Question 1

Which is better, American Express Delta SkyMiles Reserve Business or Wells Fargo Autograph Journey?

Accepted Answer

The American Express Delta SkyMiles Reserve Business is better with -$10 net annual value compared to the Wells Fargo Autograph Journey at -$45. The American Express Delta SkyMiles Reserve Business wins by $35/year.

Question 2

What's the difference between American Express Delta SkyMiles Reserve Business and Wells Fargo Autograph Journey?

Accepted Answer

The key differences: American Express Delta SkyMiles Reserve Business has a $650 annual fee and $640 in annual benefits, while Wells Fargo Autograph Journey has a $95 annual fee and $50 in annual benefits. The annual fee difference is $555.

Question 3

Which has a lower annual fee, American Express Delta SkyMiles Reserve Business or Wells Fargo Autograph Journey?

Accepted Answer

The Wells Fargo Autograph Journey has a lower annual fee at $95 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 American Express Delta SkyMiles Reserve Business worth it compared to the Wells Fargo Autograph Journey?

Accepted Answer

Yes, the American Express Delta SkyMiles Reserve Business offers better value with -$10 net annual value compared to -$45 for the Wells Fargo Autograph Journey. Even though it has a higher annual fee ($650 vs $95), the American Express Delta SkyMiles Reserve Business provides more total benefits.

Question 5

Amex vs Wells Fargo: which issuer is better?

Accepted Answer

For these specific cards, Amex's American Express Delta SkyMiles Reserve Business offers better value with -$10 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Question 6

Which card is better for food_and_dining?

Accepted Answer

The American Express Delta SkyMiles Reserve Business is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Wells Fargo Autograph Journey.

Question 7

Should I get the American Express Delta SkyMiles Reserve Business?

Accepted Answer

If you're deciding between the American Express Delta SkyMiles Reserve Business and Wells Fargo Autograph Journey, the American Express Delta SkyMiles Reserve Business is the better choice with -$10 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	WELLS FARGO AUTOGRAPH JOURNEY
🌎Travel	$250	$50
🍽️Food & Dining	$240	—
🚗Transportation	$120	—
Airline Companion Certificates	Delta First Class Companion Certificate	—
Lounge Access	Centurion Lounge Access Delta Sky Club Access	—
Total credits	$640	$50
Annual fee	$650	$95
Net value	-$10	-$45

American Express Delta SkyMiles Reserve Business or Wells Fargo Autograph Journey?

Where to use each card

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