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Delta SkyMiles® Gold American Express Card vs Ink Business Preferred® Credit Card
This comparison aims to help users decide between the Delta SkyMiles® Gold American Express Card and the Ink Business Preferred® Credit Card. Both cards offer unique benefits that cater to different spending habits and travel preferences.
Card Overviews
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is designed for frequent Delta travelers who want to earn miles for their flights and enjoy travel perks such as free checked bags and priority boarding.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is tailored for business owners who want to maximize rewards on travel and business-related purchases, offering generous bonus points and flexible redemption options.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Gold American Express Card | Ink Business Preferred® Credit Card |
|---|---|---|
| Annual Fee | $0 introductory annual fee for the first year, then $150 | $95 |
| Welcome Bonus | 50,000 Bonus Miles after spending $2,000 in first 6 months | 90,000 bonus points after spending $8,000 in first 3 months |
| Rewards Structure | 2X Miles on Delta purchases, U.S. supermarkets, restaurants; 1X Mile on other purchases | 3 points per $1 on first $150,000 spent on travel and select business categories; 1 point on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $200 Delta Flight Credit after spending $10,000 in a calendar year | Purchase Protection for new purchases for 120 days against damage or theft |
| Additional Benefits | Free first checked bag, Zone 5 Priority Boarding, discounts on in-flight purchases | Points worth 25% more when redeemed for travel through Chase Travel℠ |
Rewards Highlights
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases.
Pros and Cons
Delta SkyMiles® Gold American Express Card
- Pros:
- Great for Delta frequent flyers with travel perks
- Generous welcome bonus
- No foreign transaction fees
- Free first checked bag
- Cons:
- High annual fee after the introductory period
- Limited to Delta for maximizing rewards
Ink Business Preferred® Credit Card
- Pros:
- High bonus points for business-related spending
- Flexible redemption options for points
- No foreign transaction fees
- Purchase Protection for new purchases
- Cons:
- Annual fee applies from the start
- Higher spending requirement for welcome bonus
Who Should Consider Which Card?
The Delta SkyMiles® Gold American Express Card is ideal for travelers who frequently fly with Delta and want to earn miles for their trips while enjoying additional travel benefits. In contrast, the Ink Business Preferred® Credit Card is better suited for business owners looking to earn substantial rewards on business-related expenditures and who prioritize flexibility in redeeming their points.
Conclusion
Ultimately, the choice between the Delta SkyMiles® Gold American Express Card and the Ink Business Preferred® Credit Card will depend on your individual spending habits and travel preferences. Consider what benefits align best with your lifestyle to make the most informed decision.