Delta SkyMiles Reserve Business American Express Card vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Delta SkyMiles Reserve Business American Express Card and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: The Plum Card from American Express wins on our scorecard (7.3/10 vs 7.2/10).
| Scored on | Delta SkyMiles Reserve Business American Express Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 5 | 7 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $650 | $250 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 29.24% (Variable) | — |
| Late Payment Fee | Up to $40 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, Delta SkyMiles Reserve Business American Express Card or The Plum Card from American Express?
On our five-axis scorecard, The Plum Card from American Express scores higher (7.3/10 vs 7.2/10). The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
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 The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.