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

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Business American Express Card or Capital One Spark Cash?

The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus 70,000 miles (~$791) on the Delta SkyMiles Platinum Business American Express Card.

Is the Delta SkyMiles Platinum Business American Express Card's $350 annual fee worth it compared to the Capital One Spark Cash?

At $350/yr, the Delta SkyMiles Platinum Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Spark Cash's, pick the one whose perks you'll actually use.

Can I have both the Delta SkyMiles Platinum Business American Express Card and Capital One Spark Cash?

Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Delta SkyMiles Platinum Business American Express Card or the Capital One Spark Cash first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Business American Express Card: $6,000 spend in 6 months. Capital One Spark Cash: $10,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.