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Comparison: Capital One Spark Cash vs Delta SkyMiles® Gold American Express Card
This comparison aims to help you decide between the Capital One Spark Cash and the Delta SkyMiles® Gold American Express Card. Each card offers unique benefits tailored to different spending habits and financial goals.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that prefer straightforward cash back rewards. It offers unlimited 2% cash back on all purchases, making it ideal for business owners who want to earn rewards without worrying about category restrictions.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is perfect for frequent Delta travelers. It provides various travel-related perks, including bonus miles on Delta purchases and the ability to earn free checked bags, making it beneficial for those who often fly with Delta Airlines.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after | $0 intro for first year; $150 after |
| Welcome Bonus | Earn $750 cash back after spending $7,500 in first 3 months | Earn 50,000 Bonus Miles after spending $2,000 in first 6 months |
| Rewards Structure | 2% cash back on all purchases | 2X Miles on Delta purchases, at U.S. supermarkets, and restaurants; 1X on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Free employee cards, rewards never expire, and cash redemption for any amount | Free checked bag, priority boarding, and Delta flight credits |
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 Rewards
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening.
- 5% cash back on hotels and rental cars booked through Capital One Travel.
- 2% cash back on every purchase.
Pros and Cons
Capital One Spark Cash Pros and Cons
- Pros:
- Unlimited 2% cash back on all purchases.
- Generous welcome bonus.
- No foreign transaction fees.
- Rewards do not expire.
- Free employee cards available.
- Cons:
- Annual fee of $95 after the first year.
- Higher spending requirement for the welcome bonus.
Delta SkyMiles® Gold American Express Card Pros and Cons
- Pros:
- Attractive welcome bonus of miles.
- Free first checked bag on Delta flights.
- Priority boarding and Delta flight credits.
- No foreign transaction fees.
- Cons:
- Annual fee of $150 after the first year.
- Limited utility for non-Delta travelers.
Who Should Consider Which Card?
- Capital One Spark Cash: Ideal for business owners or individuals who prefer cash back rewards and make a variety of purchases without worrying about categories.
- Delta SkyMiles® Gold American Express Card: Best for frequent Delta Airlines travelers who can benefit from miles, travel credits, and additional airline perks.
Conclusion
Ultimately, the choice between the Capital One Spark Cash and the Delta SkyMiles® Gold American Express Card hinges on your individual needs and spending patterns. Consider where you spend the most and what kind of rewards matter most to you.