Both are airline travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Hawaiian Airlines World Elite Mastercard from Bank of America at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
If you're not sure you'll use premium perks, start with the Hawaiian Airlines World Elite Mastercard — its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Delta SkyMiles Reserve Business American Express Card | Hawaiian Airlines World Elite Mastercard |
|---|---|---|
| Annual fee | $650 | $99 |
| Sign-up bonus | 100,000 miles | 70,000 miles |
| Bonus value (est.) | $1,200 | $980 |
| Min spend to unlock bonus | $8,000 in 6 mo | $2,000 in 3 mo |
| Issuer | American Express | Bank of America |
| Card category | airline | airline |
| Best earning category (Delta) | 3x | 1x |
| Transfer partners | skymiles | hawaiian-miles |
| Headline benefits |
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Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.
Niche card unless you fly Hawaii regularly. Note: Hawaiian + Alaska have merged loyalty into Atmos Rewards in 2025; the long-term direction of this card is in transition. Worth tracking if you're Hawaii-bound multiple times a year.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.
