Delta SkyMiles Reserve Business American Express Card vs Ramp Card: which one fits your business?
Side-by-side comparison of Delta SkyMiles Reserve Business American Express Card and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 7.2/10).
| Scored on | Delta SkyMiles Reserve Business American Express Card | Ramp Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 5 | 10 |
| Customer support | 7 | 7 |
| Features | 9 | 9 |
| Annual Fee | $650 | $0 |
| Foreign Transaction Fee | $0 | None |
| Purchase APR | 21.24% - 29.24% (Variable) | — |
| Late Payment Fee | Up to $40 | Varies by contract |
| Additional Employee Cards | — | $0 |
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
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, Delta SkyMiles Reserve Business American Express Card or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7.2/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
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.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.