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Capital One Savor vs Delta SkyMiles Platinum Business: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Savor Cash Rewards Credit Card is ideal for those who spend frequently on dining, entertainment, and at grocery stores.
- The Delta SkyMiles® Platinum Business American Express Card is designed for business owners who are loyal to Delta and want to earn travel perks and elite status.
Capital One Savor Cash Rewards Breakdown
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Why We Like It
Here’s a closer look at why we’re fans of the Capital One Savor Cash Rewards card.
- The Capital One Savor Cash Rewards Credit Card is a fantastic choice for those who frequently dine out or enjoy various forms of entertainment.
- International travelers will appreciate the absence of foreign transaction fees on purchases made abroad.
- With straightforward redemption options and no annual fee, this card provides excellent value without extra costs.
Pros
- Cardholders get access to exclusive entertainment events and Capital One’s travel portal.
- It comes with useful travel protections and security features for added peace of mind.
- Rewards can be converted to miles if you have an eligible Capital One travel card.
Cons
- Approval generally requires a good to excellent credit history.
- Bonus rewards for spending at grocery stores may not apply to purchases from superstores or wholesale clubs.
- Cash back rewards cannot be transferred to travel partners without also having an eligible Capital One travel card.
Delta SkyMiles® Platinum Business American Express Breakdown
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Why We Like It
This section breaks down why we like the Delta SkyMiles® Platinum Business American Express Card (See Rates & Fees).
- It's an ideal choice for business owners who frequently fly with Delta, offering a variety of valuable travel perks.
- The card provides a straightforward path to earning elite status with the airline, which can significantly improve your travel experience.
- Its benefits are well-aligned with typical business needs, enhancing both travel and day-to-day operations.
Terms apply to American Express benefits and offers.
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 an annual companion certificate, allowing you to bring a travel partner along each year upon renewal.
- Provides a direct path to earning Delta Medallion® elite status through card spending, unlocking premium perks without requiring extra flights.
- Includes a variety of travel-centric benefits such as baggage allowances, priority boarding, and statement credits for expedited security programs.
Cons
- Carries a notable annual fee that isn't waived for the first year.
- Key benefits like the companion certificate and lounge access come with significant restrictions.
- The value of SkyMiles can be unpredictable, making it difficult to maximize reward redemptions.
Delta SkyMiles® Platinum Business American Express vs Capital One Savor Cash Rewards
Categories
When deciding which is better, Capital One Savor or Delta SkyMiles Platinum Business, it's essential to consider the primary spending categories each card is designed to reward.
- Capital One Savor Cash Rewards Credit Card: This card is designed for food enthusiasts and entertainment seekers, aligning with those who spend frequently on dining, entertainment, and popular streaming services.
- Delta SkyMiles® Platinum Business American Express Card: Tailored for business owners who are loyal to Delta, this card is best for those seeking to enhance their travel experience with airline-specific perks.
Redemption
Capital One Savor Cash Rewards Credit Card: Rewards are earned as straightforward cash back. This can be redeemed for a statement credit or a check, offering simple and flexible value.
Delta SkyMiles® Platinum Business American Express Card: This card earns miles that are deposited into your Delta SkyMiles account. These miles are best used for booking flights with Delta and its airline partners or for upgrading your seats. Terms apply.
Compare Top Rated Credit Cards with Kudos
To make an informed decision, you can use a tool like Kudos to compare nearly 3,000 credit cards and find the best fit for your spending habits.
- The 'Test Drive' feature lets you simulate how much you could earn with a new card based on your actual spending history, all without a hard credit pull.
- Receive a detailed analysis of your approval odds based on your credit report.
- A welcome offer guarantee that matches any better offer you find within three months.
- Unlock $100 in Kudos Kickstart+ Rewards when you add select approved cards to your Kudos Wallet.
- Earn extra rewards on top of your card's rewards when you shop at participating stores with Kudos Boost.
- Get personalized card recommendations based on an analysis of your spending patterns.
Who Should Choose the Capital One Savor Cash Rewards?
The Capital One Savor Cash Rewards Credit Card is a great fit for entertainment enthusiasts and foodies, particularly urban professionals and active families who spend a significant amount on dining out. It rewards these habits with unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, all without an annual fee. Additionally, the card is a smart choice for travelers, as it charges no foreign transaction fees on purchases made abroad.
Who Should Choose the Delta SkyMiles® Platinum Business American Express?
The Delta SkyMiles® Platinum Business American Express Card is tailor-made for business owners who frequently fly with Delta Air Lines. It's particularly beneficial for those looking to fast-track their way to Medallion status and take advantage of airline-specific perks. Small to medium-sized businesses with moderate travel needs will find significant value, especially if they can maximize benefits like the annual companion certificate and free checked bags for their team.
Alternatives to Consider
If our Capital One Savor vs Delta SkyMiles Platinum Business comparison showed that neither card is quite right for you, don't fret. Let's explore a few other top-tier rewards cards that could be a perfect fit for your wallet.
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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 cards require good to excellent credit for approval.
- Plan your spending to ensure you can naturally meet the welcome offer requirements.
- Review issuer-specific rules as you may not be eligible for a welcome offer if you have or have had the card before.
Application Strategy
- Time your application before a large planned purchase to help meet the welcome offer spending requirement.
- Understand issuer nuances as some, like Capital One, consider qualitative factors while others may require specific business information.
- Use application tools to check for elevated offers and see personalized terms before a hard inquiry.
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
Can I use a business credit card for personal expenses?
It's generally a bad idea to mix business with pleasure on your credit card. Keeping your spending separate avoids major accounting headaches and, more importantly, maintains the legal separation that protects your personal assets if your business runs into trouble.
How do I choose between a cash back card and a travel rewards card?
It really boils down to your lifestyle and what you value more: simplicity or specialized perks. A cash back card offers straightforward, flexible rewards, while a travel card can deliver outsized value on flights and travel benefits if you're loyal to a particular brand.
Is an annual fee on a credit card ever worth it?
Absolutely, as long as you're getting more value from the card's benefits than what you're paying for the fee. Do a quick calculation of the perks—like travel credits, free checked bags, or bonus rewards—to see if the card pays for itself and then some.
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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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