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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Delta ReserveAmerican Express | Ink Business PreferredChaseBusiness |
|---|---|---|
| Costs & value | ||
| Annual fee | $650 Inferred by source | $95 Inferred by source |
| Realized value* | $360 | $0 |
| Net / year | −$290 | −$95 |
| Value check | Worth knowing | Earns its keep |
| Rewards | miles | points |
| Cash advance (ATM) | Either $10 or 5% of each advance, whichever is greater Inferred by source | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | Delta Sky Club · 26flying Delta | — |
| Points & MilesFull breakdown → | ||
| Earn rates | 3× Delta purchases Inferred by source 1× Everything else Inferred by source | 3× Travel Inferred by source 3× Shipping purchases Inferred by source 3× Advertising on social media & search engines Inferred by source 3× Internet, cable & phone services Inferred by source 1× Everything else Inferred by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1.1¢ per pt Estimated by source | 1.25¢ per pt Inferred by source |
| CreditsFull breakdown → | ||
| Credits | 2 credits · $360/yr | — |
| ProtectionsFull breakdown → | ||
| Trip delay | Up to $500/trip (>6 hrs) Inferred by source | Up to $500/ticket (>12 hrs or overnight) Inferred by source |
| Baggage | Checked $2,000 / carry-on $3,000 per person Inferred by source | Lost/damaged up to $3,000/person per trip ($500 sub-limit for jewelry, cameras, electronics); delayed up to $100/day for up to 5 days when luggage arrives 6+ hours late Inferred by source |
| Rental car CDW | — | Primary CDW on business rentals (up to vehicle value) Inferred by source |
| Trip cancellation | — | Up to $5,000/person, $10,000/trip Inferred by source |
| Travel accident | — | Up to $500,000 AD&D on common carriers; up to $100,000 for 24-hour travel coverage Inferred by source |
| Purchase protection | — | Up to $10,000/claim, $50,000/account/year; 120 days from purchase Inferred by source |
| Extended warranty | — | Extends manufacturer's US warranty by 1 additional year on warranties of 3 years or less; up to $10,000/claim, $50,000/account/year Inferred by source |
| Cell phone protection | — | Up to $1,000/claim for theft or damage when monthly bill paid with card; $100 deductible; max 3 claims per 12-month period Inferred by source |
| Foreign Tx FeesFull breakdown → | ||
| Fee | None Inferred by source | None Inferred by source |
| Apply & freshness | ||
| Data last verified | Aug 3, 2026 | Jun 17, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Ink Business Preferred® Credit Card comes out ahead: by realized value minus the annual fee, the Delta SkyMiles® Reserve American Express Card nets −$290/yr and the Ink Business Preferred® Credit Card nets −$95/yr. Which is actually better depends on your spending and which perks you'll use.
The Ink Business Preferred® Credit Card has the lower annual fee ($95 vs $650).
The Delta SkyMiles® Reserve American Express Card includes lounge access (Delta Sky Club, Centurion); the Ink Business Preferred® Credit Card does not.