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CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs Delta SkyMiles Reserve Business Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Delta SkyMiles Reserve Business Card card art
Delta SkyMiles
Delta SkyMiles Reserve Business Card
American Express
More Info
Annual Fee
$150/yr
$650/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
125,000 points
Spend $15,000 in 6 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • Delta Purchases 3x
  • Transit/Rideshares 1.5x
  • U.S. Shipping Providers 1.5x
Reward Type
cashback
miles
Key Credits
None
  • Statement Credit $10
  • Statement Credit $20
Card Perks
None listed
  • Delta Sky Club Access
  • First Checked Bag Free
  • Priority Boarding
  • +2 more
Spend Milestones
No milestones
  • Unlimited Delta Sky Club Access
    After $75,000 spend
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
No transfer partners
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Common Questions: Capital One Spark Cash Plus vs Delta SkyMiles Reserve Business Card

Is the Capital One Spark Cash Plus or Delta SkyMiles Reserve Business Card better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Capital One Spark Cash Plus currently offers 200,000 pts signup bonus (spend $30,000 in 3 months). Delta SkyMiles Reserve Business Card offers 125,000 pts signup bonus (spend $15,000 in 6 months). Capital One Spark Cash Plus has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Capital One Spark Cash Plus and the Delta SkyMiles Reserve Business Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Capital One Spark Cash Plus is from Capital One and Delta SkyMiles Reserve Business Card is from American Express, so they're governed by separate bank policies.