pointslip milestomorrow.com

American Express Delta SkyMiles Reserve Card vs Graphite Business Cash Unlimited 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. Graphite Business Cash Unlimited Card 2.0% 2% base rate
  2. Delta SkyMiles Reserve Card 1.2% 1x base rate

Flights

  1. Delta SkyMiles Reserve Card 3.6% 3x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Flights · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

Hotels · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Delta SkyMiles Reserve Card $650 and Graphite Business Cash Unlimited Card $295 a year, so a thin lead in one category may not cover the difference.

Where they differ: Graphite Business Cash Unlimited Card takes everything else; Delta SkyMiles Reserve Card takes flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseGraphite Business Cash Unlimited Card2.0%
FlightsDelta SkyMiles Reserve Card3.6%
Flights · portalGraphite Business Cash Unlimited Card · American Express Travel5.0%
Hotels · portalGraphite Business Cash Unlimited Card · American Express Travel5.0%

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. Graphite Business Cash Unlimited Card — 2.0%
  2. Delta SkyMiles Reserve Card — 1.2%

Flights

  1. Delta SkyMiles Reserve Card — 3.6%
  2. Graphite Business Cash Unlimited Card — 2.0%

Flights · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%

Hotels · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%
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.