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 (8.1/10 vs 7.2/10).
| Scored on | BILL Divvy Card | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 5 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $0 | $650 |
| Per-User Fee | $0 | — |
| Foreign Transaction Fee | None | None |
| Late Payment Fee | 2.99% or $38 | Up to $40 |
| Purchase APR | — | 21.24% - 29.24% variable |
BILL Divvy Card in one paragraph
A powerful, $0-fee expense management tool that trades your cash-flow float for automated bookkeeping and high category rewards.
Skip it if: You need a 30-day payment cushion to manage cash flow and aren't willing to pay your balance weekly.
Delta SkyMiles Reserve Business American Express Card in one paragraph
The ultimate status-booster for Delta-devoted business owners who prioritize airport luxury over raw cashback.
Skip it if: You don't live near a Delta hub or you spend less than $50,000 annually on your business card.
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 (8.1/10 vs 7.2/10). A powerful, $0-fee expense management tool that trades your cash-flow float for automated bookkeeping and high category rewards.
Who should skip BILL Divvy Card?
You need a 30-day payment cushion to manage cash flow and aren't willing to pay your balance weekly.
Who should skip Delta SkyMiles Reserve Business American Express Card?
You don't live near a Delta hub or you spend less than $50,000 annually on your business card.