Compare the Features and Benefits of Delta SkyMiles® Reserve Business American Express Credit Card and
Bank of America® Travel Rewards credit card

Business owners who want to separate their personal and business expenses and maximize thousands of dollars in spend have no shortage of business cards to choose from. For frequent Delta flyers, the Delta Reserve Business American Express Card is among the most rewarding options out there once you can overlook the steep $650 annual fee.

Racking up Delta SkyMiles for award flights can be done effortlessly with the Delta SkyMiles Reserve Business American Express Card. You’ll earn 3x bonus miles on eligible Delta purchases.

But the kicker is that you’ll start to earn a higher mileage accelerator once you spend $150,000 on the card annually — that’s when you’ll start to earn 1.5x miles on all eligible purchases. You’ll also earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases. (If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.) Earn 1x miles per dollar spent on all other eligible non-bonus purchases.

Delta SkyMiles Reserve Business cardholders can save 15% when redeeming SkyMiles for all award flights operated by Delta, which can add up significantly the more you book Delta award flights.

And there are a number of Delta-related benefits that extend to you and up to eight companions on the same reservation such as your first checked bag free and Zone 5 priority boarding.

While you won’t get any free guest access, you can bring up to two guests for a $50 charge per person, or redeem one of your four guest passes you’ll get as a Delta Business Reserve cardholder every year.

You’ll receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.

Other ways to recoup the $650 annual fee include the annual companion certificate, which is valid on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Only Delta One flights are excluded.

The card features a Global Entry/TSA PreCheck application statement credit and ample trip and purchase protections that will help elevate your business travels.

And you’ll also receive up to $610 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $250 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

Don’t forget the opportunity to earn MQDs!

Earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card and receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year.

The Delta Reserve Business American Express card is a solid choice for business owners who are able to reap all the excellent benefits, but note that it may take significant card spend for you to justify the $650 annual fee year after year.

Rates and Fees for the Delta SkyMiles® Reserve Business American Express Credit Card

While there are plenty of travel rewards enthusiasts that want to earn points and miles with a trendy new credit card, the Bank of America Travel Rewards credit card is made for others that just want to earn a free trip with a few fees and hassles as possible. It also offers 1.5 points per dollar spent on all purchases, and those points are worth one cent each as statement credits towards any travel or dining purchases. Points can also be used to pay for baggage fees in addition to other travel expenses such as flights, hotels, vacation packages, and dining/takeout purchases. (Most people would assume the credits are only towards travel so it’s nice that Bank of America includes the statement credit to be applied against dining purchases.

But the best value is offered to Bank of America Preferred Rewards members who can earn a 25%, 50% or 75% bonus, depending on their status within the program. Those with top status can earn as much as 2.62 points per dollar, which is truly exceptional for Preferred Rewards members. These points never expire so long as you account remains open.

Best of all, there’s no annual fee for this card, and no foreign transaction fees imposed on purchases made outside the U.S., so you don’t have to worry about that when traveling.

Bank of America® Travel Rewards credit card vs. Bank of America® Unlimited Cash Rewards credit card

Editor’s Note: It’s a question I had, so I thought you might too. The primary differences are that the Bank of America® Travel Rewards credit card has no foreign transaction fees but redeeming your points is slightly limited in that they can only be redeemed against travel and dinning purchases whereas the Bank of America® Unlimited Cash Rewards credit card has no limitations on cashing out your points for cash, but does charge a foreign transaction fee. So, they are pretty similar, but you would choose this one if you travel internationally and probably choose the Unlimited if you don’t leave the USA.