Capital One Spark Cash Plus vs Delta SkyMiles Reserve Business American Express Card: which one fits your business?
Side-by-side comparison of Capital One Spark Cash Plus and Delta SkyMiles Reserve Business American Express Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Cash Plus wins on our scorecard (7.9/10 vs 7.2/10).
| Scored on | Capital One Spark Cash Plus | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 5 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $150 (Refundable) | $650 |
| Late Payment Fee | 2.99% of balance | Up to $40 |
| Foreign Transaction Fee | None | $0 |
| Employee Card Fee | $0 | — |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
Capital One Spark Cash Plus in one paragraph
A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Skip it if: You need to carry a balance from month to month or have a credit score below 700.
Delta SkyMiles Reserve Business American Express Card in one paragraph
A high-priced status engine that makes sense only for Delta-dependent owners spending over $60k annually.
Skip it if: Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.
Read the full Delta SkyMiles Reserve Business American Express Card review
Frequently asked questions
Which is better, Capital One Spark Cash Plus or Delta SkyMiles Reserve Business American Express Card?
On our five-axis scorecard, Capital One Spark Cash Plus scores higher (7.9/10 vs 7.2/10). A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance from month to month or have a credit score below 700.
Who should skip Delta SkyMiles Reserve Business American Express Card?
Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.