I was recently approved for this card's business version. A lot of people have concern with the annual fee, but if you're using your credit card as a tool, it actually makes a lot of economic sense. It costs $450 for an annual membership in Delta's Skyclub, and you get this for free with the card. There are no foreign transactions fees which is awesome for international travelers. The biggest bonus of all, especially with the revenue-based loyalty programs, is the ability to earn Delta status levels through spend. It's a lot easier to make status by spending these days than flying. The other great thing about being a part of the OPEN platform is access to the Receipt Match app which helps track your business expenses for tax purposes. The personal version of this card does not have this added feature. (Remember if you apply for a business card, this doesn't go on your personal credit report, it goes on your business credit report.) Lastly, in the old comments people were asking about what scores you need to get approved. I have no real clue, but will say at the time of my application, my FICO score was in the mid-650s. My card utilization was close to 56%. However, before applying, I paid off every single credit card debt but at the time of approval, this hadn't been reported to the credit bureaus and I still was approved. The other part is, I've been a customer of AMEX since 2007, almost never carrying a balance but always having monthly spend. AMEX takes a lot of things in consideration. If you're a new customer of AMEX, you'll probably need a slightly higher FICO score, as I hear the average approval is in the low to mid-700s. If you're using a credit card use it as a tool. Remember, you only lose when you carry a balance.