The Delta SkyMiles Reserve Business Card edges out the Southwest Premier Business for most cardholders — it wins on 2 of 4 comparison categories and offers 125,000 pts signup bonus. The Southwest Premier Business is the better choice if you want no or lower annual fee.
Delta SkyMiles Reserve Business Card vs Southwest Premier Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Delta Purchases 3x
- Transit/Rideshares 1.5x
- U.S. Shipping Providers 1.5x
- Southwest Purchases 3x
- Rapid Rewards Hotel and Car Rental Partners 2x
- All Other Purchases 1x
- Statement Credit $10
- Statement Credit $20
- Delta Sky Club Access
- First Checked Bag Free
- Priority Boarding
- +2 more
- Unlimited Delta Sky Club AccessAfter $75,000 spend
- 2,000 Tier Qualifying Points toward A-List statusAfter $5,000 spend
Quick summary
A short version of the comparison with the main differences at a glance.
The Delta SkyMiles Reserve Business Card edges out the Southwest Premier Business for most cardholders — it wins on 2 of 4 comparison categories and offers 125,000 pts signup bonus. The Southwest Premier Business is the better choice if you want no or lower annual fee. On raw upside, Delta SkyMiles Reserve Business Card tops out at 3x versus 3x for Southwest Premier Business. Current signup bonus values are roughly $1500 for Delta SkyMiles Reserve Business Card and $840 for Southwest Premier Business. Updated May 30, 2026. Source: https://cardcurator.ai/compare/delta-skymiles-reserve-business-card-vs-southwest-premier-business
- Delta SkyMiles Reserve Business Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Delta SkyMiles Reserve Business Card reaches 3x; Southwest Premier Business reaches 3x.
- Annual fee: Delta SkyMiles Reserve Business Card is $650/yr; Southwest Premier Business is $149/yr.
- Current public bonus values are approximately $1500 and $840.
Common Questions: Delta SkyMiles Reserve Business Card vs Southwest Premier Business
Is the Delta SkyMiles Reserve Business Card or Southwest Premier Business 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). Southwest Premier Business offers 60,000 pts signup bonus (spend $3,000 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 Southwest Premier Business?
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 Southwest Premier Business is from Chase, so they're governed by separate bank policies.