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 (8.3/10 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 | 6 |
| Features | 9 | 9 |
| Annual Fee | $650 | $0 |
| Foreign Transaction Fee | None | None |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 21.24% - 29.24% variable | — |
| Late Fee | — | None (account suspension instead) |
| Additional User Fee | — | $0 |
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
Ramp Card in one paragraph
Ramp is the gold standard for cash-rich businesses that want to trade 'points' for pure automation and a solid 1.5% return.
Skip it if: You need to carry a monthly balance or have less than $75,000 in your business bank account.
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 (8.3/10 vs 7.2/10). Ramp is the gold standard for cash-rich businesses that want to trade 'points' for pure automation and a solid 1.5% return.
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.
Who should skip Ramp Card?
You need to carry a monthly balance or have less than $75,000 in your business bank account.