Delta SkyMiles® Reserve Business American Express Card vs Ink Business Premier® Credit Card

This comparison aims to help users decide between the Delta SkyMiles® Reserve Business American Express Card and the Ink Business Premier® Credit Card. Both cards offer unique benefits tailored to different spending habits and travel preferences.

Card Overviews

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card is designed for frequent Delta flyers who wish to maximize their travel rewards. With a focus on earning miles for Delta purchases and exclusive travel benefits, this card appeals to business owners who prioritize travel perks and status elevation with Delta Airlines.

Ink Business Premier® Credit Card

The Ink Business Premier® Credit Card is ideal for business owners seeking to earn cash back on their purchases. With a robust rewards structure that includes higher cash back rates on larger purchases, this card caters to businesses that frequently make significant expenditures across various categories, including travel.

Detailed Feature Comparison

Rewards Highlights

Delta SkyMiles® Reserve Business American Express Card

• Earn 3 miles per dollar on eligible Delta purchases.

Ink Business Premier® Credit Card

• 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.

Pros and Cons

Delta SkyMiles® Reserve Business American Express Card

• Pros:
  • High rewards on Delta purchases.
  • Exclusive travel benefits and access to lounges.
  • Companion certificate for travel.
  • No foreign transaction fees.
• Cons:
  • High annual fee.
  • Limited to Delta for maximum rewards.

Ink Business Premier® Credit Card

• Pros:
  • Lower annual fee than Delta card.
  • Flexible cash back on various purchases.
  • Strong rewards on large purchases.
  • No foreign transaction fees.
• Cons:
  • Less travel-focused benefits compared to Delta card.
  • Welcome bonus tied to cash back rather than travel rewards.

Who Should Consider Which Card?

• Delta SkyMiles® Reserve Business American Express Card: Ideal for frequent Delta travelers who value airline-specific perks, such as lounge access and companion tickets. This card is perfect for business owners who prioritize travel rewards and have substantial Delta spending.
• Ink Business Premier® Credit Card: Best suited for business owners looking for a flexible cash back program. This card is beneficial for those who make large purchases and prefer cash back over airline miles.

Conclusion

Ultimately, the decision between the Delta SkyMiles® Reserve Business American Express Card and the Ink Business Premier® Credit Card should be based on your individual spending habits and financial goals. Consider which benefits align with your travel patterns and cash back preferences to make an informed choice.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”