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Capital One Spark Cash Plus vs Delta SkyMiles® Gold American Express Card
This comparison aims to help users decide between the Capital One Spark Cash Plus and the Delta SkyMiles® Gold American Express Card. Both cards offer unique features suited for different spending habits and rewards preferences.
Card Overviews
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is designed for businesses that need a flexible spending capacity while maximizing cash back rewards. With no preset spending limit and unlimited 2% cash back on every purchase, this card is ideal for business owners who prioritize straightforward cash back without category restrictions.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card targets travelers who frequently fly with Delta Airlines. This card provides valuable travel benefits, including bonus miles, discounts on Delta flights, and the ability to check a bag for free, making it suitable for individuals who want to earn rewards through travel-related spending.
Detailed Feature Comparison
| Feature | Capital One Spark Cash Plus | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $150 | $0 introductory annual fee for the first year, then $150 |
| Welcome Bonus | $2,000 cash bonus after spending $30,000 in the first 3 months | 50,000 Bonus Miles after spending $2,000 in the first 6 months |
| Rewards Structure | 2% cash back on every purchase | 2X Miles on Delta purchases, at U.S. Supermarkets, and restaurants; 1X Miles on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | 5% cash back on hotels and rental cars booked through Capital One | Free first checked bag, 15% off award travel, $200 flight credit after $10,000 in purchases |
Rewards Highlights
Delta SkyMiles® Gold American Express Card Rewards
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets, and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases.
Capital One Spark Cash Plus Rewards
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
- 2% cash back on every purchase.
- 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
Pros and Cons
Capital One Spark Cash Plus Pros and Cons
- Pros:
- Unlimited 2% cash back on all purchases.
- No preset spending limit.
- Flexible rewards with no category restrictions.
- Employee cards at no additional cost.
- Cons:
- High spending requirement for the welcome bonus.
- $150 annual fee without a waiver.
Delta SkyMiles® Gold American Express Card Pros and Cons
- Pros:
- Generous welcome bonus and ongoing rewards for Delta purchases.
- First checked bag free on Delta flights.
- $0 introductory annual fee for the first year.
- Cons:
- Annual fee applies after the first year.
- Value is primarily in travel rewards, less beneficial for non-travelers.
Who Should Consider Which Card?
The Capital One Spark Cash Plus is ideal for business owners who prefer straightforward cash rewards and need a flexible spending capacity. It suits those who make significant purchases and want to earn cash back without worrying about categories.
The Delta SkyMiles® Gold American Express Card is better for frequent Delta flyers or travelers who want to maximize travel-related rewards. Ideal candidates are those who spend on Delta flights and related purchases and can take advantage of the travel perks offered.
Conclusion
When choosing between the Capital One Spark Cash Plus and the Delta SkyMiles® Gold American Express Card, consider your individual spending patterns and financial goals. Each card offers distinct advantages that cater to different audiences: business owners seeking cash back versus travelers looking for airline rewards.