Delta SkyMiles® Reserve Business American Express Card is designed for loyal Delta Air Lines flyers who want premium Delta travel perks, like complimentary access to The Centurion® Lounge and Delta Sky Club®. The ultimate Delta travel experience that you can get from this card justifies its high annual fee of $550—plus, you can earn unlimited miles that don’t expire and enjoy zero foreign transaction fees. However, it doesn’t allow balance transfers.
To see how this card stacks up against others we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison.
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
- Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 15 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. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Enjoy 3x miles per dollar on Delta purchases.
- With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
- Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 15 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. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Enjoy 3x miles per dollar on Delta purchases.
- With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
When grading a travel rewards business credit card like the Delta SkyMiles® Reserve Business American Express Card, we first consider ongoing rewards, introductory rewards, and additional card features. We also take into account the card’s annual fee and annual percentage rates (APRs).
| Grading Criteria | ||
|---|---|---|
Ongoing Rewards | ||
Introductory Rewards | ||
Additional Features | ||
Annual Fee | 3 | 10 |
Introductory APR | ||
Ongoing APR | ||
| Total Score |
Who Delta SkyMiles® Reserve Business American Express Card Is Best For
- Those who primarily fly with Delta Air Lines: You can enjoy premium travel perks, such as free check-in baggage and complimentary access to airport lounges, when you use this card to book a flight with Delta.
- Those who can spend $150,000 in purchases annually: After you spend $150,000 on your card in a calendar year, you’ll earn 1.5x miles per dollar, which is an extra half-mile per dollar, on eligible purchases for the rest of the year.
- Those who don’t need to use the card for balance transfers: It doesn’t allow balance transfers, which may not be an issue if you don’t plan to transfer a balance from another credit card.
If this isn’t what you’re looking for, head over to our recommended alternatives for other options.
Delta SkyMiles® Reserve Business American Express Card Rewards
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
- 3x miles on every dollar spent on eligible purchases made directly with Delta
- 1.5x miles per dollar on eligible purchases for the rest of the calendar year after you spend $150,000 on your card within the same calendar year
- 1x mile on every eligible dollar spent on other purchases
- 15,000 Medallion Qualification Miles *MQMs are used to determine Medallion Status and differ from the miles you earn toward flights. (MQMs) with Status Boost® after spending $30,000 in purchases within a calendar year, up to four times per year
- Companion certificate for Domestic First Class, Delta Comfort+®, or Main Cabin round-trip each year upon card renewal
You can use miles toward flights, seat upgrades, car rentals, merchandise, and gift cards. You can redeem your miles by booking travel for Delta-operated and ticketed flights through the Delta SkyMiles online portal. You can opt to pay the remaining balance with your American Express business credit card if your miles aren’t enough.
You can also use your miles on the Delta SkyMiles program, where you can redeem miles for flights to more than 1,000 destinations worldwide. Aside from Delta Air Lines, you can redeem your miles through its partners, such as Air France, KLM, China Eastern, and Korean Air.
Delta SkyMiles® Reserve Business American Express Card Features
Travel
- Delta Sky Club®Access: It offers complimentary Delta Sky Club® access to cardholders and a reduced rate of $50 per person for up to two guests. To access the airport lounge, you must have a same-day boarding pass for a Delta Air Lines flight and a boarding pass in your name. You’ll also receive two Delta Sky Club® one-time guest passes each year upon account renewal.
- Main Cabin 1 priority boarding and first free checked bag: Cardholders can enjoy early boarding on Delta flights when Main Cabin 1 priority boarding is called. On top of this, you can check your first bag for free and save up to $60 on a round-trip Delta flight.
- Global Entry or TSA PreCheck® Fee Credit: You’ll receive a statement credit of up to $100 for a five-year membership every four years for Global Entry or up to $85 every 4.5 years for TSA PreCheck®.
- TakeOff 15: Save 15% when you use your earned miles to book Award Travel on Delta flights through delta.com or the Fly Delta App. Note that discounts are not applicable to partner-operated flights or to taxes and fees.
- Discount on inflight purchases: Receive 20% savings in statement credit on eligible pre-purchased meals and in-flight purchases on Delta-operated flights. Note that this will appear eight to 12 weeks after the transaction is posted on your account.
Cash Management
- QuickBooks integration: You can save time with auto-expense categorization in QuickBooks after enrolling your card.
- Year-end summary: At the start of every year, you’ll have access to a Year-End Summary of charges to review your annual spending.
- Account manager: You can assign a trusted team member who can oversee your card account to free up time. Account Managers handle tasks such as making payments, reviewing transactions, and adding employee cards, giving you the time to focus on other priorities.
- Relationship Care® Service: Call the number found on the back of your card when you have questions or concerns about your card.
- Employee cards: You can add up to 99 total employee cards to your account.
Protection Coverage
- Trip delay insurance: You’ll be reimbursed for certain additional expenses purchased on your card―up to $500 per trip―if your trip is delayed for more than 6 hours. To be eligible, a round trip should be paid for entirely using your American Express credit card. This insurance only covers a maximum of two claims per cardholder within a 12-consecutive-month period.
- Trip cancellation and interruption insurance: This allows you to reimburse the nonrefundable travel expenses purchased using your American Express credit card if a round-trip is paid for entirely with your card and your trip is interrupted or canceled. Coverage is limited to $10,000 per trip and $20,000 per cardholder per 12-consecutive-month period.
- Baggage insurance plan: A baggage insurance plan offers coverage of up to $500 for lost checked bags and up to $1,250 for lost carry-on bags.
- Collision rental loss and damage insurance: Using the card to reserve and pay for the entire rental, as well as declining the collision damage waiver of the rental company, will cover you for damage or theft of a rental vehicle in a covered territory. Note that terms and restrictions will apply.
