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Delta SkyMiles® Reserve American Express Card vs Ink Business Cash® Credit Card
This comparison aims to help users decide between the Delta SkyMiles® Reserve American Express Card and the Ink Business Cash® Credit Card by exploring their features, benefits, and suitability for different spending habits.
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles® Reserve American Express Card is designed for frequent Delta flyers who want to maximize their travel rewards. With generous mileage earning potential and access to exclusive airport lounges, this card is ideal for those who prioritize travel perks and elite status with Delta.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is tailored for small business owners looking to earn cash back on everyday business purchases. With no annual fee and a robust rewards structure, this card is a practical choice for those who want to enhance their business expenses with valuable rewards.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Reserve American Express Card | Ink Business Cash® Credit Card |
|---|---|---|
| Annual Fee | $650 | No Annual Fee |
| Welcome Bonus | 70,000 Bonus Miles after spending $5,000 in the first 6 months | $350 after spending $3,000 in the first 3 months, plus $400 after spending $6,000 in the first 6 months |
| Rewards Structure | 3X Miles on Delta purchases, 1X Miles on all other eligible purchases | 5% cash back on first $25,000 at office supply stores and on internet, cable, and phone services; 2% cash back on first $25,000 at gas stations and restaurants; 1% on all other purchases |
| Foreign Transaction Fee | No | No |
| Other Fees | $2,500 Medallion Qualification Dollars with MQD Headstart | Zero Liability for unauthorized charges |
| Additional Benefits | Access to Delta Sky Club, Companion Certificate, Resy and Rideshare Credits | Redeem rewards through Chase Ultimate Rewards |
Rewards Highlights
- Earn 3X Miles on Delta purchases.
- Earn 1X Miles on all other eligible purchases.
Pros and Cons
Delta SkyMiles® Reserve American Express Card
- Pros:
- High welcome bonus for frequent flyers.
- Access to exclusive lounges and travel perks.
- Priority upgrade over other Medallion Members.
- No foreign transaction fees.
- Cons:
- High annual fee.
- More beneficial for Delta loyalists.
Ink Business Cash® Credit Card
- Pros:
- No annual fee.
- Significant cash back earning potential.
- Flexible rewards redemption options.
- Zero Liability for unauthorized charges.
- Cons:
- No travel-specific perks.
- Rewards cap on higher earning categories.
Who Should Consider Which Card?
- Delta SkyMiles® Reserve American Express Card: Ideal for frequent Delta travelers who value travel rewards, lounge access, and premium benefits.
- Ink Business Cash® Credit Card: Best for small business owners looking for cash back on everyday expenses without the burden of an annual fee.
Conclusion
Both the Delta SkyMiles® Reserve American Express Card and the Ink Business Cash® Credit Card offer unique benefits tailored to different audiences. Consider your individual needs, spending patterns, and whether you prioritize travel rewards or cash back when making your decision.