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* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
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Compare the Features and Benefits of Chase Ink Business Preferred® Credit Card and
Delta SkyMiles® Reserve Business American Express Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Extended Warranty
Purchase Protection
Trip Protections
Cell Phone Protection
Does Not Report Credit Line to Personal Credit Profile
No Foreign Transaction Fees
Earns Transferable Points
Primary Car Rental CDW Waiver
Roadside Assistance
No Fees for Authorized Users
Unique Card Benefits
Airport Lounge Access
Annual Statement Credits
Free Checked Bags
Priority Boarding
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Return Protection
Travel and Emergency Assistance Services
Concierge Services
Metal Card
Free Access to Credit Score
Amex Offers
Annual Fee
$95
Avg. Min. Credit Score
670-850
Ongoing APR
20.49%-26.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Lyft
3x Airfare

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Transit

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Car Rentals

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Cellular Phone Service

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Hotels

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Advertising on Search Engines and Social Media

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Shipping

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Cable / Internet / VOIP Phone

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Cruises

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.63) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Chase Ink Business Preferred credit card is a staple credit card for any business owner than understands the power of Chase Ultimate Rewards, one of my favorite rewards currencies (See the feature entitled “Earns Transferable Points” above for more on why.)

The Ink Preferred has two distinctions among the Chase Ink business credit card lineup with also includes the Chase Ink Business Unlimited® and Chase Ink Business Cash®.

1) While those cards have no annual fee, they also do not have the power, on their own, to transfer points to Chase’s airline and hotel partners – and that is where you get the most value. The Chase Ink Preferred, with its small annual fee, gives it the distinction of being able to transfer the points to partners like World of Hyatt.

So, for instance, you can earn 5X on office supply stores with the Ink Cash and 1.5X on spend categories that don’t otherwise have a bonus multiplier and then combine them all to your Chase Ink Preferred. In addition to being able to transfer to air and hotel partner programs, you also have the option to simply book travel on the Chase Travel site with each point worth 1.25 cents. Comparatively, the Ink Cash and Ink Unlimited would have points worth just 1 cent there – unless you also had an Ink Preferred to combine the points to.

2) The Ink Business Preferred has the highest bonus offer of any card, with 100,000 bonus points on offer when you meet the minimum spend in the allotted time from account opening. (See current offer above in “Key Facts.”)

But beyond that, the Chase Ink Business Preferred is a super powerful credit card for small business owners that spend a lot on select business categories like travel, internet, cable, and phone services, search engines/social media and shipping purchases, where you will earn 3X Ultimate Rewards points per dollar spent – up to a combined maximum of $150,000 per year. (You would earn 1 point per dollar over that limit.)

phone protection chase ink business preferred credit card

That’s some amazing earning power! If you max that out in a year, you are earning 600,000 points which we would value (at 1.75 cents a point) as worth over $10,000 in rewards value. Like I said – it’s a powerhouse of a card all on its own!

Even if you had no interest in travel and treated these points as cash back (which I certainly don’t think is the best way to use these points!), you are still earning 3% cash back on this spend.

And then there’s the benefits. This card absolutely rocks the benefits.

My favorite benefit is its included primary rental car insurance when you book for business purposes, put the entire rental cost on your Ink card and decline the rental company’s collision insurance. That means that you can decline the expensive collision insurance that your rental car company offers and, if there is damage or theft, Chase’s insurance will cover you on most rentals without involving your personal insurance. That could save you on future premiums.

Note: The list of credit cards that offer primary rental car insurance is extremely limited, so take advantage of this one.

But that’s far from the only benefit worth mentioning. Other notable card benefits include:

  • Trip cancellation/interruption insurance, up to $5,000, for non-refundable passenger fares, hotels and tours.
  • Up to $1,000 per incident for cell phone protection. The insurance covers you and your listed employees on the cell phone bill, when you pay your monthly cell phone bill with your Chase Ink Business card. You can make up to 3 claims per year with a $100 deductible.
  • Extended warranty. For a manufacturer’s warranty of 3 years or less, Chase will add an additional year.
  • Purchase Protection. Chase covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • No foreign transaction fees. Feel free to pay for goods abroad with the Chase Ink Business Preferred card and you won’t have to worry about foreign transaction fees.
  • Of course, it comes with expected fraud protection and real time fraud monitoring with zero liability for you if you are a victim of fraud.

