Brex Card vs Delta SkyMiles Reserve Business American Express Card: which one fits your business?
Side-by-side comparison of Brex 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: Brex Card wins on our scorecard (7.3/10 vs 7.2/10).
| Scored on | Brex Card | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 6 | 8 |
| Fees & pricing | 9 | 5 |
| Customer support | 5 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 | $650 |
| Foreign Transaction Fee | 0% | $0 |
| Late Payment Fee | Varies by bank partner | Up to $40 |
| Additional Card Fee | $0 | — |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
Brex Card in one paragraph
Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Skip it if: You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
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, Brex Card or Delta SkyMiles Reserve Business American Express Card?
On our five-axis scorecard, Brex Card scores higher (7.3/10 vs 7.2/10). Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Who should skip Brex Card?
You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
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.