Delta SkyMiles® Gold Business vs Capital One Spark Cash Select
Side-by-side comparison
| Delta SkyMiles® Gold Business | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | $750 cash back | |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $654 | $675 |
| Points type | Locked to Delta SkyMiles | Pools with Capital One → transferable |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Delta SkyMiles® Gold Business earns about $654 a year in rewards and the Capital One Spark Cash Select about $675, valuing every point at a flat 1 cent. The Delta SkyMiles® Gold Business charges $150, which you clear through its rewards and perks. The Capital One Spark Cash Select has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Capital One Spark Cash Select delivers more total value, about $171 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and office supplies. The bigger difference is the ceiling: the Capital One Spark Cash Select earns points you can move to travel partners for outsized value, while the Delta SkyMiles® Gold Business stays locked to a single airline or hotel program. Favor the Capital One Spark Cash Select if you will use travel transfers, the Delta SkyMiles® Gold Business if you want simplicity. On the sign-up bonus, the Delta SkyMiles® Gold Business currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Delta SkyMiles® Gold Business if your spending leans toward advertising, shipping, travel. Pick the Capital One Spark Cash Select if your spending leans toward office supplies, phone & internet, everything else.