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Side-by-side

Delta SkyMiles Reserve Amex vs Chase Ink Business Cash

Both are well-respected travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/yr; the Chase Ink Business Cash from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Chase Ink Business Cash, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureDelta SkyMiles Reserve AmexChase Ink Business Cash
Annual fee$650$0
Sign-up bonus100,000 miles$750 bonus cash back
Bonus value (est.)$1,100$750
Min spend to unlock bonus-$6,000 in 3 mo
IssuerAmerican ExpressChase
Card categorytravelbusiness
Best earning category (Travel)3x1x
Transfer partnersNonechase-ur
Headline benefits
  • SkyClub access
  • First/Comfort+ companion cert
  • 100k miles bonus
  • Centurion access
  • 5% office + internet/phone
  • $750 SUB ($900 elevated ended Nov 2025)
  • No annual fee
  • Converts to UR points
Read the full review
Delta SkyMiles Reserve Amex
$650/yr · 100,000 miles
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back

Editorial take: Delta SkyMiles Reserve Amex

Only worthwhile if you actually use Delta SkyClubs, the access alone is worth the fee for frequent Delta flyers. The upgraded companion cert (can be used on First/Comfort+) is a big perk over the standard Platinum version.

Editorial take: Chase Ink Business Cash

Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or Chase Ink Business Cash?
The Delta SkyMiles Reserve Amex has the bigger bonus, 100,000 miles, worth roughly $1,100, versus $750 bonus cash back (~$750) on the Chase Ink Business Cash.
Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the Chase Ink Business Cash?
Premium cards like the Delta SkyMiles Reserve Amex ($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 Cash at $0/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Amex and Chase Ink Business Cash?
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 Amex or the Chase Ink Business Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. Chase Ink Business Cash: $6,000 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.