance, baggage insurance, and car rental loss and damage insurance. Trip cancellation and interruption insurance can reimburse non-refundable expenses up to $10,000 per trip and up to $20,000 per card per 12 consecutive month period. | Includes travel accident insurance, roadside assistance, lost luggage reimbursement, trip cancellation/interruption insurance, trip delay reimbursement, and auto rental collision damage waiver |
Point Transfer Partners | Delta is a travel transfer partner with American Express. | Chase Ultimate Rewards points can be transferred to 14 airline and hotel partners |