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Delta SkyMiles® Reserve American Express Card vs Ink Business Premier® Credit Card
This comparison aims to help potential cardholders decide between the Delta SkyMiles® Reserve American Express Card and the Ink Business Premier® Credit Card. Both cards offer unique features tailored to different financial needs and spending habits.
Card Overviews
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles® Reserve American Express Card is designed for frequent Delta travelers, offering exclusive perks such as access to Delta Sky Club lounges, bonus miles on Delta purchases, and travel-related benefits. This card caters to individuals who prioritize travel rewards and luxury experiences.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is tailored for business owners looking to earn cash back on their expenses. This card offers significant rewards on large purchases and provides valuable business benefits, making it ideal for entrepreneurs and small business owners.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Reserve American Express Card | Ink Business Premier® Credit Card |
|---|---|---|
| Annual Fee | $650 | $195 |
| Welcome Bonus | 70,000 Bonus Miles after spending $5,000 in first 6 months | $1,000 bonus cash back after spending $10,000 in first 3 months |
| Rewards Structure | 3X Miles on Delta purchases, 1X Miles on all other purchases | Unlimited 2.5% cash back on purchases of $5,000 or more, 2% cash back on all other business purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | Delta Sky Club access, Companion Certificate, Resy and Rideshare credits | Flex for Business, Purchase Protection, Employee cards at no extra cost |
Rewards Highlights
Ink Business Premier® Credit Card Rewards
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Delta SkyMiles® Reserve American Express Card Rewards
- Earn 3X Miles on Delta purchases.
- Earn 1X Miles on all other eligible purchases.
Pros and Cons
Delta SkyMiles® Reserve American Express Card Pros and Cons
Pros
- Generous welcome bonus of 70,000 miles.
- Access to Delta Sky Club lounges and other travel perks.
- Priority for upgrades on Delta flights.
- Multiple monthly statement credits for dining and rideshare services.
Cons
- High annual fee of $650.
- Rewards primarily benefit frequent Delta flyers.
Ink Business Premier® Credit Card Pros and Cons
Pros
- Lower annual fee of $195.
- High cash back rewards on large purchases.
- Flexibility for business expenses with the Pay In Full feature.
- No foreign transaction fees.
Cons
- Less travel-focused benefits compared to the Delta card.
- Higher spending requirement for the bonus cash back.
Who Should Consider Which Card?
The Delta SkyMiles® Reserve American Express Card is ideal for travelers who frequently fly with Delta and are looking for luxurious travel benefits, including lounge access and bonus miles on Delta purchases.
The Ink Business Premier® Credit Card is better suited for business owners who want to maximize cash back on their expenses, especially larger purchases, and prefer flexibility in managing their business spending.
Conclusion
When deciding between the two cards, consider your individual needs and spending patterns. If you travel frequently with Delta and value travel perks, the Delta SkyMiles® Reserve American Express Card may be the right choice. Conversely, if you are a business owner looking for cash back rewards and flexibility, the Ink Business Premier® Credit Card could better align with your financial goals.