Delta SkyMiles® Reserve Business vs Capital One Venture X Business
Side-by-side comparison
| Delta SkyMiles® Reserve Business | Capital One Venture X Business | |
|---|---|---|
| Annual fee | $550 | $395 |
| Welcome offer | 150,000 Miles | |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 3% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $546 | $900 |
| Points type | Locked to Delta SkyMiles | Transfers to airlines & hotels |
| Network | Amex | Visa |
*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 Capital One Venture X Business about $900, valuing every point at a flat 1 cent. The Delta SkyMiles® Reserve Business charges $550, which you clear through its rewards and perks. The Capital One Venture X Business charges $395, but carries about $520 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Capital One Venture X Business delivers more total value, about $769 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Capital One Venture X Business 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 Capital One Venture X Business if you will use travel transfers, the Delta SkyMiles® Reserve Business if you want simplicity. On the sign-up bonus, the Capital One Venture X Business currently has the larger welcome offer. Note that Delta SkyMiles® Reserve Business is running a limited-time offer above the usual amount, so that edge may not last. 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 Capital One Venture X Business if your spending leans toward advertising, shipping, office supplies.