Question 1

Which is better, American Express Delta SkyMiles Reserve or Chase Hyatt?

Accepted Answer

The American Express Delta SkyMiles Reserve is better with -$60 net annual value compared to the Chase Hyatt at -$95. The American Express Delta SkyMiles Reserve wins by $35/year.

Question 2

What's the difference between American Express Delta SkyMiles Reserve and Chase Hyatt?

Accepted Answer

The key differences: American Express Delta SkyMiles Reserve has a $650 annual fee and $590 in annual benefits, while Chase Hyatt has a $95 annual fee and $0 in annual benefits. The annual fee difference is $555.

Question 3

Which has a lower annual fee, American Express Delta SkyMiles Reserve or Chase Hyatt?

Accepted Answer

The Chase Hyatt has a lower annual fee at $95 compared to the American Express Delta SkyMiles Reserve at $650. However, the American Express Delta SkyMiles Reserve offers $590 in total annual benefits.

Question 4

Is the American Express Delta SkyMiles Reserve worth it compared to the Chase Hyatt?

Accepted Answer

Yes, the American Express Delta SkyMiles Reserve offers better value with -$60 net annual value compared to -$95 for the Chase Hyatt. Even though it has a higher annual fee ($650 vs $95), the American Express Delta SkyMiles Reserve provides more total benefits.

Question 5

Amex vs Chase: which issuer is better?

Accepted Answer

For these specific cards, Amex's American Express Delta SkyMiles Reserve offers better value with -$60 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 is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Chase Hyatt.

Question 7

Should I get the American Express Delta SkyMiles Reserve?

Accepted Answer

If you're deciding between the American Express Delta SkyMiles Reserve and Chase Hyatt, the American Express Delta SkyMiles Reserve is the better choice with -$60 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	HYATT
🍽️Food & Dining	$240	—
🌎Travel	$200	—
🚗Transportation	$120	—
Airline Companion Certificates	Delta First Class Companion Certificate	—
Hotel Free Night Certificates	—	Hyatt Cat 1-4 Free Night
Lounge Access	Centurion Lounge Access Delta Sky Club Access	—
Total credits	$590	$0
Annual fee	$650	$95
Net value	-$60	-$95

American Express Delta SkyMiles Reserve or Chase Hyatt?

Where to use each card

Frequently asked questions