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Delta SkyMiles® Gold American Express Card vs Ink Business Cash® Credit Card
This comparison aims to assist users in deciding between the Delta SkyMiles® Gold American Express Card and the Ink Business Cash® Credit Card. Each card offers unique features tailored to different spending habits and financial goals.
Card Overviews
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is designed for frequent Delta Airlines travelers. With a focus on earning miles for air travel and exclusive benefits, this card targets those who prioritize airline rewards and travel perks.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is ideal for business owners looking to earn cash back on everyday expenses. With a robust rewards structure for office supplies and business-related services, this card caters to individuals who frequently incur business expenses.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Gold American Express Card | Ink Business Cash® Credit Card |
|---|---|---|
| Annual Fee | $0 introductory annual fee for the first year, then $150 | No Annual Fee |
| Welcome Bonus | Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases in the first 6 months | Earn $350 after spending $3,000 in the first three months, plus $400 after $6,000 in the first six months |
| Rewards Structure | Earn 2X Miles on Delta purchases, U.S. supermarkets, and restaurants; 1X Mile on other purchases | Earn 5% cash back on the first $25,000 at office supply stores and on internet, cable, and phone services; 2% at gas stations and restaurants; 1% on all other purchases |
| Foreign Transaction Fee | No Foreign Transaction Fees | No Foreign Transaction Fees |
| Other Fees | N/A | N/A |
| Additional Benefits | Free first checked bag, 15% off award travel, priority boarding, Delta flight credits, and more | Zero Liability protection, rewards redeemable for cash back, gift cards, and 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:
- Generous welcome bonus for new cardholders
- Numerous travel-related benefits, including free checked bags and priority boarding
- No foreign transaction fees
- Cons:
- Annual fee after the first year
- Rewards are primarily beneficial for Delta travelers
Ink Business Cash® Credit Card
- Pros:
- No annual fee
- High cash back rates on office supplies and business services
- Flexible rewards redemption options through Chase Ultimate Rewards®
- Cons:
- Limited to business expenses for maximizing rewards
- Welcome bonus requires higher spending compared to some personal cards
Who Should Consider Which Card?
- Delta SkyMiles® Gold American Express Card: Ideal for frequent Delta Airlines travelers who can take advantage of the airline's rewards system and enjoy travel-related perks.
- Ink Business Cash® Credit Card: Best suited for small business owners looking to maximize cash back on everyday business expenses, especially in the office supply and service sectors.
Conclusion
Choosing between the Delta SkyMiles® Gold American Express Card and the Ink Business Cash® Credit Card ultimately depends on your individual spending habits and financial goals. Consider your travel preferences and business expenses to determine which card aligns best with your lifestyle.