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Side-by-side

Delta SkyMiles Reserve Business American Express Card vs Capital One Savor

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Capital One Savor from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Delta SkyMiles Reserve Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($590 more in estimated value) than the Capital One Savor's. Get the Delta SkyMiles Reserve Business American Express Card first; revisit the Capital One Savor after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardCapital One Savor
Annual fee$650$0
Sign-up bonus70,000 miles$250 cash back
Bonus value (est.)$840$250
Min spend to unlock bonus$6,000 in 6 mo$500 in 3 mo
IssuerAmerican ExpressCapital One
Card categoryairlinecashback
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • 3% dining + entertainment
  • 3% grocery + streaming
  • No annual fee
  • No foreign tx fees
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 70,000 miles
Read the full review
Capital One Savor
$0/yr · $250 cash back

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

Editorial take: Capital One Savor

If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Capital One Savor?
The Delta SkyMiles Reserve Business American Express Card has the bigger bonus, 70,000 miles, worth roughly $840, versus $250 cash back (~$250) on the Capital One Savor.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Capital One Savor?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The Capital One Savor at $0/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Capital One Savor?
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 Reserve Business American Express Card or the Capital One Savor first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $6,000 spend in 6 months. Capital One Savor: $500 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.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.