Blue Cash Preferred vs Delta SkyMiles Reserve
Blue Cash Preferred
$95/yr
7.0/10
VS
Delta SkyMiles Reserve
$650/yr
5.5/10
Quick Answer
Blue Cash Preferred charges $95/yr with 1X base rewards. Delta SkyMiles Reserve charges $650/yr with 1X base rewards. Blue Cash Preferred offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Blue Cash Preferred →
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Winner by Category
Annual Fees
Blue Cash Preferred
Lower annual fee ($95 vs $650)
Rewards Earning
Blue Cash Preferred
5 earning categories
Benefits & Protection
Blue Cash Preferred
4 benefits vs 0
Statement Credits
Delta SkyMiles Reserve
$360 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Blue Cash Preferred wins for most people
The $555 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Cash PreferredPREMIUM PICK
Delta SkyMiles Reserve wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Delta SkyMiles ReserveRewards Earning: Detailed Comparison
Blue Cash Preferred
| US supermarkets | 6.0X (up to $6,000) |
| Streaming services | 6.0X |
| Transit | 3.0X |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 1.0X |
Delta SkyMiles Reserve
| Delta purchases | 3.0X |
| Everything else | 1.0X |
| 15% off award travel | 1.5X |
Card Benefits: Detailed Comparison
Blue Cash Preferred (4 benefits)
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)
Delta SkyMiles Reserve (0 benefits)
See full review for benefits details.