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

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

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash is designed for businesses that want a straightforward cash back rewards program. It offers a simple 2% cash back on all purchases, making it ideal for those who prefer a traditional credit line without the complexities of rotating categories.

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card is tailored for frequent Delta flyers who want to maximize their travel rewards. With a robust offering of travel benefits, including lounge access and bonus miles, it caters specifically to business owners who travel often with Delta Airlines.

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® Reserve Business American Express Card

• Earn 3 miles per dollar on eligible Delta purchases.

Pros and Cons

Capital One Spark Cash

• Pros:
  • Simple cash back structure
  • No foreign transaction fees
  • Free employee cards
• Cons:
  • Annual fee applies after the first year
  • Cash back may not be as beneficial for frequent travelers

Delta SkyMiles® Reserve Business American Express Card

• Pros:
  • Excellent travel perks, including lounge access
  • High earning potential on Delta purchases
  • Annual companion certificate
• Cons:
  • High annual fee
  • More complex rewards structure

Who Should Consider Which Card?

• The Capital One Spark Cash is ideal for businesses that prefer a straightforward cash back program without the intricacies of travel rewards.
• The Delta SkyMiles® Reserve Business American Express Card is best suited for frequent Delta travelers who can take advantage of the travel benefits and are willing to pay a higher annual fee for extensive perks.

Conclusion

When deciding between the Capital One Spark Cash and the Delta SkyMiles® Reserve Business American Express Card, consider your individual needs, spending patterns, and whether you prioritize cash back or travel rewards. Each card has its unique benefits, so choose the one that aligns best with your financial goals.

“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.”