Compare the Features and Benefits of The Business Platinum Card® from American Express and
Delta SkyMiles® Reserve Business American Express Credit Card

The Amex Business Platinum is the one of the most expensive travel rewards cards on the market today. However, while its annual fee might be a bit on the higher side, the perks that come along with it are second to none, both from the business perspective as well as the travel angle.

For small business owners that hit the road (or skies) regularly, there really isn’t another card quite like this one.

On the travel perks side of things, the Amex Business Platinum has a laundry list of embedded extras from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection. (See the key features and benefits above.)

However, this is a business card, after all, and where this card shines is in its statement credits. If you have business expenses that are with specific merchants, such as Indeed, Dell, and Adobe, the Business Platinum can tangibly help cut reduce costs. In addition, card holders get an extra half point per dollar (1.5X) on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, and purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. While a 1.5X bonus isn’t huge, it’s helpful that this spans a wide variety of business categories (and is capped at $2 million).

The Amex Business Platinum isn’t a card for everyone — that’s for sure. But for high-spending business owners who travel often (either for business or pleasure), this just might be the card for you.

Rates and fees for The Business Platinum Card® from American Express

Business owners who want to separate their personal and business expenses and maximize thousands of dollars in spend have no shortage of business cards to choose from. For frequent Delta flyers, the Delta Reserve Business American Express Card is among the most rewarding options out there once you can overlook the steep $650 annual fee.

Racking up Delta SkyMiles for award flights can be done effortlessly with the Delta SkyMiles Reserve Business American Express Card. You’ll earn 3x bonus miles on eligible Delta purchases.

But the kicker is that you’ll start to earn a higher mileage accelerator once you spend $150,000 on the card annually — that’s when you’ll start to earn 1.5x miles on all eligible purchases. You’ll also earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases. (If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.) Earn 1x miles per dollar spent on all other eligible non-bonus purchases.

Delta SkyMiles Reserve Business cardholders can save 15% when redeeming SkyMiles for all award flights operated by Delta, which can add up significantly the more you book Delta award flights.

And there are a number of Delta-related benefits that extend to you and up to eight companions on the same reservation such as your first checked bag free and Main Cabin 1 priority boarding.

While you won’t get any free guest access, you can bring up to two guests for a $50 charge per person, or redeem one of your four guest passes you’ll get as a Delta Business Reserve cardholder every year.

Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Other ways to recoup the $650 annual fee include the annual companion certificate, which allows you to get a ‘buy one, get one’ ticket for just the cost of government imposed taxes and fees (less than $80). This award is valid for domestic, Caribbean, or Central American roundtrip flights in nearly any of Delta’s classes of service, including for domestic First or Business Class (only Delta One is excluded).

The card features a Global Entry/TSA PreCheck application statement credit and ample trip and purchase protections that will help elevate your business travels.

And you’ll also receive up to $610 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $250 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

Don’t forget the opportunity to earn MQDs!

Earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card and receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year.

The Delta Reserve Business American Express card is a solid choice for business owners who are able to reap all the excellent benefits, but note that it may take significant card spend for you to justify the $650 annual fee year after year.

Rates and Fees for the Delta SkyMiles® Reserve Business American Express Credit Card