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

This comparison aims to help potential users decide between the Capital One Spark Miles for Business and the Delta SkyMiles® Reserve American Express Card. Both cards cater to different audiences and offer unique features that may suit varying financial needs and travel preferences.

Card Overviews

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is designed for business owners who want to maximize their travel rewards. It offers unlimited miles on every purchase and a generous welcome bonus, making it a great option for those who frequently travel for work.

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card is tailored for frequent Delta flyers. It provides exclusive access to Delta Sky Clubs and various travel benefits, making it ideal for those who prioritize airline loyalty and frequent travel with Delta Airlines.

Detailed Feature Comparison

Rewards Highlights

Delta SkyMiles® Reserve American Express Card

• Earn 3X Miles on Delta purchases.
• Earn 1X Miles on all other eligible purchases.

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.

Pros and Cons

Capital One Spark Miles for Business

• Pros:
• No annual fee for the first year.
• Unlimited 2X miles on all purchases.
• 5X miles on travel booked through Capital One.
• No foreign transaction fees.
• Cons:
• Annual fee of $95 after the first year.
• Less focused benefits for frequent flyers.

Delta SkyMiles® Reserve American Express Card

• Pros:
• Exclusive Delta Sky Club access.
• Generous welcome bonus and rewards on Delta purchases.
• Annual companion certificate.
• No foreign transaction fees.
• Cons:
• High annual fee of $650.
• Best for Delta loyalists.

Who Should Consider Which Card?

The Capital One Spark Miles for Business is best for business owners who seek flexible rewards on all spending and travel-related purchases without a hefty annual fee in the first year. In contrast, the Delta SkyMiles® Reserve American Express Card is ideal for frequent Delta flyers who will benefit from the extensive travel perks and are willing to pay a high annual fee for premium travel experiences.

Conclusion

Ultimately, the choice between the Capital One Spark Miles for Business and the Delta SkyMiles® Reserve American Express Card depends on your individual travel habits and financial goals. Consider your spending patterns and the travel benefits that matter most to you before making a decision.

“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.”