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Delta SkyMiles Reserve Business American Express Card vs Atmos Rewards Visa Signature Business Card

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Atmos Rewards Visa Signature Business Card from Bank of America at $70/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Atmos Rewards Visa Signature Business Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureDelta SkyMiles Reserve Business American Express CardAtmos Rewards Visa Signature Business Card
Annual fee$650$70
Sign-up bonus80,000 miles70,000 points + $99 Companion Fare
Bonus value (est.)$904$1,120
Min spend to unlock bonus$12,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressBank of America
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
    Read the full review
    Delta SkyMiles Reserve Business American Express Card
    $650/yr · 80,000 miles
    Read the full review
    Atmos Rewards Visa Signature Business Card
    $70/yr · 70,000 points + $99 Companion Fare

    Editorial take: Delta SkyMiles Reserve Business American Express Card

    Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

    Editorial take: Atmos Rewards Visa Signature Business Card

    Common questions

    Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Atmos Rewards Visa Signature Business Card?
    The Atmos Rewards Visa Signature Business Card has the bigger bonus, 70,000 points + $99 Companion Fare, worth roughly $1,120, versus 80,000 miles (~$904) on the Delta SkyMiles Reserve Business American Express Card.
    Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Atmos Rewards Visa Signature Business Card?
    Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The Atmos Rewards Visa Signature Business Card at $70/yr trades some perks for a lower commitment.
    Can I have both the Delta SkyMiles Reserve Business American Express Card and Atmos Rewards Visa Signature Business Card?
    Yes, since they're from different issuers (American Express and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Delta SkyMiles Reserve Business American Express Card or the Atmos Rewards Visa Signature Business Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $12,000 spend in 6 months. Atmos Rewards Visa Signature Business Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.