- Purchase protection: Items purchased using this card are covered if they’re stolen or damaged within 90 days from the purchase date. Purchase protection covers up to $10,000 per incident and up to $50,000 per cardholder each year.
- Extended warranty: American Express will extend the warranty for one additional year on purchased items with warranties of five years or less.
- Cellphone protection: You can be reimbursed for the costs to repair or replace your damaged or stolen cellphone for a maximum of $800 per claim, with a limit of two approved claims per 12-month period, To be eligible, your cellphone line should be listed on a wireless bill, and the prior month’s wireless bill should have been paid with your American Express credit card.
- Dispute resolution: American Express will work to resolve the fraudulent or incorrect charges found on your statement.
Delta SkyMiles® Reserve Business American Express Card Fees
APR
- Introductory: None
- Ongoing: 20.99% to 29.99% variable, which adjusts with the prime rate
- Cash advance: 29.99% variable, which adjusts with the prime rate
- Penalty: 29.99% variable, which adjusts with the prime rate; will be applied to your account if you meet at least one of the following conditions:
- Made two or more late payments within a 12-month period
- Didn’t pay the minimum payment due by the closing date of the billing period
- Made a returned payment
The Penalty APR will be applied for a minimum of 12 consecutive billing periods and will continue to apply until after you made timely payments with no returned payments for 12 consecutive billing periods.
Fees
- Annual: $550
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance: Either $5 or 3% of the amount of each cash advance, whichever is higher
- Late payment: Up to $39
- Overlimit: None
- Returned payment: $39
Your due date is at least 25 days after the close of each billing cycle.
- Online or mobile banking: You can pay your credit card bills from either the Amex website or its mobile app.
- Phone: Call (800) 472-9297, state your card information when prompted, and then follow the prompts.
- AutoPay: Log in to your online account and click “Payments,” located in the blue navigation bar, then choose “Manage AutoPay.”
- Mail: You can send your credit card bills via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference.
First Class Mail
American Express
PO Box 650448
Dallas, TX 75265-0448
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
When To Consider Delta SkyMiles® Reserve Business American Express Card Alternatives
You Want to Earn Premium Rewards Beyond Airline Purchases
Delta SkyMiles® Reserve Business American Express Card only offers premium rewards on purchases made in Delta Air Lines and 1x miles per dollar on purchases made on other purchases. If you travel frequently and want to earn premium rewards when booking hotels and rental cars, our recommendation is the Capital One® Spark® Miles for Business.
Capital One® Spark® Miles for Business
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
26.24% variable
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- With sign-up bonus
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
N/A
Regular APR
26.24% variable
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- With sign-up bonus
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Offers 5x unlimited reward miles on hotels and rental cars through Capital One Travel, unlimited 2x miles on any business purchase, and up to $100 credit for Global Entry or TSA PreCheck®
- Allows you to get two free visits to a Capital One airport lounge each year
- Charges an annual fee of $95, waived for the first year
It is our top-recommended business credit card for miles and one of our best business credit cards for travel.
You Seek a Low Annual Fee
Delta SkyMiles® Reserve Business American Express Card charges an annual fee of $550. If you exclusively fly with Delta Air Lines and want almost the same rewards but with a lower annual fee, consider the Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per Calendar year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per Calendar year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
- Charges an annual fee of $250
- Does not have a 0% introductory APR on purchases and balance transfers
- Lets you earn 3x miles per dollar spent on eligible purchases made either directly with Delta or with hotels; 1.5x miles on single eligible purchases of $5,000 or more, and 1x mile on all other purchases
It is one of our leading business credit cards for travel and best business credit cards with airport lounge access given its great rewards and features.
You Want a 0% Introductory APR & Fixed-rate Cash Back Rewards on All Purchases
Note that Delta SkyMiles® Reserve Business American Express Card only lets you use your earned miles on flights, seat upgrades, car rentals, merchandise, and gift cards. It also does not offer a 0% introductory APR. If you want a fixed-rate cash back rewards card with 0% introductory APR, the Bank of America® Business Advantage Travel Rewards World Mastercard® is a good option.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Lets you earn 3x points for every dollar spent when you book a rental car, hotel stay, or airfare through the Bank of America® Travel Center, and unlimited 1.5x points on all purchases
- Offers a 0% introductory APR on purchases for the first nine billing cycles
- Has no annual and foreign transaction fees
Its rewards, 0% introductory APR, and lack of annual and foreign transaction fees are why it landed a spot on our lists of the best business credit cards with no foreign transaction fee and top business credit cards for travel.
For additional recommendations, see our roundups of the best American Express business credit cards and leading small business credit cards.
Frequently Asked Questions (FAQs)
Cash back cards are more straightforward as you earn a portion of your spending as a rebate, and rewards can be redeemed either as a statement credit or check. Meanwhile, points can be redeemed for travel, while miles can be redeemed with an airline’s flyer program or a hotel’s loyalty program.
Call American Express at (877) 671-6758 or apply online. You’ll also need to provide the following information:
- Company’s legal name, structure, such as limited liability company (LLC), corporation, or partnership, address, phone number, and email address
- Federal tax ID number (TIN) or Social Security number (if you’re a sole proprietor)
- Type of industry your business is engaged in
- Number of years your company has been in the business
- Number of employees
- Annual business revenue
- Name you’d like to appear on the card
Bottom Line
Delta SkyMiles® Reserve Business American Express Card is an excellent choice for business owners who are Delta Air Lines frequent flyers and want to enjoy premium travel perks. Keep in mind that it comes with a high annual fee of $550 and doesn’t allow balance transfer transactions.
