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 (7.7/10 vs 7.2/10).
| Scored on | Capital One Spark Miles | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 5 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 intro; $95 thereafter | $650 |
| Foreign Transaction Fee | None | None |
| Purchase APR | 25.99% (Variable) | 21.24% - 29.24% variable |
| Late Payment Fee | Up to $39 | Up to $40 |
| Transfer Fee | None | — |
Capital One Spark Miles in one paragraph
A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Skip it if: Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
Delta SkyMiles Reserve Business American Express Card in one paragraph
The ultimate status-booster for Delta-devoted business owners who prioritize airport luxury over raw cashback.
Skip it if: You don't live near a Delta hub or you spend less than $50,000 annually on your business card.
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 (7.7/10 vs 7.2/10). A reliable, high-floor rewards engine for owners who want to earn 2x travel miles on every dollar without managing categories.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could damage your personal credit score due to Capital One's reporting practices.
Who should skip Delta SkyMiles Reserve Business American Express Card?
You don't live near a Delta hub or you spend less than $50,000 annually on your business card.