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Compare the Features and Benefits of Chase Ink Business Premier℠ Credit Card and
Delta SkyMiles® Platinum American Express 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
Unique Card Benefits
No Foreign Transaction Fees
Extended Warranty
Purchase Protection
Trip Protections
Cell Phone Protection
No Fees for Authorized Users
Travel and Emergency Assistance Services
Primary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
Annual Statement Credits
Free Checked Bags
Priority Boarding
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Free Access to Credit Score
Amex Offers
Metal Card
Annual Fee
$195
Avg. Min. Credit Score
670-850
Ongoing APR
18.74%-26.74% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Cruises

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Hotels

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

2.5x Single Charges over $5,000
2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) 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 Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

Check Ink Premier for Business

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.

Read more
Unique Card Benefits
yes
No Foreign Transaction Fees
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Cell Phone Protection
yes
No Fees for Authorized Users
yes
Travel and Emergency Assistance Services
yes
Primary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
Annual Statement Credits
no
Free Checked Bags
no
Priority Boarding
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Free Access to Credit Score
no
Amex Offers
no
Metal Card
no
Annual Fee
$350 (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

3x Hotels
2x Dining Out / Food Delivery

At restaurants, including takeout and delivery in the U.S.

2x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

1x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 60,000 Bonus Miles after you spend $3,000 in eligible 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
(3.93) 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 Delta SkyMiles Platinum Amex card sits squarely between the ultra-premium (Reserve) and base-level annual-fee (Gold) Delta cards. While the $350 annual fee is still a sizable sum to consider, there’s a mile-long list of benefits for Delta loyalists.

With the Delta Platinum card, it’s not only easy to rack up thousands of SkyMiles from card spend alone, but you could spend your way to the finish line of Medallion status.

You’ll earn 3x bonus miles on Delta purchases and hotel bookings; 2x miles at restaurants worldwide and U.S. supermarkets; and 1x miles on all other eligible purchases.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns 1 MQD (Medallion Qualifying Dollars) for every $20 spent on eligible purchases with your Card plus $2,500 MQDs each year – just for holding the card!

delta credit card

With your growing balance of Delta SkyMiles, you can book Delta award flights — and enjoy a 15% discount for being a cardholder. Beyond earning and redeeming miles, there are great ways to save money through the a Global Entry or TSA PreCheck application fee credit every 4.5 years, a first free checked bag on Delta flights, cell phone protection, trip coverage, and purchase protections.

Another key benefit that may move the needle for you is the annual roundtrip companion certificate, good for domestic, Caribbean, or Central American roundtrip flights in the Main Cabin. You’ll receive this reward after paying your card’s annual fee every account anniversary (after account opening). This allows you to book a second flight for a friend or family member for the cost of government imposed taxes and fees. Pick your route wisely, as you can easily save hundreds of dollars (and pay for the $350 annual fee) with the certificate alone. (Terms apply.)

And you’ll also receive up to $390 in statement credits each year with up to $10 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 $150 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

In summary, if you like flying Delta but don’t think you can justify the cost of the higher annual fee for the Reserve level card, the Delta Platinum card may be the perfect fit for your travel needs.

Rates and fees for the Delta SkyMiles® Platinum American Express Card

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

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