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Card Comparison

Delta SkyMiles Reserve American Express Card vs Discover it Chrome

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

Delta SkyMiles Reserve American Express Card card art
Delta SkyMiles
Delta SkyMiles Reserve American Express Card
American Express
More Info
Discover it Chrome card art
Discover Miles
Discover it Chrome
Discover
More Info
Annual Fee
$650/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
See issuer
1 points
Top Earn Rates
  • Delta Purchases 3x
  • All Other Purchases 1x
  • Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter 2x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
  • Resy Credit $20
  • Rideshare Credit $10
  • Statement Credit $200
None
Card Perks
  • Delta Sky Club Access
  • Centurion Lounge Access
  • First Checked Bag Free
  • +4 more
None listed
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Delta SkyMiles Reserve American Express Card vs Discover it Chrome

Is the Delta SkyMiles Reserve American Express Card or Discover it Chrome better for dining?

Delta SkyMiles Reserve American Express Card has no dining bonus; Discover it Chrome earns 2x on dining.

Which has the higher signup bonus in 2026?

Delta SkyMiles Reserve American Express Card currently offers $1563 signup bonus. Discover it Chrome offers 1 pts signup bonus. Delta SkyMiles Reserve American Express Card 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 Delta SkyMiles Reserve American Express Card and the Discover it Chrome ?

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