I'm not sure I follow your question. Just because someone is using a Ritz or Delta Reserve card doesn't mean it is a business card, though several of those cards have a business version
If the card account bears the businesses name, then the business would in all likelihood pay the annual fee as a business expense, and if it is a personal account then if the cardholder also owns a business and uses the card primarily for business, they could expense the personal card annual fee to the business as well. The CC issuer doesn't care who pays the bill, as long as it is paid.
I have a couple of personal cards with an annual fee; expensive cards, if you will. I use mine 90% for personal payments, and maybe 10% for reimbursable business expenses .
Freedom is never more than one generation away from extinction. We didn't pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.