Delta SkyMiles® Reserve Business vs Marriott Bonvoy Business® American Express® Card
Side-by-side comparison
| Delta SkyMiles® Reserve Business | Marriott Bonvoy Business® American Express® Card | |
|---|---|---|
| Annual fee | $550 | $125 |
| Welcome offer | ||
| Advertising | 1% | 2% |
| Shipping | 1% | 4% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 4% |
| Travel | 3% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $546 | $1,092 |
| Points type | Locked to Delta SkyMiles | Locked to Marriott Bonvoy |
| 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 Delta SkyMiles® Reserve Business earns about $546 a year in rewards and the Marriott Bonvoy Business® American Express® Card about $1,092, valuing every point at a flat 1 cent. The Delta SkyMiles® Reserve Business charges $550, which you clear through its rewards and perks. The Marriott Bonvoy Business® American Express® Card charges $125, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Marriott Bonvoy Business® American Express® Card delivers more total value, about $971 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and shipping. 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 Marriott Bonvoy Business® American Express® Card 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. Pick the Marriott Bonvoy Business® American Express® Card if your spending leans toward advertising, shipping, office supplies.