Delta SkyMiles® Reserve Business vs Wells Fargo Active Cash®
Side-by-side comparison
| Delta SkyMiles® Reserve Business | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | $550 | No annual fee |
| Welcome offer | $200 cash rewards bonus | |
| 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 | Pools with Wells Fargo → transferable |
| 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 Wells Fargo Active Cash® 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 Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Wells Fargo Active Cash® delivers more total value, about $904 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 Wells Fargo Active Cash® 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 Wells Fargo Active Cash® 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. Pick the Wells Fargo Active Cash® if your spending leans toward advertising, shipping, office supplies.