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Card Comparison

Delta SkyMiles Reserve Business Card vs IHG One Rewards Premier Credit 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
IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
Annual Fee
$650/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
125,000 points
Spend $15,000 in 6 months
175,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Delta Purchases 3x
  • Transit/Rideshares 1.5x
  • U.S. Shipping Providers 1.5x
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
Reward Type
miles
miles
Key Credits
  • Statement Credit $10
  • Statement Credit $20
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
Card Perks
  • Delta Sky Club Access
  • First Checked Bag Free
  • Priority Boarding
  • +2 more
  • 4th award night free
  • Platinum Elite Status
Spend Milestones
  • Unlimited Delta Sky Club Access
    After $75,000 spend
  • 100 Statement Credit
    After $20,000 spend
  • 10000 points
    After $20,000 spend
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Delta SkyMiles Reserve Business Card vs IHG One Rewards Premier Credit Card

Is the Delta SkyMiles Reserve Business Card or IHG One Rewards Premier Credit Card better for dining?

Delta SkyMiles Reserve Business Card has no dining bonus; IHG One Rewards Premier Credit Card earns 5x on dining.

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). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 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 IHG One Rewards Premier Credit Card?

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