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All comparisons
Head-to-head, 2026

American Express Business Platinum American Express Delta SkyMiles Reserve Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Delta SkyMiles Reserve Business

American Express

Business Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$20,000 / 3mo

Top earning rates

  • 5×Vacation rentals · Membership Rewards
  • 5×Hotels · Membership Rewards
  • 5×Flights · Membership Rewards
  • 2×All other purchases · Membership Rewards

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Amex Travel Online Flight Credit (Spend Tier) · $1200
  • Additional Dell Technologies Credit (Spend Tier) · $1000
  • $300 ChatGPT Business Credit · $300
  • $600 Hotel Credit · $300
Full American Express Business Platinum review

American Express

Delta SkyMiles Reserve Business

Annual fee
$650
Network
amex
Welcome value
$2,400
Min spend
$20,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 1.5×All other purchases · Delta SkyMiles
  • 1.5×Office supplies · Delta SkyMiles
  • 1×All other purchases · Delta SkyMiles

Key benefits

  • Companion Certificate · $350
  • $250 Delta Stays Credit · $250
  • First Checked Bag Free · $140
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $240 Resy Credit · $20
Full American Express Delta SkyMiles Reserve Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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