Chase Ink Business Cash vs Delta SkyMiles Reserve Business American Express Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Cash and Delta SkyMiles Reserve Business American Express Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Cash wins on our scorecard (8.2/10 vs 7.2/10).
| Scored on | Chase Ink Business Cash | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 10 | 5 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual fee | $0 | — |
| Foreign transaction fee | 3% | — |
| Purchase APR | 18.49% - 24.49% variable | 21.24% - 29.24% (Variable) |
| Late payment fee | Up to $40 | — |
| Annual Fee | — | $650 |
| Foreign Transaction Fee | — | $0 |
| Late Payment Fee | — | Up to $40 |
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Delta SkyMiles Reserve Business American Express Card in one paragraph
A high-priced status engine that makes sense only for Delta-dependent owners spending over $60k annually.
Skip it if: Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.
Read the full Delta SkyMiles Reserve Business American Express Card review
Frequently asked questions
Which is better, Chase Ink Business Cash or Delta SkyMiles Reserve Business American Express Card?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 7.2/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Who should skip Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Who should skip Delta SkyMiles Reserve Business American Express Card?
Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.