Question 1

Which is better, American Express Delta SkyMiles Reserve Business or IHG One Rewards Premier Credit Card?

Accepted Answer

The IHG One Rewards Premier Credit Card is better with $270 net annual value compared to the American Express Delta SkyMiles Reserve Business at -$10. The IHG One Rewards Premier Credit Card wins by $280/year.

Question 2

What's the difference between American Express Delta SkyMiles Reserve Business and IHG One Rewards Premier Credit Card?

Accepted Answer

The key differences: American Express Delta SkyMiles Reserve Business has a $650 annual fee and $640 in annual benefits, while IHG One Rewards Premier Credit Card has a $150 annual fee and $420 in annual benefits. The annual fee difference is $500.

Question 3

Which has a lower annual fee, American Express Delta SkyMiles Reserve Business or IHG One Rewards Premier Credit Card?

Accepted Answer

The IHG One Rewards Premier Credit Card has a lower annual fee at $150 compared to the American Express Delta SkyMiles Reserve Business at $650. However, the American Express Delta SkyMiles Reserve Business offers $640 in total annual benefits.

Question 4

Is the IHG One Rewards Premier Credit Card worth it compared to the American Express Delta SkyMiles Reserve Business?

Accepted Answer

Yes, the IHG One Rewards Premier Credit Card offers better value with $270 net annual value compared to -$10 for the American Express Delta SkyMiles Reserve Business. It also has a lower annual fee.

Question 5

Amex vs Chase: which issuer is better?

Accepted Answer

For these specific cards, Chase's IHG One Rewards Premier Credit Card offers better value with $270 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Question 6

Which card is better for transportation?

Accepted Answer

The American Express Delta SkyMiles Reserve Business is better for transportation with $120 in annual transportation benefits compared to $0 for the IHG One Rewards Premier Credit Card.

Question 7

Should I get the IHG One Rewards Premier Credit Card?

Accepted Answer

If you're deciding between the American Express Delta SkyMiles Reserve Business and IHG One Rewards Premier Credit Card, the IHG One Rewards Premier Credit Card is the better choice with $270 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

CATEGORY	DELTA SKYMILES RESERVE BUSINESS	IHG ONE REWARDS PREMIER CREDIT CARD
🍽️Food & Dining	$240	$240
🌎Travel	$250	$150
🚗Transportation	$120	—
Airline Companion Certificates	Delta First Class Companion Certificate	—
Hotel Free Night Certificates	—	IHG 50k Free Night
Lounge Access	Centurion Lounge Access Delta Sky Club Access	—
Total credits	$640	$420
Annual fee	$650	$150
Net value	-$10	+$270

American Express Delta SkyMiles Reserve Business or IHG One Rewards Premier Credit Card?

Where to use each card

Frequently asked questions