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Delta SkyMiles® Reserve American Express Card vs Ink Business Preferred® Credit Card
This comparison aims to help potential cardholders decide between the Delta SkyMiles® Reserve American Express Card and the Ink Business Preferred® Credit Card. Each card has unique features and benefits tailored to different audiences, making it essential to understand their offerings before making a choice.
Card Overviews
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles® Reserve American Express Card is designed for frequent Delta Airlines travelers who want to maximize their travel rewards. With a robust rewards structure, lounge access, and various travel-related perks, this card caters to those who prioritize air travel and luxury experiences.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is tailored for business owners looking to earn significant rewards on their business expenses. This card offers high earning potential on travel and select business categories, making it ideal for entrepreneurs and small business owners seeking to maximize their rewards on everyday purchases.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Reserve American Express Card | Ink Business Preferred® Credit Card |
|---|---|---|
| Annual Fee | $650 | $95 |
| Welcome Bonus | Earn 70,000 Bonus Miles after spending $5,000 in the first 6 months | Earn 90,000 bonus points after spending $8,000 in the first 3 months |
| Rewards Structure | 3X Miles on Delta purchases, 1X Miles on all other purchases | 3 points per $1 on the first $150,000 spent on travel and select business categories, 1 point on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Various fees apply; see terms | Various fees apply; see terms |
| Additional Benefits | Delta Sky Club access, Companion Certificate, Resy Credit, Rideshare Credit | Purchase Protection, points worth 25% more for travel, Zero Liability |
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 earning potential on Delta purchases.
- Access to Delta Sky Clubs and The Centurion Lounge.
- Comprehensive travel benefits and perks.
- Cons:
- High annual fee.
- Best suited for frequent Delta flyers.
Ink Business Preferred® Credit Card
- Pros:
- High welcome bonus with flexible redemption options.
- Strong rewards on business categories.
- Purchase protection and travel insurance benefits.
- Cons:
- Annual fee applies.
- Best suited for business owners.
Who Should Consider Which Card?
- Delta SkyMiles® Reserve American Express Card: Ideal for travelers who fly frequently with Delta Airlines and want to take advantage of airline-specific perks and rewards.
- Ink Business Preferred® Credit Card: Best for small business owners who want to earn substantial rewards on business expenses and prefer flexible redemption options.
Conclusion
Choosing between the Delta SkyMiles® Reserve American Express Card and the Ink Business Preferred® Credit Card ultimately depends on your individual needs and spending habits. Consider how often you travel, your preferred airlines, and whether you want to maximize rewards on business purchases. Each card offers unique benefits that cater to different lifestyles.