American Express® Green vs Delta SkyMiles® Reserve Business
Side-by-side comparison
| American Express® Green | Delta SkyMiles® Reserve Business | |
|---|---|---|
| Annual fee | $150 | $550 |
| Welcome offer | 40,000 Membership Rewards® Points | 125,000 miles |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 3% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $594 | $546 |
| Points type | Transfers to airlines & hotels | Locked to Delta SkyMiles |
| Network | Amex | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Green earns about $594 a year in rewards and the Delta SkyMiles® Reserve Business about $546, valuing every point at a flat 1 cent. The American Express® Green charges $150, but carries about $199 in annual statement credits that offset it for anyone who uses them. The Delta SkyMiles® Reserve Business charges $550, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the American Express® Green delivers more total value, about $548 a year more for a typical spender, mostly because it carries more in annual statement credits. The bigger difference is the ceiling: the American Express® Green earns points you can move to travel partners for outsized value, while the Delta SkyMiles® Reserve Business stays locked to a single airline or hotel program. Favor the American Express® Green if you will use travel transfers, the Delta SkyMiles® Reserve Business if you want simplicity. On the sign-up bonus, the Delta SkyMiles® Reserve Business currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.