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Capital One Spark Cash Plus vs Delta SkyMiles® Reserve American Express Card
This comparison aims to assist users in deciding between the Capital One Spark Cash Plus and the Delta SkyMiles® Reserve American Express Card. Both cards offer unique benefits tailored to different spending habits and financial goals, making it essential to consider their features closely.
Card Overviews
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is designed for businesses that prioritize cash back rewards. With an unlimited cash back structure and adaptable purchasing power, this card is particularly suited for entrepreneurs and business owners looking to maximize their rewards.
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles® Reserve American Express Card caters to frequent Delta flyers, offering extensive travel perks, including lounge access, bonus miles, and upgrades. It’s an ideal choice for those who often travel with Delta Airlines and want to enhance their travel experience.
Detailed Feature Comparison
| Feature | Capital One Spark Cash Plus | Delta SkyMiles® Reserve American Express Card |
|---|---|---|
| Annual Fee | $150 | $650 |
| Welcome Bonus | $2,000 cash bonus after spending $30,000 in the first 3 months | 70,000 Bonus Miles after spending $5,000 in the first 6 months |
| Rewards Structure | 2% cash back on every purchase | 3X Miles on Delta purchases, 1X Miles on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $150 annual fee refunded if spending $150,000 annually | $650 annual fee |
| Additional Benefits | 5% cash back on hotels and rental cars booked through Capital One's travel site | Access to Delta Sky Club, upgrade priority, Companion Certificate |
Rewards Highlights
Capital One Spark Cash Plus
- 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.
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions.
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
Delta SkyMiles® Reserve American Express Card
- Earn 3X Miles on Delta purchases.
- Earn 1X Miles on all other eligible purchases.
Pros and Cons
Capital One Spark Cash Plus
- Pros:
- High cash back rewards.
- No foreign transaction fees.
- Flexible spending limits.
- Easy rewards redemption.
- Cons:
- Annual fee may be high for some users.
- Welcome bonus requires high spending.
Delta SkyMiles® Reserve American Express Card
- Pros:
- Extensive travel benefits and perks.
- Access to Delta Sky Club lounges.
- Generous welcome bonus.
- Priority upgrades.
- Cons:
- High annual fee.
- Rewards mainly beneficial for Delta travelers.
Who Should Consider Which Card?
- Capital One Spark Cash Plus: Best for business owners and entrepreneurs who want to earn cash back on every purchase without worrying about category restrictions.
- Delta SkyMiles® Reserve American Express Card: Ideal for frequent Delta travelers who can take advantage of the travel perks and benefits associated with the card.
Conclusion
Both the Capital One Spark Cash Plus and the Delta SkyMiles® Reserve American Express Card offer unique benefits tailored to different audiences. Consider your individual needs, spending patterns, and travel habits to make an informed decision that aligns with your financial goals.