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Delta SkyMiles® Gold American Express Card vs Ink Business Unlimited® Credit Card
This comparison aims to help potential cardholders decide between the Delta SkyMiles® Gold American Express Card and the Ink Business Unlimited® Credit Card. Each card has unique features tailored to different audiences, making it essential to understand their benefits and limitations.
Card Overviews
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is designed for frequent Delta Airlines travelers, offering miles on purchases, travel discounts, and various travel-related benefits. With an introductory annual fee, this card appeals to those who want to maximize their travel rewards and enjoy exclusive perks when flying with Delta.
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card caters to business owners, providing unlimited cash back on every purchase without an annual fee. Its straightforward rewards structure makes it attractive for businesses looking to earn rewards efficiently while managing expenses.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Gold American Express Card | Ink Business Unlimited® 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 spending $2,000 in the first 6 months | Earn $750 bonus cash back after spending $6,000 in the first 3 months |
| Rewards Structure | Earn 2X Miles on Delta purchases, U.S. supermarkets, and restaurants; 1X on other purchases | Earn unlimited 1.5% cash back on every purchase |
| Foreign Transaction Fee | No Foreign Transaction Fees | No Foreign Transaction Fees |
| Other Fees | Various fees may apply | Various fees may apply |
| Additional Benefits | Free first checked bag, 15% off Delta award travel, priority boarding, and more | Employee cards at no extra cost, zero liability for unauthorized charges, and more |
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.
- Various travel-related perks, including free checked bags and priority boarding.
- No foreign transaction fees.
- Cons:
- Annual fee after the first year may deter some users.
- Best suited for frequent Delta flyers.
Ink Business Unlimited® Credit Card
- Pros:
- No annual fee.
- Unlimited cash back on all purchases.
- Flexible redemption options through Chase Ultimate Rewards®.
- Cons:
- Lower rewards rate compared to some travel-specific cards.
- Welcome bonus requires significant spending within the initial months.
Who Should Consider Which Card?
- The Delta SkyMiles® Gold American Express Card is ideal for frequent Delta Airlines travelers who value airline-specific perks and are looking to earn miles on travel-related expenses.
- The Ink Business Unlimited® Credit Card is better suited for business owners seeking a straightforward cash back card without an annual fee and valuing simplicity in rewards structure.
Conclusion
Both the Delta SkyMiles® Gold American Express Card and the Ink Business Unlimited® Credit Card offer distinct advantages depending on your needs. Consider your spending patterns, travel habits, and financial goals to determine which card aligns best with your lifestyle.