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Capital One Savor vs Delta SkyMiles Gold Business: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Savor Cash Rewards Credit Card is an excellent choice for food enthusiasts and entertainment seekers who spend regularly on dining out, events, and at grocery stores.
- The Delta SkyMiles® Gold Business American Express Card is a great option for business owners who are loyal to Delta Air Lines and travel regularly for work.
Capital One Savor Cash Rewards Breakdown
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Why We Like It
Here's a breakdown of what makes the Capital One Savor Cash Rewards Credit Card a team favorite.
- It offers a simple and straightforward rewards structure, making it easy to earn cash back without tracking complicated categories.
- The card is an excellent companion for travelers, offering no foreign transaction fees and access to helpful travel protections.
- Cardholders can unlock exclusive access to special entertainment events and experiences.
Pros
- Earns rewards on popular spending categories, including dining, entertainment, popular streaming services, and at grocery stores.
- Redeeming cash back is straightforward, with no minimum amount required for statement credits or direct deposits.
- Cash back can be converted to miles if you also hold an eligible Capital One travel rewards card.
Cons
- A good to excellent credit score is typically required for approval.
- Bonus rewards at grocery stores exclude purchases from some merchants, like superstores and wholesale clubs.
- Cash back can only be converted to miles if you also hold an eligible Capital One travel card.
Delta SkyMiles® Gold Business American Express Breakdown
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Why We Like It
This section breaks down the key reasons we like the Delta SkyMiles® Gold Business American Express.
- The Delta SkyMiles® Gold Business American Express card (See Rates & Fees) provides a suite of practical travel benefits for businesses that frequently fly with Delta.
- It comes equipped with business-specific features that help streamline expense management and accounting.
- This card is a great entry point into travel rewards for small businesses, offering valuable perks without the commitment of a premium card.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Pros
- Features a generous Welcome Offer for new cardholders to earn bonus miles.
- Includes valuable travel perks on Delta flights, such as a free first checked bag and priority boarding.
- Provides business-specific tools to help manage expenses, including employee cards and accounting software integration.
Cons
- Offers limited premium travel benefits, lacking complimentary lounge access and a companion certificate.
- Does not provide statement credits for expedited security programs like TSA PreCheck or Global Entry.
- Reward rates on certain business categories are less competitive, and the card doesn't offer a direct path to accelerate Medallion status.
Delta SkyMiles® Gold Business American Express vs Capital One Savor Cash Rewards
Categories
Deciding which is better, Capital One Savor or Delta SkyMiles Gold Business, comes down to your primary spending habits and whether your focus is on lifestyle rewards or travel benefits for your business.
- Capital One Savor Cash Rewards Credit Card: This card is ideal for individuals and families with significant spending on dining, entertainment, and groceries who prefer a straightforward rewards program.
- Delta SkyMiles® Gold Business American Express Card: This card is tailored for small business owners who are frequent Delta flyers and have moderate travel needs that don't require premium perks.
Redemption
Capital One Savor Cash Rewards: Rewards are earned as cash back, which you can redeem as a statement credit or a check. This offers a simple and direct way to get value back from your spending without navigating complex travel portals.
Delta SkyMiles® Gold Business American Express: This card earns Delta SkyMiles, which are best used for booking flights with Delta and its partner airlines. Miles can also be redeemed for other travel perks, such as seat upgrades or vacation packages. Terms Apply.
Compare Top Rated Credit Cards with Kudos
Kudos is a financial companion that helps you compare thousands of credit cards to find the best one based on your actual spending habits.
- Test drive credit cards: You can simulate your potential earnings with any card using your real spending data before you apply, with no impact on your credit score.
- Personalized recommendations: Get matched with the best card for you based on your spending history, not generic advice.
- Approval odds: See a detailed analysis of your approval chances based on your credit report.
- Kudos Kickstart+: Unlock $100 in Kickstart+ Rewards when you add select approved cards to your Kudos Wallet.
- Welcome offer guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
- Kudos Boost: Earn extra rewards on top of your card's rewards when you shop at participating stores.
Who Should Choose the Capital One Savor Cash Rewards?
The Savor Cash Rewards card is a great fit for social butterflies and foodies who frequently spend on dining out and entertainment. It also caters to families with its unlimited 3% cash back at grocery stores and on popular streaming services, plus the lack of foreign transaction fees makes it a solid companion for international travel. Ultimately, this card is best for anyone—from urban professionals to active families—who wants to earn simple, unlimited cash back on their everyday lifestyle spending without paying an annual fee.
Who Should Choose the Delta SkyMiles® Gold Business American Express?
The Delta SkyMiles® Gold Business American Express Card is a great fit for small business owners who frequently fly with Delta but don't require premium travel perks like complimentary lounge access. It's designed for companies with moderate travel needs, offering practical benefits such as a free first checked bag and priority boarding to streamline business travel. Additionally, businesses that spend in bonus categories like U.S. advertising and shipping can maximize their rewards, and the option for no-additional-cost employee cards simplifies expense management (Terms apply to American Express benefits and offers).
Alternatives to Consider
If our Capital One Savor Cash Rewards Card vs. Delta SkyMiles® Gold Business American Express Card comparison has left you feeling like neither is the perfect match, don't worry. There are plenty of other excellent rewards cards on the market that might better suit your spending habits and travel goals.
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Tips for Application Success
Before You Apply
- Check your credit score: Most rewards cards require good to excellent credit for approval.
- Plan your spending: Make sure you can meet any welcome offer spending requirements without overspending.
- Have a rewards plan: Know how you'll use your points or cash back before you apply to maximize their value.
Application Strategy
- Use pre-qualification tools - Check your likelihood of approval without impacting your credit score.
- Know the issuer rules - Be aware of application restrictions, such as once-per-lifetime welcome offer policies.
- Choose the right card type - Understand the differences between applying for a personal versus a business card.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.
Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.
Frequently Asked Questions
Which card is better for earning rewards on dining?
The Capital One Savor card is specifically designed to maximize rewards on dining and entertainment, making it a strong choice for that category. The Delta SkyMiles Gold Business Card's rewards are more focused on travel with Delta and specific business spending categories.
Can I use the rewards from one card on the other's platform?
No, the rewards programs are entirely separate and not interchangeable. Capital One Savor rewards are managed through Capital One, while the Delta SkyMiles Gold Business Card earns Delta SkyMiles, which are part of the Delta Air Lines loyalty program.
Is the Delta SkyMiles Gold Business Card only for business owners?
Yes, the American Express® Delta SkyMiles Gold Business Card is a business credit card and requires you to have a business to apply. This can include full-time businesses, side hustles, or freelance work.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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