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Delta SkyMiles® Reserve Business American Express Card vs IHG One Rewards Premier Credit Card
This comparison aims to help users decide between the Delta SkyMiles® Reserve Business American Express Card and the IHG One Rewards Premier Credit Card. Both cards offer unique benefits tailored to different travel preferences and spending habits.
Card Overviews
Delta SkyMiles® Reserve Business American Express Card
The Delta SkyMiles® Reserve Business American Express Card is designed for frequent Delta flyers who want to maximize their travel rewards and enjoy premium travel benefits. With a higher annual fee, this card provides access to exclusive lounges, companion certificates, and enhanced earning potential on Delta purchases.
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is tailored for those who frequently stay at IHG Hotels & Resorts. With a lower annual fee, it offers generous rewards on hotel stays, bonus points, and a complimentary night each year, making it ideal for travelers who prefer hotel loyalty programs.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Reserve Business Card | IHG One Rewards Premier Credit Card |
|---|---|---|
| Annual Fee | $650 | $99 |
| Welcome Bonus | Earn 80,000 Bonus Miles after spending $10,000 in purchases in your first 6 months | Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months |
| Rewards Structure | 3 miles per dollar on eligible Delta purchases | Up to 26 points per $1 spent at IHG Hotels & Resorts; 5 points per $1 on travel, gas, and restaurants; 3 points per $1 on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Baggage charges may apply | None specified |
| Additional Benefits | Delta Sky Club access, Companion Certificate, Annual statement credit for travel, among others | Anniversary Free Night, Automatic Platinum Elite status, Global Entry or TSA PreCheck credit |
Rewards Highlights
Delta SkyMiles® Reserve Business American Express Card
- Earn 3 miles per dollar on eligible Delta purchases.
IHG One Rewards Premier Credit Card
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
- Earn 3 points per $1 spent on all other purchases.
Pros and Cons
Delta SkyMiles® Reserve Business American Express Card
- Pros:
- Generous rewards on Delta purchases.
- Access to Delta Sky Club and The Centurion Lounge.
- Companion Certificate each year.
- Various travel credits and benefits.
- Cons:
- High annual fee.
- Requires significant spending to maximize benefits.
IHG One Rewards Premier Credit Card
- Pros:
- Lower annual fee.
- Generous welcome bonus.
- Free night each year at IHG Hotels.
- Automatic Platinum Elite status.
- Cons:
- Less valuable for non-IHG hotel stays.
- Lower rewards rate on general purchases compared to Delta card.
Who Should Consider Which Card?
- Delta SkyMiles® Reserve Business American Express Card: Ideal for frequent Delta travelers who prioritize airline rewards and premium travel experiences.
- IHG One Rewards Premier Credit Card: Best for travelers who often stay at IHG properties and want to earn substantial hotel rewards without a high fee.
Conclusion
In summary, your choice between the Delta SkyMiles® Reserve Business American Express Card and the IHG One Rewards Premier Credit Card should reflect your personal travel habits and financial goals. Consider where you spend the most and what benefits align with your lifestyle when making a decision.