Capital One Spark Miles vs Delta SkyMiles Reserve Business American Express Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles 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 Miles wins on our scorecard (8/10 vs 7.2/10).
| Scored on | Capital One Spark Miles | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 10 | 5 |
| Customer support | 6 | 7 |
| Features | 7 | 9 |
| Annual Fee | $0 | $650 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 20.99% - 28.99% Variable | 21.24% - 29.24% (Variable) |
| Late Payment Fee | Up to $39 | Up to $40 |
Capital One Spark Miles in one paragraph
A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Skip it if: Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
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 Miles or Delta SkyMiles Reserve Business American Express Card?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.2/10). A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
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.