Delta SkyMiles® Reserve American Express Card vs IHG One Rewards Premier Business Credit Card

This comparison aims to help you decide between the Delta SkyMiles® Reserve American Express Card and the IHG One Rewards Premier Business Credit Card. Both cards offer unique benefits tailored to different travel preferences, making it essential to evaluate each based on your personal needs.

Card Overviews

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card is primarily designed for frequent Delta Airlines travelers, offering extensive travel perks, including lounge access and bonus miles for Delta purchases. With a higher annual fee, it targets those who maximize travel rewards and benefits.

IHG One Rewards Premier Business Credit Card

The IHG One Rewards Premier Business Credit Card is tailored for individuals who frequently stay at IHG hotels and seek to earn rewards points for every dollar spent. With a lower annual fee, it provides a range of hotel-centric benefits, appealing to business travelers and leisure guests alike.

Detailed Feature Comparison

Rewards Highlights

Delta SkyMiles® Reserve American Express Card

• Earn 3X Miles on Delta purchases.
• Earn 1X Miles on all other eligible purchases.

IHG One Rewards Premier Business Credit Card

• Our Best Points Offer Ever! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts.
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants.
• Earn 3 points per $1 spent on all other purchases.

Pros and Cons

Delta SkyMiles® Reserve American Express Card

• Pros:
  • Extensive travel benefits with Delta Airlines.
  • Access to Delta Sky Club and Centurion Lounge.
  • Generous welcome bonus for new members.
  • Companion certificate for annual travel.
• Cons:
  • High annual fee.
  • Limited to Delta Airlines for maximum benefits.

IHG One Rewards Premier Business Credit Card

• Pros:
  • Lower annual fee compared to competitors.
  • High earning potential for IHG stays.
  • Automatic Platinum Elite status.
  • Anniversary free night benefit.
• Cons:
  • Less valuable for non-IHG hotel stays.
  • Fewer travel-related perks compared to airline cards.

Who Should Consider Which Card?

• Delta SkyMiles® Reserve American Express Card: This card is ideal for frequent Delta travelers who prioritize airline perks, lounge access, and earning miles specifically with Delta. If you often fly Delta and can take advantage of the various benefits, this card may be the right choice.
• IHG One Rewards Premier Business Credit Card: This card suits individuals who frequently stay at IHG hotels and prefer earning points for hotel stays rather than airline miles. If you value hotel-related rewards and lower fees, this card is a better fit.

Conclusion

Ultimately, choosing between the Delta SkyMiles® Reserve American Express Card and the IHG One Rewards Premier Business Credit Card depends on your travel habits and preferences. Consider your spending patterns and the types of rewards that align with your lifestyle to make an informed decision.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”