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Chase Sapphire Preferred® Card vs Delta SkyMiles® Reserve American Express Card
This comparison aims to help potential cardholders decide between the Chase Sapphire Preferred® Card and the Delta SkyMiles® Reserve American Express Card. Both cards offer unique benefits tailored to different spending habits and travel preferences.
Card Overviews
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is designed for travelers who want to earn rewards on their spending and enjoy travel-related benefits. With a focus on dining and travel purchases, this card offers significant earning potential and valuable redemption options for those who frequently travel or dine out.
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles® Reserve American Express Card is targeted at frequent Delta Airlines flyers. It provides extensive travel perks, including access to airport lounges and companion certificates, making it ideal for those who fly Delta regularly and are looking for premium rewards and benefits.
Detailed Feature Comparison
| Feature | Chase Sapphire Preferred® Card | Delta SkyMiles® Reserve American Express Card |
|---|---|---|
| Annual Fee | $95 | $650 |
| Welcome Bonus | Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases in your first 6 months. |
| Rewards Structure | 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services, and online groceries; 2x on all other travel purchases; 1x on other purchases. | 3X Miles on Delta purchases; 1X Miles on all other eligible purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more. | 15 Delta Sky Club® visits, Companion Certificate, $240 Resy Credit, $120 Rideshare Credit, and more. |
Rewards Highlights
- Earn 3X Miles on Delta purchases.
- Earn 1X Miles on all other eligible purchases.
Pros and Cons
Chase Sapphire Preferred® Card
- Pros:
- Lower annual fee compared to competitors.
- Flexible points redemption options.
- Strong rewards on various categories including travel and dining.
- Cons:
- Less valuable for those who do not travel frequently.
- Limited premium travel benefits compared to other cards.
Delta SkyMiles® Reserve American Express Card
- Pros:
- Extensive travel perks for Delta flyers, including lounge access.
- Companion certificate adds significant value annually.
- Strong earning potential specifically for Delta purchases.
- Cons:
- High annual fee may not justify the benefits for occasional travelers.
- Benefits primarily cater to Delta Airlines customers.
Who Should Consider Which Card?
- The Chase Sapphire Preferred® Card is ideal for users who:
- Value flexible rewards and travel options.
- Frequently dine out or travel beyond a single airline.
- Want a cost-effective travel rewards card.
- The Delta SkyMiles® Reserve American Express Card is suitable for users who:
- Are loyal Delta Airlines customers.
- Frequently travel and value lounge access and premium benefits.
- Can take advantage of the companion certificate and statement credits.
Conclusion
Both the Chase Sapphire Preferred® Card and the Delta SkyMiles® Reserve American Express Card offer unique advantages tailored to different types of users. Consider your individual spending habits, travel preferences, and financial goals when making your decision.