Choice Privileges® Select Mastercard® vs Delta SkyMiles® Gold Business
Side-by-side comparison
| Choice Privileges® Select Mastercard® | Delta SkyMiles® Gold Business | |
|---|---|---|
| Annual fee | $95 | $150 |
| Welcome offer | 60,000 points | |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 1% |
| Phone & internet | 5% | 1% |
| Travel | 1% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $594 | $654 |
| Points type | Locked to Choice Privileges | 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 Choice Privileges® Select Mastercard® earns about $594 a year in rewards and the Delta SkyMiles® Gold Business about $654, valuing every point at a flat 1 cent. The Choice Privileges® Select Mastercard® charges $95, which you clear through its rewards and perks. The Delta SkyMiles® Gold Business charges $150, which you clear through its rewards and perks. The two are close on value, but the Delta SkyMiles® Gold Business edges ahead by about $5 a year, mostly because it earns more where you spend most, on advertising and travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Delta SkyMiles® Gold 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 Choice Privileges® Select Mastercard® if your spending leans toward phone & internet. Pick the Delta SkyMiles® Gold Business if your spending leans toward advertising, shipping, travel.