BILL Divvy Card vs Delta SkyMiles Reserve Business American Express Card: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Delta SkyMiles Reserve Business American Express Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: BILL Divvy Card wins on our scorecard (8/10 vs 7.2/10).
| Scored on | BILL Divvy Card | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 5 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $0 | $650 |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | Up to $40 |
| Foreign Transaction Fee | 0% - 1% | $0 |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
BILL Divvy Card in one paragraph
A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Skip it if: You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.
Delta SkyMiles Reserve Business American Express Card in one paragraph
A high-priced status engine that makes sense only for Delta-dependent owners spending over $60k annually.
Skip it if: Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.
Read the full Delta SkyMiles Reserve Business American Express Card review
Frequently asked questions
Which is better, BILL Divvy Card or Delta SkyMiles Reserve Business American Express Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8/10 vs 7.2/10). A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Who should skip BILL Divvy Card?
You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.
Who should skip Delta SkyMiles Reserve Business American Express Card?
Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.