Costs & Pricing

Metric	Ink Business Unlimited® 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%; cap 29.99%)	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 (lost if minimum payment missed)	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 Unlimited® Credit Card	Delta SkyMiles® Gold Business American Express Card
Base earn rate	1.5% cash back (1.5 Ultimate Rewards points per $1)	1 SkyMile per $1 eligible purchases
Welcome bonus	$1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026)	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¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point	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 on this card; points can be moved to another Ultimate Rewards account for transfer-partner access when paired with eligible cards (e.g., Ink Preferred)	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 Unlimited® Credit Card	Delta SkyMiles® Gold Business American Express Card
Personal guarantee	Required — joint and several liability of authorizing officer and 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 authorizing officer's personal credit (SSN required)	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	Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts	$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 Unlimited® Credit Card

Pros

• $0 annual fee on primary and employee cards
• Uncapped 1.5% on eligible purchases — simple flat-rate earn
• 12-month 0% intro APR on purchases
• Elevated $1,000 / $8,000 / 4-month welcome bonus (as of 9/3/2026); AU spend counts
• Primary business-use rental CDW up to $60,000 on a no-fee card

Cons

• 3% foreign-transaction fee
• No native bonus categories — loses to 2% flats and Ink Cash/Preferred in bonus buckets
• Personal guarantee + hard personal pull + unofficial 5/24 rule
• Welcome bonus blocked if you ever held this or another $0-AF Chase business card
• No balance-transfer intro APR; no cell-phone protection or premium travel credits

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 Unlimited® Credit Card

One of the strongest no-annual-fee business cards for flat-rate earn. The Ink Business Unlimited combines uncapped 1.5% cash back, a generous intro APR window, free employee cards, and a elevated welcome bonus — all without an annual fee. Best for domestic spenders who don't need category bonuses or premium travel perks. Poor fit for foreign spend, no-PG seekers, or businesses that would earn more with Ink Cash or Ink Preferred in their bonus categories.

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.