Delta SkyMiles® Reserve American Express Card vs Chime Card (Secured Visa Credit Card): fees, rewards and APR compared - DebitCue Skip to content
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Delta SkyMiles® Reserve American Express Card vs Chime Card (Secured Visa Credit Card)

Compare Delta SkyMiles® Reserve American Express Card and Chime Card (Secured Visa Credit Card) side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Delta SkyMiles® Reserve American Express Card versus Chime Card (Secured Visa Credit Card) compared by attribute
Feature Delta SkyMiles® Reserve American Express Card Chime Card (Secured Visa Credit Card)
Card fee $650 USD/yr No fee
Purchase APR (from) 19.49% -
Interest-free period - -
Foreign transaction fee 0% 0%
Rewards 3x miles on Delta purchases; 1x on all other purchases Cash back on a chosen spending category (groceries, gas, restaurants, travel, monthly bills, or rideshare). Rates are tier-dependent: 0% on standard Chime membership; 2% (up to $30/month cap) on Chime Plus ($400+/month qualifying direct deposit); 5% (up to $75/month cap, on up to $1,500 eligible monthly purchases) on Chime Prime ($3,000+/month qualifying direct deposit). Category can be changed once per month.
Installments - -
No card fee -
No foreign transaction fee
Welcome bonus -
Airport lounge access
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Delta SkyMiles® Reserve American Express Card if its checked rows above line up with how you spend most.
  • Choose the Chime Card (Secured Visa Credit Card) if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Delta SkyMiles® Reserve American Express Card Full review Chime Card (Secured Visa Credit Card)

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