Delta SkyMiles® Gold American Express Card vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Delta SkyMiles® Gold American Express Card
American Express
4.1
Free first checked bag. 2x on Delta, restaurants, supermarkets.
Full review →
Capital One Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →WealthSpott Verdict
Delta SkyMiles® Gold American Express Card wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on how you spend.
Feature
Delta SkyMiles® Gold
Capital One Spark
Annual Fee
$150/yr
$150/yr
Sign-up Bonus
40,000 miles
Up to $1,200
Rewards Rate
1x-2x
2%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
21.49%-29.49% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
Delta SkyMiles® Gold American Express Card
Pros
- Free first checked bag on Delta ($60+ per round trip)
- Priority boarding on Delta flights
- 2x on Delta, restaurants, and supermarkets
- No foreign transaction fee
Cons
- $150 annual fee
- Miles tied to Delta only
- Modest everyday earning rate (1x)
Capital One Spark Cash Plus
Pros
- Unlimited 2% cash back on all purchases
- Up to $1,200 cash bonus
- No foreign transaction fee
Cons
- $150 annual fee
- Charge card — must pay in full monthly
- High spend required for full bonus
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