Southwest Rapid Rewards Premier vs Delta SkyMiles Reserve: Which Is Better In 2025?

Delta SkyMiles® Reserve American Express Breakdown

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Why We Like It

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Here’s a breakdown of why we think the Delta SkyMiles® Reserve American Express Card is a top-tier choice for frequent flyers.

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• Cardholders receive premium lounge access, including 15 annual visits to the Delta Sky Club® and four guest passes each year.
• While it comes with a significant annual fee (See Rates & Fees), valuable statement credits for rideshares and dining can help offset the cost.
• The annual companion certificate for a domestic first-class, Delta Comfort, or main cabin round-trip flight can easily offset the card's annual cost in a single trip (publisher-formulated estimate).

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Pros

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• Extensive lounge access, including complimentary entry to Delta Sky Club® and The Centurion® Lounge when you fly with Delta.
• Receive an annual Companion Certificate for a domestic round-trip flight, which is even valid for First Class tickets.
• Accelerate your path to Medallion® Status and enjoy priority treatment with perks like a free first checked bag and priority boarding.

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Cons

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• Carries a high annual fee that may be difficult to justify for travelers who don't fly Delta frequently.
• Bonus rewards are primarily focused on Delta purchases, limiting its earning potential on everyday spending compared to other premium cards.
• The card’s most valuable benefits are almost exclusively tied to flying with Delta, offering limited value if you fly with multiple airlines.

Delta SkyMiles® Reserve American Express vs Southwest Rapid Rewards® Premier

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Categories

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Deciding which is better, Southwest Rapid Rewards Premier or Delta SkyMiles Reserve, comes down to your travel habits and what you value in a co-branded airline card. Each card caters to a different type of flyer, offering unique paths to earning rewards and enjoying travel perks.

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• Southwest Rapid Rewards® Premier Credit Card: This card is designed for loyal Southwest flyers looking for solid day-of-travel benefits and a straightforward way to earn points. It's a mid-tier option that provides a good balance of perks and value for those who fly with the airline semi-frequently.
• Delta SkyMiles® Reserve American Express Card: Aimed at the frequent Delta traveler, this premium card focuses on delivering a luxury travel experience. It's best for those who want to fast-track to elite status and enjoy exclusive benefits like airport lounge access.

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Redemption

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Southwest Rapid Rewards® Premier Credit Card: Points are redeemed for Southwest flights, with the value directly tied to the ticket price, offering a simple and transparent booking process. This system means there are no blackout dates on Southwest-operated flights when using your points.

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Delta SkyMiles® Reserve American Express Card: SkyMiles can be redeemed for flights with Delta and its extensive network of partner airlines, as well as for seat upgrades and premium travel experiences. Cardholders can also leverage their miles for non-flight rewards like vacation packages and merchandise.

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Travel Perks

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• The Delta SkyMiles® Reserve American Express Card offers a premium airport experience with complimentary access to Delta Sky Club and The Centurion Lounge when flying with Delta. In contrast, the Southwest Rapid Rewards® Premier Credit Card does not include airport lounge access as a benefit.
• For international travel, both cards are on equal footing as neither charges a foreign transaction fee on purchases made abroad.
• Delta Reserve cardholders have the flexibility to book travel through Delta's site or the comprehensive American Express travel portal. Southwest Premier cardholders book directly on Southwest's platform, where the airline's straightforward, revenue-based redemption system shines.
• A key differentiator is the path to elite perks. The Delta Reserve card accelerates the journey to Medallion Status and includes an annual Companion Certificate for certain roundtrip flights. The Southwest Premier card provides its own valuable perks, including two EarlyBird Check-Ins per year and points that contribute to earning the famous Southwest Companion Pass.

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Compare Top Rated Credit Cards with Kudos

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To make the decision easier, a financial companion tool like Kudos can help you compare nearly 3,000 credit cards to find the best fit for your spending habits.

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• Test drive credit cards before you apply by simulating your potential earnings based on your actual spending history.
• Receive detailed approval odds based on your credit report to apply with more confidence.
• Get a welcome offer guarantee, ensuring that if you find a better public offer within three months, Kudos will match it.
• Unlock a $100 Kudos Kickstart+ reward when you add select approved cards to your Kudos Wallet.
• Earn extra rewards on top of your credit card points with Kudos Boost when shopping at your favorite stores.

Who Should Choose the Southwest Rapid Rewards® Premier?

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The Southwest Rapid Rewards® Premier Credit Card is tailored for semi-frequent Southwest flyers who want to earn points and enjoy travel-related perks. It serves as a strong mid-tier option for those who value benefits like anniversary bonus points and day-of-travel perks but wish to avoid the higher annual fee of a premium card. The card is also a strategic choice for travelers working to earn A-List elite status or the coveted Companion Pass faster.

Who Should Choose the Delta SkyMiles® Reserve American Express?

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The Delta SkyMiles® Reserve American Express card is built for the loyal Delta traveler, delivering maximum value to those who fly the airline regularly for business or leisure. It is also exceptionally valuable for travelers aiming to achieve or maintain Delta Medallion status, as the card offers boosts to help them qualify for elite status faster. As detailed in this card review, airport lounge enthusiasts and those who can maximize the annual companion certificate will also find the card's benefits can easily outweigh its annual fee.

Alternatives to Consider

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If this Southwest Rapid Rewards Premier vs Delta SkyMiles Reserve comparison has you feeling like neither card is the right fit, don't worry. There are plenty of other travel rewards cards on the market that might better suit your spending habits and travel goals.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

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Before You Apply

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• Check your credit scoreMost premium travel cards require a good to excellent credit score for approval.
• Review application rulesFamiliarize yourself with issuer-specific restrictions that could affect your eligibility for a welcome offer.
• Plan for the welcome offerEnsure you can comfortably meet the minimum spending requirement for the welcome offer without overspending.

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Application Strategy

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• Know the issuer's rules, such as Chase's 5/24 rule or other card-holding limitations.
• Time your application carefully, as some issuers restrict offers if you've recently held their cards.
• Align the card with your habits to ensure you can maximize its specific benefits and rewards.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Do either of these cards offer airport lounge access?

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The Delta SkyMiles® Reserve American Express Card is known for providing complimentary access to Delta Sky Clubs and The Centurion® Lounge. The Southwest Rapid Rewards® Premier Credit Card, however, does not include airport lounge access as a primary benefit.

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How do these cards compare for earning rewards on everyday purchases?

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Both cards are primarily designed to reward spending with their respective airlines, but they also offer rewards on other categories. You'll need to compare their specific earning rates on purchases like dining or transit to see which aligns better with your personal spending habits.

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Is it easier to earn elite status or a companion pass with one card over the other?

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The Southwest Rapid Rewards® Premier Credit Card can help you earn points that count toward the coveted Companion Pass, a signature perk of the Rapid Rewards program. Similarly, the Delta SkyMiles® Reserve American Express Card offers ways to boost your progress toward Medallion Status through card spending.

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Which card is better if I'm not loyal to one airline?

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Since both of these are co-branded airline cards, their benefits are maximized when you fly frequently with that specific airline. If you don't have a preferred carrier, you might find more value in a general travel rewards card that offers greater flexibility.

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