Costs & Pricing

Metric	Ink Business Cash® Credit Card	Delta SkyMiles® Gold Business American Express Card
Annual fee	$0	$0 intro year 1, then $150 (first year of Card Membership only)
Employee card fee	$0	$0 (CMA: Annual Fee for Additional Cards: None)
Purchase APR	16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box)	19.49%–28.49% variable (Prime + 12.74% to Prime + 21.74%); placement by creditworthiness at account opening. APRs accurate as of 09/02/2026. No 0% intro.
Intro APR (purchases)	0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)	Not offered
Foreign transaction fee	3%	$0
Late payment fee	$40	Up to $39 (will not exceed Minimum Payment Due)

Rewards & Value

Metric	Ink Business Cash® Credit Card	Delta SkyMiles® Gold Business American Express Card
Base earn rate	1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)	1 SkyMile per $1 eligible purchases
Welcome bonus	$1,000 bonus cash back after $8,000 purchases in the first 4 months (Chase labels this “OUR BEST OFFER EVER”; prior $750 struck through; posts 6–8 weeks after qualifying)	Conflict across official pages. Delta business-cards page: limited-time 90,000 bonus miles after $6,000 eligible purchases in the first 6 months — offer ends November 4, 2026. Amex product page (same period): evergreen-style 60,000 after $4,000 in the first 6 months with no end date. Treat 90k/$6k through 11/4/2026 as the live limited-time public offer; 60k/$4k as the fallback. Apply-flow T&Cs win.
Redemption value	1¢ per point for cash, gift cards, and Chase Travel. Other paths may be worth more or less. Do not assume transfer value unless paired with a transferable UR card.	Pay with Miles = 1.0¢ ($50 off per 5,000 miles on delta.com). Award travel is dynamic; TakeOff 15 improves award pricing ~15% on Delta-operated flights only (not partner-operated, not taxes/fees). Do not assume transfer-partner value — this card does not transfer.
Transfer partners	Not native. Points can be moved to another Ultimate Rewards card belonging to you, a household member, or a company owner. Airline/hotel transfers only after combining onto Ink Preferred, Sapphire Preferred/Reserve, or Sapphire Reserve for Business.	None. Currency is Delta SkyMiles, not Membership Rewards. No transfer-out to other airlines. Miles do not expire under Delta’s published policy; Delta may still deactivate an account and remove miles.

Credit & Eligibility

Metric	Ink Business Cash® Credit Card	Delta SkyMiles® Gold Business American Express Card
Personal guarantee	Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business	Required in substance. CMA: Basic Card Member and Company remain jointly and severally liable for all charges. Quote the live application before publishing a legal excerpt.
Credit check	Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)	Know if you're approved with no impact on your personal credit score until acceptance. Business credit may be impacted on submit. Accepting the card may impact personal credit. Treated as a hard pull on accept in industry practice; Amex does not print “hard pull” on the marketing page.
Employee cards	Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.	$0 additional-card fee. Spend controls / alerts marketed; Account Manager role can add cards, pay, review transactions. Hard cap on number not disclosed on this product page — do not invent 99 unless the application states it.
Product type	Revolving business credit card	Revolving small-business credit card (published purchase APR, ADB interest, minimum-payment rule). Not a charge card. Not a corporate / net-terms spend platform.

Pros & Cons

Ink Business Cash® Credit Card

Pros

• $0 annual fee with 5%/2%/1% structure and a $1,000 / $8,000 / 4-month public bonus as of Sept 2026
• 12-month 0% intro APR on purchases (lost only if a minimum payment is missed)
• Employee cards $0; AU spend earns rewards and counts toward the bonus and category caps
• Cash back is Ultimate Rewards points and combinable with a transferable Chase card
• Primary business rental-car coverage up to $60,000 and solid purchase/extended-warranty terms for a no-fee card

Cons

• Bonus categories cap at $25k each per anniversary year, then 1%
• 3% foreign-transaction fee
• Base rate 1% loses to flat 1.5–2% cards outside the bonus buckets
• Personal guarantee + personal hard pull + commonly reported 5/24 filter
• Welcome bonus blocked if you ever had this card or another $0-AF Chase business card; no cell-phone protection, lounges, or TSA credit

Delta SkyMiles® Gold Business American Express Card

Pros

• $0 year-1 fee then $150 — lowest annual fee in the Delta business lineup
• 1st checked bag free worldwide + 2nd bag free domestic (2026 add) can offset the AF in a few team trips
• 2X on uncapped restaurants plus capped U.S. shipping and U.S. digital/TV/radio ads
• $0 foreign-transaction fee and $0 employee cards (employee spend feeds the $10k flight-credit threshold)
• TakeOff 15 reduces Delta-metal award cost 15%

Cons

• Ongoing $150 AF with credits that are conditional, portal-locked, or enrollment-gated after renewal
• Miles are Delta-only — no Membership Rewards transfers
• No lounge, no GE/PreCheck credit, thinner insurance than Platinum/Reserve Business
• No 0% intro APR; carrying a balance is expensive (19.49%–28.49% as of 09/02/2026)
• Personal guarantee / joint and several liability; advertising 2X is MCC-narrow (media providers, not any marketing vendor)

Verdict

Ink Business Cash® Credit Card

Ink Cash is the category SKU in the $0-AF Ink pair — not Unlimited (flat 1.5%) and not Preferred ($95, 3x ads/shipping/travel, $0 FTF, native transfers). It wins when office supplies and phone/internet/cable bills (plus some gas and dining) sit under two separate $25k anniversary caps. Pair it with Unlimited or Preferred rather than using it as an uncapped daily driver. Skip it for foreign spend, ad-heavy businesses, no-PG underwriting, or if a prior Ink Unlimited/Cash card already burned the $0-AF bonus.

Delta SkyMiles® Gold Business American Express Card

This is the low-fee Delta business cobrand — not personal Delta Gold (supermarkets 2X), not Platinum/Reserve Business, and not Amex Business Gold (MR). Confirm the live apply-flow welcome (90k/$6k through 11/4/2026 on Delta vs 60k/$4k still on Amex’s product URL). Skip it if you will not fly Delta, want transferable points, need 0% float, or refuse a PG.