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Capital One Spark Miles for Business vs Delta SkyMiles® Gold American Express Card
This comparison aims to assist you in deciding between the Capital One Spark Miles for Business and the Delta SkyMiles® Gold American Express Card. Both cards offer unique benefits tailored for different types of users, so understanding their features will help you make an informed choice.
Card Overviews
Capital One Spark Miles for Business
The Capital One Spark Miles for Business is designed for business owners who want to earn travel rewards effortlessly. With no category restrictions and a robust rewards structure, this card makes it easy to accumulate miles on all business expenses.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is ideal for frequent Delta flyers. It offers benefits specifically tailored to enhance the travel experience with Delta Airlines, making it an excellent option for those who travel regularly with the airline.
Detailed Feature Comparison
| Feature | Capital One Spark Miles for Business | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $0 introductory annual fee for the first year, then $150 |
| Welcome Bonus | 50,000 miles after spending $4,500 in the first 3 months | 50,000 Bonus Miles after spending $2,000 in the first 6 months |
| Rewards Structure | 2X miles on every purchase; 5X miles on travel booked via Capital One | 2X Miles on Delta purchases, U.S. supermarkets, and restaurants; 1X Mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | Global Entry/TSA PreCheck credit, free employee cards | Free first checked bag, priority boarding, $200 Delta Flight Credit |
Rewards Highlights
Capital One Spark Miles for Business
- 2 miles per $1 on every purchase, everywhere
- 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Delta SkyMiles® Gold American Express Card
- 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.
Pros and Cons
Capital One Spark Miles for Business
- Pros:
- No category restrictions on earning miles
- High rewards on all purchases
- Flexible redemption options
- Cons:
- Annual fee after the first year
- More suitable for business owners than personal users
Delta SkyMiles® Gold American Express Card
- Pros:
- Great benefits for Delta flyers
- Free first checked bag and priority boarding
- Bonus miles on Delta purchases
- Cons:
- Annual fee after the first year
- Lower overall rewards rate compared to some competitors
Who Should Consider Which Card?
- Capital One Spark Miles for Business: Best for business owners or freelancers who make a variety of purchases and want to earn unlimited miles without worrying about category restrictions.
- Delta SkyMiles® Gold American Express Card: Ideal for frequent Delta travelers who can take advantage of the card's travel perks and benefits, especially those who prefer to fly Delta Airlines regularly.
Conclusion
When choosing between the Capital One Spark Miles for Business and the Delta SkyMiles® Gold American Express Card, consider your spending habits and travel preferences. Each card offers unique features that cater to different needs, so assess what aligns best with your financial goals.