Card comparisonSide by side
Chase Freedom Flex® vs Delta SkyMiles® Reserve American Express Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | American Express |
Card Network | ||
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 2/2 cards | Mid Tier | Premium |
Credit Score | Good(700-749) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $650 |
Foreign Transaction Fee | Yes (3%) | None |
Purchase APR | 19.99% – 28.74% | 20.99% – 29.99% |
Intro APR | 0% for 15 months | — |
| Rewards | ||
Welcome Bonus | Earn $200 | Earn 60,000 miles |
Bonus Value | $200 | $720 |
Reward Rate Data: 2/2 cards | 5% back on chase travel (booked through chase ultimate rewards) | 3x miles on delta purchases |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards | Delta SkyMiles |
| Earning Rates | ||
| All other purchases | 1% back | 1x milesAll eligible purchases |
| Chase Travel (booked through Chase Ultimate Rewards) | 5% backPurchases made through Chase Ultimate Rewards travel portal | — |
| Delta purchases | — | 3x milesPurchases made directly with Delta |
| Dining at restaurants (including takeout and eligible delivery services) | 3% back | — |
| Drugstores | 3% back | — |
| Rotating quarterly bonus categories (activated, up to $1,500/quarter) | 5% backRequires quarterly activation; 5% applies on up to $1,500 in combined purchases each quarter | — |
| Benefits | ||
Key Benefits |
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