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

This comparison aims to help you decide between the Capital One Spark Cash and the Delta SkyMiles® Platinum American Express Card. Both cards offer unique features suited for different spending habits and preferences, so let's explore their offerings in detail.

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash card is designed for businesses looking to earn straightforward cash back on every purchase. With a generous rewards structure and no foreign transaction fees, it caters well to business owners who want to simplify their expenses while maximizing cash rewards.

Delta SkyMiles® Platinum American Express Card

The Delta SkyMiles® Platinum American Express Card is tailored for frequent Delta flyers, offering a robust rewards program that emphasizes travel benefits. With valuable perks like complimentary upgrades, priority boarding, and discounts on award travel, it is ideal for consumers who prioritize travel and rewards associated with Delta Airlines.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Cash Rewards

• 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 American Express Card Rewards

• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.

Pros and Cons

Capital One Spark Cash Pros and Cons

• Pros:
• Generous cash back rewards on all purchases
• No foreign transaction fees
• Free employee cards
• Easy cash back redemption
• Introductory annual fee

• Cons:
• Annual fee after the first year
• No travel-specific benefits

Delta SkyMiles® Platinum American Express Card Pros and Cons

• Pros:
• Extensive travel perks and benefits
• Generous welcome bonus
• Free checked bag and priority boarding
• Companion certificate each year

• Cons:
• Higher annual fee
• Rewards best suited for Delta travelers

Who Should Consider Which Card?

The Capital One Spark Cash is ideal for business owners and individuals who want a straightforward cash back program without the need for travel-related benefits. If your spending habits include diverse purchases across different categories, this card offers a solid rewards rate without complications.

On the other hand, the Delta SkyMiles® Platinum American Express Card caters to frequent travelers, particularly those loyal to Delta Airlines. If you travel often and value perks like free checked bags, priority boarding, and the ability to earn miles towards future flights, this card may be the better choice for you.

Conclusion

In conclusion, both the Capital One Spark Cash and Delta SkyMiles® Platinum American Express Card offer valuable features tailored to different audiences. Consider your spending patterns, travel habits, and personal preferences to make an informed choice that aligns 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.”