CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The Delta SkyMiles Platinum American Express Card ($350/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Reserve | Delta SkyMiles Platinum American Express Card |
|---|---|---|
| Flights | 4X |
Both cards win in 3 categories each — it comes down to which categories matter most to you.
Hotels
Chase Sapphire Reserve earns 4X vs 2X
Flights
Chase Sapphire Reserve earns 4X vs 1X
Dining
Chase Sapphire Reserve earns 3X vs 2X
Delta Purchases
Delta SkyMiles Platinum American Express Card earns 3X vs 1X
Delta Airlines
Delta SkyMiles Platinum American Express Card earns 3X vs 1X
Grocery Stores
Delta SkyMiles Platinum American Express Card earns 2X vs 1X
The Chase Sapphire Reserve costs $795/yr — that's $445 more than the Delta SkyMiles Platinum American Express Card ($350/yr). To justify that gap, you need to extract at least $445 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $445 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Delta SkyMiles Platinum American Express Card delivers strong value at a fraction of the cost.
The Delta SkyMiles Platinum American Express Card has a lower annual fee ($350 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
Choose the Delta SkyMiles Platinum American Express Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The Delta SkyMiles Platinum American Express Card ($350/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Reserve | Delta SkyMiles Platinum American Express Card |
|---|---|---|
| Flights | 4X |
Both cards win in 3 categories each — it comes down to which categories matter most to you.
Hotels
Chase Sapphire Reserve earns 4X vs 2X
Flights
Chase Sapphire Reserve earns 4X vs 1X
Dining
Chase Sapphire Reserve earns 3X vs 2X
Delta Purchases
Delta SkyMiles Platinum American Express Card earns 3X vs 1X
Delta Airlines
Delta SkyMiles Platinum American Express Card earns 3X vs 1X
Grocery Stores
Delta SkyMiles Platinum American Express Card earns 2X vs 1X
The Chase Sapphire Reserve costs $795/yr — that's $445 more than the Delta SkyMiles Platinum American Express Card ($350/yr). To justify that gap, you need to extract at least $445 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $445 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Delta SkyMiles Platinum American Express Card delivers strong value at a fraction of the cost.
The Delta SkyMiles Platinum American Express Card has a lower annual fee ($350 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
Choose the Delta SkyMiles Platinum American Express Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The Delta SkyMiles Platinum American Express Card ($350/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Chase Sapphire Reserve | Delta SkyMiles Platinum American Express Card |
|---|---|---|
| Flights | 4X |
Both cards win in 3 categories each — it comes down to which categories matter most to you.
Hotels
Chase Sapphire Reserve earns 4X vs 2X
Flights
Chase Sapphire Reserve earns 4X vs 1X
Dining
Chase Sapphire Reserve earns 3X vs 2X
Delta Purchases
Delta SkyMiles Platinum American Express Card earns 3X vs 1X
Delta Airlines
Delta SkyMiles Platinum American Express Card earns 3X vs 1X
Grocery Stores
Delta SkyMiles Platinum American Express Card earns 2X vs 1X
The Chase Sapphire Reserve costs $795/yr — that's $445 more than the Delta SkyMiles Platinum American Express Card ($350/yr). To justify that gap, you need to extract at least $445 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $445 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Delta SkyMiles Platinum American Express Card delivers strong value at a fraction of the cost.
The Delta SkyMiles Platinum American Express Card has a lower annual fee ($350 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
Choose the Delta SkyMiles Platinum American Express Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| Hotels | 4X | 2X |
| Delta Airlines | 1X | 3X |
| Delta Purchases | 1X | 3X |
| Dining | 3X | 2X |
| Grocery Stores | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Delta SkyMiles Platinum American Express Card means losing:
Choosing Chase Sapphire Reserve means losing:
Get the Chase Sapphire Reserve if you:
Get the Delta SkyMiles Platinum American Express Card if you:
| Hotels | 4X | 2X |
| Delta Airlines | 1X | 3X |
| Delta Purchases | 1X | 3X |
| Dining | 3X | 2X |
| Grocery Stores | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Delta SkyMiles Platinum American Express Card means losing:
Choosing Chase Sapphire Reserve means losing:
Get the Chase Sapphire Reserve if you:
Get the Delta SkyMiles Platinum American Express Card if you:
| Hotels | 4X | 2X |
| Delta Airlines | 1X | 3X |
| Delta Purchases | 1X | 3X |
| Dining | 3X | 2X |
| Grocery Stores | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Delta SkyMiles Platinum American Express Card means losing:
Choosing Chase Sapphire Reserve means losing:
Get the Chase Sapphire Reserve if you:
Get the Delta SkyMiles Platinum American Express Card if you:
