Costs & Pricing

Metric	Spark 1.5% Cash Select	Delta SkyMiles® Gold Business American Express Card
Annual fee	$0	$0 intro year 1, then $150 (first year of Card Membership only)
Employee card fee	$0	$0 (CMA: Annual Fee for Additional Cards: None)
Purchase APR	16.74%–26.74% variable after intro (based on creditworthiness)	19.49%–28.49% variable (Prime + 12.74% to Prime + 21.74%); placement by creditworthiness at account opening. APRs accurate as of 09/02/2026. No 0% intro.
Intro APR (purchases)	0% for 9 months, then 16.74%–26.74% variable	Not offered
Foreign transaction fee	$0	$0
Late payment fee	Not disclosed on public product page (aggregators: up to $39; cash-back hub footnote mentions 2.99% — unresolved)	Up to $39 (will not exceed Minimum Payment Due)

Rewards & Value

Metric	Spark 1.5% Cash Select	Delta SkyMiles® Gold Business American Express Card
Base earn rate	Unlimited 1.5% cash back on every purchase (no category restrictions)	1 SkyMile per $1 eligible purchases
Welcome bonus	$750 cash after $6,000 purchases in first 3 months	Conflict across official pages. Delta business-cards page: limited-time 90,000 bonus miles after $6,000 eligible purchases in the first 6 months — offer ends November 4, 2026. Amex product page (same period): evergreen-style 60,000 after $4,000 in the first 6 months with no end date. Treat 90k/$6k through 11/4/2026 as the live limited-time public offer; 60k/$4k as the fallback. Apply-flow T&Cs win.
Redemption value	Face-value cash (statement credit or check); any amount; does not expire while account is open	Pay with Miles = 1.0¢ ($50 off per 5,000 miles on delta.com). Award travel is dynamic; TakeOff 15 improves award pricing ~15% on Delta-operated flights only (not partner-operated, not taxes/fees). Do not assume transfer-partner value — this card does not transfer.
Transfer partners	Cash itself does not transfer. If you also hold a Capital One miles card, cash can convert at 1¢ = 1 mile (widely documented; not on the Select product page).	None. Currency is Delta SkyMiles, not Membership Rewards. No transfer-out to other airlines. Miles do not expire under Delta’s published policy; Delta may still deactivate an account and remove miles.

Credit & Eligibility

Metric	Spark 1.5% Cash Select	Delta SkyMiles® Gold Business American Express Card
Personal guarantee	Not quoted on product page; market practice = required for Capital One small-business revolving cards	Required in substance. CMA: Basic Card Member and Company remain jointly and severally liable for all charges. Quote the live application before publishing a legal excerpt.
Credit check	Hard pull on apply (commonly all three bureaus). Pre-approval advertised as no impact to personal score.	Know if you're approved with no impact on your personal credit score until acceptance. Business credit may be impacted on submit. Accepting the card may impact personal credit. Treated as a hard pull on accept in industry practice; Amex does not print “hard pull” on the marketing page.
Employee cards	Free; custom spend limits; card lock; account-manager role (primary remains liable)	$0 additional-card fee. Spend controls / alerts marketed; Account Manager role can add cards, pay, review transactions. Hard cap on number not disclosed on this product page — do not invent 99 unless the application states it.
Product type	Revolving business credit card (fixed credit line)	Revolving small-business credit card (published purchase APR, ADB interest, minimum-payment rule). Not a charge card. Not a corporate / net-terms spend platform.

Pros & Cons

Spark 1.5% Cash Select

Pros

• $0 annual fee; unlimited 1.5% cash back with no category tracking
• Live $750 / $6,000 / 3-month welcome bonus
• 9-month 0% intro APR on purchases
• $0 foreign-transaction fee; free employee cards that earn the same rate
• Cash back never expires while the account is open; redeem any amount

Cons

• 1.5% trails 2% flats and category-heavy Ink/Amex products at scale
• 5% travel only inside Capital One Business Travel; no lounge/GE credits
• Balance transfers not available
• Revolving Spark cards commonly report to personal credit
• Excellent-credit bar; full Schumer (late fee, penalty APR) not on the public product page

Delta SkyMiles® Gold Business American Express Card

Pros

• $0 year-1 fee then $150 — lowest annual fee in the Delta business lineup
• 1st checked bag free worldwide + 2nd bag free domestic (2026 add) can offset the AF in a few team trips
• 2X on uncapped restaurants plus capped U.S. shipping and U.S. digital/TV/radio ads
• $0 foreign-transaction fee and $0 employee cards (employee spend feeds the $10k flight-credit threshold)
• TakeOff 15 reduces Delta-metal award cost 15%

Cons

• Ongoing $150 AF with credits that are conditional, portal-locked, or enrollment-gated after renewal
• Miles are Delta-only — no Membership Rewards transfers
• No lounge, no GE/PreCheck credit, thinner insurance than Platinum/Reserve Business
• No 0% intro APR; carrying a balance is expensive (19.49%–28.49% as of 09/02/2026)
• Personal guarantee / joint and several liability; advertising 2X is MCC-narrow (media providers, not any marketing vendor)

Verdict

Spark 1.5% Cash Select

Spark Cash Select is the clean no-fee 1.5% Capital One option — plus a $750 bonus and 9 months of 0% on purchases. It is not Spark Cash Plus (NPSL, $150) and not Classic (fair credit, 1%). Best as a simple daily driver or year-1 0% tool; once annual spend is high enough that a 2% flat or category card wins, move the volume.

Delta SkyMiles® Gold Business American Express Card

This is the low-fee Delta business cobrand — not personal Delta Gold (supermarkets 2X), not Platinum/Reserve Business, and not Amex Business Gold (MR). Confirm the live apply-flow welcome (90k/$6k through 11/4/2026 on Delta vs 60k/$4k still on Amex’s product URL). Skip it if you will not fly Delta, want transferable points, need 0% float, or refuse a PG.