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CardCurator — Rewards Intelligence
Card Comparison

Delta SkyMiles Reserve Business Card vs The Platinum Card from American Express Exclusively for Morgan Stanley

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
The Platinum Card from American Express Exclusively for Morgan Stanley card art
American Express Membership Rewards
The Platinum Card from American Express Exclusively for Morgan Stanley
American Express
More Info
Annual Fee
$650/yr
$895/yr
Foreign Fees
None
None
Signup Bonus
125,000 points
Spend $15,000 in 6 months
150,000 points
Spend $12,000 in 6 months
Top Earn Rates
  • Delta Purchases 3x
  • Transit/Rideshares 1.5x
  • U.S. Shipping Providers 1.5x
  • Flights (Direct or Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • All Other Purchases 1x
Reward Type
miles
miles
Key Credits
  • Statement Credit $10
  • Statement Credit $20
  • Hotel Credit $300
  • Uber Cash $200
  • Uber One Credit $120
  • +2 more
Card Perks
  • Delta Sky Club Access
  • First Checked Bag Free
  • Priority Boarding
  • +2 more
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +2 more
Spend Milestones
  • Unlimited Delta Sky Club Access
    After $75,000 spend
No milestones
Transfer Partners
No transfer partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: Delta SkyMiles Reserve Business Card vs The Platinum Card from American Express Exclusively for Morgan Stanley

Is the Delta SkyMiles Reserve Business Card or The Platinum Card from American Express Exclusively for Morgan Stanley 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). The Platinum Card from American Express Exclusively for Morgan Stanley offers 150,000 pts signup bonus (spend $12,000 in 6 months). Both bonuses are roughly equal in value.

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 The Platinum Card from American Express Exclusively for Morgan Stanley?

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.