Bilt Blue vs Delta SkyMiles® Reserve Business
Side-by-side comparison
| Bilt Blue | Delta SkyMiles® Reserve Business | |
|---|---|---|
| Annual fee | No annual fee | $550 |
| Welcome offer | $100 in Bilt Cash on account opening | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 2% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $498 | $546 |
| Points type | Transfers to airlines & hotels | Locked to Delta SkyMiles |
| Network | Mastercard | 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 Bilt Blue earns about $498 a year in rewards and the Delta SkyMiles® Reserve Business about $546, valuing every point at a flat 1 cent. The Bilt Blue has no annual fee, so its rewards are all profit. The Delta SkyMiles® Reserve Business charges $550, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bilt Blue delivers more total value, about $552 a year more for a typical spender, mostly because it carries more in annual statement credits. The bigger difference is the ceiling: the Bilt Blue 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 Bilt Blue 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 limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Delta SkyMiles® Reserve Business if your spending leans toward travel.