CitiBusiness / AAdvantage Platinum Select Mastercard vs Delta SkyMiles Reserve Business American Express Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard 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: Delta SkyMiles Reserve Business American Express Card wins on our scorecard (7.2/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 5 |
| Customer support | 5 | 7 |
| Features | 7 | 9 |
| Annual Fee | $99 (waived first year) | $650 |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 29.24% (Variable) | 21.24% - 29.24% (Variable) |
| Employee Cards | $0 | — |
| Late Payment Fee | — | Up to $40 |
CitiBusiness / AAdvantage Platinum Select Mastercard in one paragraph
A solid, cost-effective tool for AA-loyal small businesses that pays for itself through waived bag fees and a low annual cost.
Skip it if: Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.
Read the full CitiBusiness / AAdvantage Platinum Select Mastercard review
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, CitiBusiness / AAdvantage Platinum Select Mastercard or Delta SkyMiles Reserve Business American Express Card?
On our five-axis scorecard, Delta SkyMiles Reserve Business American Express Card scores higher (7.2/10 vs 7.1/10). A high-priced status engine that makes sense only for Delta-dependent owners spending over $60k annually.
Who should skip CitiBusiness / AAdvantage Platinum Select Mastercard?
Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.
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.