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American Express Business Gold Card vs Delta SkyMiles Reserve Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Business Gold Card 2.0% 1x base rate
  2. Delta SkyMiles Reserve Card 1.2% 1x base rate

Flights

  1. Delta SkyMiles Reserve Card 3.6% 3x
  2. Business Gold Card 2.0% 1x base rate

Flights · portal

  1. Business Gold Card · American Express Travel 6.0% 3x

Hotels · portal

  1. Business Gold Card · American Express Travel 6.0% 3x

What the numbers are doing

Business Gold Card lets you choose 2 categories to earn 4x on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

The table is earn rate only — annual fees are not netted out of it. These cards charge Business Gold Card $375 and Delta SkyMiles Reserve Card $650 a year, so a thin lead in one category may not cover the difference.

Where they differ: Business Gold Card takes everything else; Delta SkyMiles Reserve Card takes flights.

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Pass content preview
CategoryBest card
Everything elseBusiness Gold Card2.0%
FlightsDelta SkyMiles Reserve Card3.6%
Flights · portalBusiness Gold Card · American Express Travel6.0%
Hotels · portalBusiness Gold Card · American Express Travel6.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Business Gold Card — 2.0%
  2. Delta SkyMiles Reserve Card — 1.2%

Flights

  1. Delta SkyMiles Reserve Card — 3.6%
  2. Business Gold Card — 2.0%

Flights · portal

  1. Business Gold Card · American Express Travel — 6.0%

Hotels · portal

  1. Business Gold Card · American Express Travel — 6.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.