Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $650
- Purchase APR
- APR range: 19.49% - 28.49%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- Check issuer terms
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Up to $39
- Grace period
- Check issuer terms
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/1/2026
Key benefits
- Companion-travel perks may apply
- Priority boarding may be available
- Business spending features
Rewards breakdown
Wafacard summary: this business spending card shows miles earning from 1x-3x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.
Intro offer: Intro value may include 80,000 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include companion-travel perks may apply, priority boarding may be available, business spending features. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- American Express
- Review status
- Terms reviewed 6/30/2026
Is Delta SkyMiles® Reserve Business American Express Card worth it?
The Delta SkyMiles® Reserve Business American Express Card is a premium business card from American Express with a $650 annual fee, so it needs to earn its keep through rewards and benefits. It lists 1x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro value may include 80,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 19.49% - 28.49%. Confirm current terms on American Express's site before applying.
