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CardCurator — Rewards Intelligence
Quick Answer

The Hilton Honors Business Card edges out the Delta SkyMiles Reserve Business Card for most cardholders — it wins on 3 of 4 comparison categories and offers 130,000 pts signup bonus earns more (up to 12x vs 3x). The Delta SkyMiles Reserve Business Card is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

Delta SkyMiles Reserve Business Card vs Hilton Honors Business Card

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

Delta SkyMiles Reserve Business Card card art
Delta SkyMiles
Delta SkyMiles Reserve Business Card
American Express
More Info
Hilton Honors Business Card card art
Hilton Honors
Hilton Honors Business Card
American Express
More Info
Annual Fee
$650/yr
$195/yr
Foreign Fees
None
None
Signup Bonus
125,000 points
Spend $15,000 in 6 months
was 125k pts
130,000 points
Spend $8,000 in 6 months
was 175k pts
Top Earn Rates
  • Delta Purchases 3x
  • Transit/Rideshares 1.5x
  • U.S. Shipping Providers 1.5x
  • hotels and resorts within the Hilton portfolio 12x
  • Eligible Purchases on the first $100K in eligible purchases per calendar year 5x
  • All Other Purchases 3x
Reward Type
miles
miles
Pts Value
~1.20¢/pt miles · industry est.
~0.50¢/pt points · industry est.
Key Credits
  • Statement Credit $10
  • Statement Credit $20
  • Hilton Credit $60
Card Perks
  • Delta Sky Club Access
  • First Checked Bag Free
  • Priority Boarding
  • +2 more
  • Hilton Honors Gold Status
  • National Car Rental® Emerald Club Executive® Status
Spend Milestones
  • Unlimited Delta Sky Club Access
    After $75,000 spend
  • Hilton Honors Diamond Status
    After $40,000 spend
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Delta SkyMiles Reserve Business Card vs Hilton Honors Business Card

Is the Delta SkyMiles Reserve Business Card or Hilton Honors Business Card better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Delta SkyMiles Reserve Business Card currently offers 125,000 pts signup bonus (spend $15,000 in 6 months). Hilton Honors Business Card offers 130,000 pts signup bonus (spend $8,000 in 6 months). Delta SkyMiles Reserve Business 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 Business Card and the Hilton Honors Business Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from American Express, so check their specific application rules.