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Capital One Spark Cash vs Delta SkyMiles® Gold Business American Express Card
This comparison aims to help you decide between the Capital One Spark Cash and the Delta SkyMiles® Gold Business American Express Card. Both cards offer unique features and benefits tailored to different spending habits and preferences. Let's explore the details to see which card might be the best fit for you.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that want to earn cash back on all purchases. It offers a straightforward rewards structure with unlimited cash back, making it ideal for those who prefer simplicity and flexibility in managing expenses.
Delta SkyMiles® Gold Business American Express Card
The Delta SkyMiles® Gold Business American Express Card is perfect for frequent travelers, especially those who fly with Delta. It provides opportunities to earn miles on travel-related purchases and various travel perks, catering to business owners who prioritize travel rewards.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Delta SkyMiles® Gold Business 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 | Earn $750 cash back once you spend $7,500 in the first 3 months | Earn 60,000 Bonus Miles after spending $4,000 in first 6 months |
| Rewards Structure | 2% cash back on every purchase | 2 miles per dollar at U.S. Shipping and Advertising, 2 miles at restaurants and Delta, 1 mile on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | Terms and limitations apply |
| Additional Benefits | Free employee cards, cash back never expires | First Checked Bag Free, $200 Delta Flight Credit after $10,000 in purchases |
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® Gold Business American Express Card
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on purchases.
Pros and Cons
Capital One Spark Cash
- Pros: Unlimited 2% cash back, no foreign transaction fees, free employee cards.
- Cons: Higher spending requirement for welcome bonus, annual fee after the first year.
Delta SkyMiles® Gold Business American Express Card
- Pros: Travel perks with Delta, generous welcome bonus, additional travel credits.
- Cons: Annual fee after the first year, rewards primarily benefit Delta travelers.
Who Should Consider Which Card?
The Capital One Spark Cash is ideal for business owners who want a simple cash back structure without worrying about category limitations. It suits those who frequently make diverse purchases across various categories.
The Delta SkyMiles® Gold Business American Express Card is better suited for businesses that travel often, particularly with Delta, as it offers valuable travel rewards and benefits that enhance the overall travel experience.
Conclusion
When choosing between the Capital One Spark Cash and the Delta SkyMiles® Gold Business American Express Card, consider your individual spending habits and financial goals. Both cards offer unique benefits that appeal to different types of users, so it's essential to choose the one that aligns best with your lifestyle and business needs.