Capital One Spark Cash vs Delta SkyMiles® Platinum Business American Express Card

This comparison aims to help users decide between the Capital One Spark Cash and the Delta SkyMiles® Platinum Business American Express Card. Each card offers unique benefits tailored to different spending habits and business needs.

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash is designed for businesses looking for straightforward cash back on all purchases. It offers unlimited 2% cash back on every purchase with no category restrictions, making it ideal for business owners who prefer simplicity and value.

Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles® Platinum Business American Express Card caters to frequent travelers, particularly those who fly with Delta Airlines. It provides a range of travel-related perks, including bonus miles, companion certificates, and benefits that enhance the flying experience.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Cash

• 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

Delta SkyMiles® Platinum Business American Express Card

• Earn 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

Pros and Cons

Capital One Spark Cash

• Pros:
  • Simple cash back structure
  • No foreign transaction fees
  • Free employee cards
  • Cash rewards never expire
• Cons:
  • Annual fee after the first year
  • No travel-specific benefits

Delta SkyMiles® Platinum Business American Express Card

• Pros:
  • Generous welcome bonus
  • Travel perks like companion certificates and priority boarding
  • Earn miles on specific categories
• Cons:
  • High annual fee
  • Rewards structure can be complex

Who Should Consider Which Card?

• Capital One Spark Cash: Ideal for business owners who want straightforward cash back without worrying about categories or travel-specific benefits. Great for those who make regular purchases across different categories.
• Delta SkyMiles® Platinum Business American Express Card: Best suited for frequent Delta travelers who will benefit from the travel perks and rewards structure tied to travel purchases. Ideal for users who prioritize travel-related benefits over cash rewards.

Conclusion

When choosing between the Capital One Spark Cash and the Delta SkyMiles® Platinum Business American Express Card, consider your individual needs and spending patterns. If you prefer cash back simplicity, the Spark Cash card may be the right fit. However, if you frequently travel and fly with Delta, the perks of the SkyMiles card could provide significant value.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”