Note: You will only be approved for a Chase business credit card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business credit cards do not count against the total, except for Capital One and Discover, but are subject to the policy).

Lastly, you will only be approved for (at most) one Chase business card every 30 days so please do not apply for two at once.

If you have applied for a Chase credit card and don’t get an instant approval, you may want to phone the Chase reconsideration line.


This card is also mentioned in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

Read more
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Cell Phone Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
Earns Transferable Points
yes
Primary Car Rental CDW Waiver
yes
Roadside Assistance
yes
No Fees for Authorized Users
yes
Unique Card Benefits
no
Airport Lounge Access
no
Annual Statement Credits
no
Free Checked Bags
no
Priority Boarding
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Return Protection
no
Travel and Emergency Assistance Services
no
Concierge Services
no
Metal Card
no
Free Access to Credit Score
no
Amex Offers
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
20.24%-29.24% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

1.5x Transit
1.5x Shipping

U.S. Shipping only

1.5x Office Supplies

U.S. office supply stores only

1x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Business owners who want to separate their personal and business expenses and maximize thousands of dollars in spend have no shortage of business cards to choose from. For frequent Delta flyers, the Delta Reserve Business American Express Card is among the most rewarding options out there once you can overlook the steep $650 annual fee.

delta credit card

Racking up Delta SkyMiles for award flights can be done effortlessly with the Delta SkyMiles Reserve Business American Express Card. You’ll earn 3x bonus miles on eligible Delta purchases.

But the kicker is that you’ll start to earn a higher mileage accelerator once you spend $150,000 on the card annually — that’s when you’ll start to earn 1.5x miles on all eligible purchases. You’ll also earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases. (If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.) Earn 1x miles per dollar spent on all other eligible non-bonus purchases.

Delta SkyMiles Reserve Business cardholders can save 15% when redeeming SkyMiles for all award flights operated by Delta, which can add up significantly the more you book Delta award flights.

And there are a number of Delta-related benefits that extend to you and up to eight companions on the same reservation such as your first checked bag free and Main Cabin 1 priority boarding.

While you won’t get any free guest access, you can bring up to two guests for a $50 charge per person, or redeem one of your four guest passes you’ll get as a Delta Business Reserve cardholder every year.

Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Other ways to recoup the $650 annual fee include the annual companion certificate, which allows you to get a ‘buy one, get one’ ticket for just the cost of government imposed taxes and fees (less than $80). This award is valid for domestic, Caribbean, or Central American roundtrip flights in nearly any of Delta’s classes of service, including for domestic First or Business Class (only Delta One is excluded).

night, city, shanghai

The card features a Global Entry/TSA PreCheck application statement credit and ample trip and purchase protections that will help elevate your business travels.

And you’ll also receive up to $610 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $250 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

Don’t forget the opportunity to earn MQDs!

Earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card and receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year.

The Delta Reserve Business American Express card is a solid choice for business owners who are able to reap all the excellent benefits, but note that it may take significant card spend for you to justify the $650 annual fee year after year.

Rates and Fees for the Delta SkyMiles® Reserve Business American Express Credit Card

Read more
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Cell Phone Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
Earns Transferable Points
no
Primary Car Rental CDW Waiver
no
Roadside Assistance
no
No Fees for Authorized Users
no
Unique Card Benefits
yes
Airport Lounge Access
yes
Annual Statement Credits
yes
Free Checked Bags
yes
Priority Boarding
yes
Grants Car Rental Status
yes
Secondary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Return Protection
yes
Travel and Emergency Assistance Services
yes
Concierge Services
yes
Metal Card
yes
Free Access to Credit Score
yes
Amex Offers
yes

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