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CardCurator — Rewards Intelligence
Card Comparison

Chase Freedom Unlimited vs Delta SkyMiles Reserve American Express Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Freedom Unlimited card art
Chase Ultimate Rewards
Chase Freedom Unlimited
Chase
More Info
Delta SkyMiles Reserve American Express Card card art
Delta SkyMiles
Delta SkyMiles Reserve American Express Card
American Express
More Info
Annual Fee
No annual fee
$650/yr
Foreign Fees
None
None
Signup Bonus
25,000 points
Spend $500 in 3 months
See issuer
Top Earn Rates
  • Chase Travel 5x
  • Dining 3x
  • Drugstores 3x
  • Delta Purchases 3x
  • All Other Purchases 1x
Reward Type
miles
miles
Pts Value
~1.50¢/pt points · industry est.
~1.20¢/pt miles · industry est.
Key Credits
None
  • Resy Credit $20
  • Rideshare Credit $10
  • Statement Credit $200
Card Perks
None listed
  • Delta Sky Club Access
  • Centurion Lounge Access
  • First Checked Bag Free
  • +4 more
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
No transfer partners
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Common Questions: Chase Freedom Unlimited vs Delta SkyMiles Reserve American Express Card

Is the Chase Freedom Unlimited or Delta SkyMiles Reserve American Express Card better for dining?

Chase Freedom Unlimited earns 3x on dining; Delta SkyMiles Reserve American Express Card has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Freedom Unlimited currently offers 25,000 pts signup bonus (spend $500 in 3 months). Delta SkyMiles Reserve American Express Card offers $16 signup bonus. Chase Freedom Unlimited has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Chase Freedom Unlimited and the Delta SkyMiles Reserve American Express Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Freedom Unlimited is from Chase and Delta SkyMiles Reserve American Express Card is from American Express, so they're governed by separate bank policies.