Delta SkyMiles Reserve vs Hilton Honors
Delta SkyMiles Reserve
$650/yr
5.5/10
VS
Hilton Honors
$0/yr
7.5/10
Quick Answer
Delta SkyMiles Reserve charges $650/yr with 1X base rewards. Hilton Honors charges no annual fee with 1X base rewards. Hilton Honors offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Delta SkyMiles Reserve →
PointsPick may earn a commission. Disclosure
Apply for Hilton Honors →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Hilton Honors
Lower annual fee ($650 vs $0)
Rewards Earning
Hilton Honors
5 earning categories
Benefits & Protection
Delta SkyMiles Reserve
0 benefits vs 0
Statement Credits
Delta SkyMiles Reserve
$360 in annual credits
Flexibility
Hilton Honors
Transferable points to airline/hotel partners
OUR PICK
Hilton Honors wins for most people
The $650 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton HonorsPREMIUM 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
Delta SkyMiles Reserve
| Delta purchases | 3.0X |
| Everything else | 1.0X |
| 15% off award travel | 1.5X |
Hilton Honors
| Hilton hotels | 7.0X |
| US restaurants | 5.0X |
| US supermarkets | 5.0X |
| US gas stations | 5.0X |
| Everything else | 3.0X |