Amex Business Platinum vs Amex Delta SkyMiles Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Amex Business Platinum wins 5-1. US-incorporated startups with $50K+/year corporate spend. Amex Delta SkyMiles Reserve is still the right call if delta loyalists who will use the lounge and status perks..
Side-by-side
| Criterion | Amex Business Platinum | Amex Delta SkyMiles Reserve |
|---|---|---|
| Annual fee | · $695 | $650 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | 150,000 Membership Rewards points after $20,000 spend in 3 months | · N/A |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = Not verified |
| Min credit score | 720 | · N/A |
| Editorial rating | 4.5/5 | · 4.1/5 |
Benefits compared
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 2x on up to $2,000,000/yr across US construction + hardware, US electronics + software/cloud, US shipping, and purchases of $5,000+ (shipping limited to named providers from 17 Feb 2027)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
Amex Delta SkyMiles Reserve
- 3x miles on Delta purchases
- 1x miles on everything else
- No foreign transaction fees
FAQ
›Amex Business Platinum vs Amex Delta SkyMiles Reserve: which is better?
Amex Business Platinum wins on more dimensions (5 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum for its best categories, Amex Delta SkyMiles Reserve for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Amex Delta SkyMiles Reserve doesn't list a welcome bonus.