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

This comparison aims to provide an informative overview of the Capital One Spark Cash and the Delta SkyMiles® Reserve American Express Card. By examining their features, rewards, and benefits, users can make an informed decision based on their individual spending habits and financial goals.

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash is designed for businesses that want to maximize cash back on every purchase. It offers a straightforward rewards structure with no categories or limits, making it ideal for small business owners looking to earn consistent cash back.

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card is tailored for frequent Delta travelers. It provides a host of travel benefits, including lounge access, bonus miles, and travel-related credits, making it an excellent choice for those who fly with Delta regularly.

Detailed Feature Comparison

Rewards Highlights

Delta SkyMiles® Reserve American Express Card Rewards

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

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.

Pros and Cons

Capital One Spark Cash

• Pros:
  • $0 annual fee for the first year.
  • Unlimited 2% cash back on all purchases.
  • No foreign transaction fees.
  • Rewards do not expire.
• Cons:
  • $95 annual fee after the first year.
  • Less suited for frequent travelers.

Delta SkyMiles® Reserve American Express Card

• Pros:
  • Comprehensive travel benefits including lounge access.
  • Generous welcome bonus and rewards on Delta purchases.
  • Multiple travel-related credits.
• Cons:
  • High annual fee of $650.
  • Best suited for Delta frequent flyers.

Who Should Consider Which Card?

• Capital One Spark Cash: Ideal for small business owners and individuals who want to earn consistent cash back on all purchases without worrying about categories or limits.
• Delta SkyMiles® Reserve American Express Card: Best for frequent Delta travelers who can take full advantage of travel perks like lounge access and companion certificates.

Conclusion

Both credit cards offer unique benefits tailored to different user needs. The Capital One Spark Cash is perfect for those seeking cash back simplicity, while the Delta SkyMiles® Reserve American Express Card caters to avid Delta flyers looking for travel rewards. Consider your individual spending patterns and travel habits to choose the card that best 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.”