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Delta SkyMiles Reserve Business American Express Card vs Chase Ink Business Preferred

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Chase Ink Business Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Ink Business Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($587 more in estimated value) than the Delta SkyMiles Reserve Business American Express Card's. Get the Chase Ink Business Preferred first; revisit the Delta SkyMiles Reserve Business American Express Card after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardChase Ink Business Preferred
Annual fee$650$95
Sign-up bonus125,000 miles100,000 points
Bonus value (est.)$1,413$2,000
Min spend to unlock bonus$15,000 in 6 mo$8,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryairlinebusiness
Best earning category (Delta)3x1x
Transfer partnersNonechase-ur
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • 100,000 point sign-up bonus
  • 3x on travel, shipping, ads, internet ($150k cap)
  • Cell phone protection
  • Transfer to UR partners
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 125,000 miles
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

Editorial take: Chase Ink Business Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Chase Ink Business Preferred?
The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus 125,000 miles (~$1,413) on the Delta SkyMiles Reserve Business American Express Card.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Chase Ink Business Preferred?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The Chase Ink Business Preferred at $95/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Chase Ink Business Preferred?
Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Delta SkyMiles Reserve Business American Express Card or the Chase Ink Business Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $15,000 spend in 6 months. Chase Ink Business Preferred: $8,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.