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Capital One Savor vs Delta SkyMiles Reserve Business: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Savor Cash Rewards card is ideal for those who spend frequently on dining, entertainment, streaming services, and groceries.
- The Delta SkyMiles® Reserve Business American Express card is designed for business owners who frequently travel with Delta and value premium travel experiences.
Capital One Savor Cash Rewards Breakdown
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Why We Like It
This section breaks down why we like the Capital One Savor Cash Rewards Credit Card .
- It offers strong cash back rewards on popular categories like dining, entertainment, and streaming services.
- Cardholders pay no foreign transaction fees, making it a great companion for international travel.
- The card provides access to exclusive Capital One Entertainment events, offering unique experiences beyond just rewards.
Pros
- Redeeming your rewards is straightforward, with flexible options like statement credits or travel and no minimum redemption amount.
- You get access to exclusive Capital One Entertainment events and valuable travel and purchase protections.
- Cash back can be converted to miles if you also have a Capital One Venture card, offering great versatility for your rewards.
Cons
- A good to excellent credit score is generally required for approval.
- Bonus rewards on groceries don't apply to purchases at superstores and wholesale clubs.
- The card is less valuable if your spending habits don't align with its specific bonus categories.
Delta SkyMiles® Reserve Business American Express Breakdown
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Why We Like It
This section breaks down the key reasons we're fans of the Delta SkyMiles® Reserve Business American Express Card(See Rates & Fees).
- It offers a suite of premium travel perks, including airport lounge access and priority boarding, to make flying with Delta more comfortable.
- Cardholders can get on an accelerated path to elite status and receive priority for complimentary upgrades.
- The valuable annual companion certificate lets you bring a travel partner on a domestic flight each year after you renew your 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
- Enjoy premium travel benefits like complimentary access to Delta Sky Club® lounges and an annual companion certificate for domestic flights.
- Accelerate your path to Medallion® status and receive priority for complimentary upgrades on eligible flights.
- Travel more smoothly with a free first checked bag for you and your companions, plus priority boarding.
Cons
- Its high annual fee and Delta-centric benefits make it a poor fit for those who don't fly the airline regularly.
- Major perks, including the companion certificate and lounge access, are subject to significant restrictions and limitations.
- The card’s benefits may overlap with the personal version of the Delta Reserve card, making it potentially redundant for some users.
Delta SkyMiles® Reserve Business American Express vs Capital One Savor Cash Rewards
Categories
Deciding which is better, the Capital One Savor or Delta SkyMiles Reserve Business, comes down to understanding their distinct purposes and how they align with your spending habits.
- Capital One Savor Cash Rewards Credit Card - This card is designed for individuals whose spending is concentrated on dining, entertainment, and groceries. It's ideal for those who want straightforward cash back on everyday lifestyle purchases.
- Delta SkyMiles® Reserve Business American Express Card - This card caters to business owners and professionals who are frequent Delta flyers. It focuses on providing premium travel benefits and accelerating airline status.
Redemption
Capital One Savor Cash Rewards Credit Card: Rewards are earned as cash back, which can be redeemed as a statement credit or a check. This offers straightforward flexibility for those who prefer tangible returns on their spending.
Delta SkyMiles® Reserve Business American Express Card: Rewards are earned as miles, which are primarily redeemed for flights with Delta and its partner airlines. The value of these miles is maximized when used for travel, including seat upgrades and other airline-specific perks.
Compare Top Rated Credit Cards with Kudos
To eliminate the guesswork, a tool like Kudos can provide data-driven, personalized recommendations by allowing you to compare thousands of cards based on your actual spending.
- Test drive a credit card: Before you apply, you can simulate your potential earnings with a new card based on your real transaction history, giving you a clear picture of its net value.
- Get personalized approval odds: Kudos provides a detailed analysis based on your credit report to help you understand your chances of getting approved.
- Track sign-up bonuses: Monitor your progress toward earning a new card’s welcome offer for free.
- Discover personalized matches: Find new credit cards that are matched to your unique spending patterns.
Who Should Choose the Capital One Savor Cash Rewards?
The Capital One Savor Cash Rewards card is tailor-made for consumers whose spending heavily features dining out and entertainment. With unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, it’s an ideal fit for urban professionals and active families looking to maximize rewards on their everyday expenses. Since the card also has no annual fee and no foreign transaction fees, it’s a strong, cost-effective choice for both daily use and international travel.
Who Should Choose the Delta SkyMiles® Reserve Business American Express?
The Delta SkyMiles® Reserve Business American Express is designed for business owners and professionals who frequently fly with Delta and want to maximize their loyalty. It's particularly valuable for those pursuing Medallion status, as spending on the card helps you qualify faster while providing premium perks like Delta Sky Club® access. Additionally, companies with multiple employees or significant travel budgets can benefit from its expense management tools and shared travel benefits, such as the annual companion certificate. Terms apply to American Express benefits and offers.
Alternatives to Consider
If our Capital One Savor vs Delta SkyMiles Reserve Business comparison has you convinced that neither the Capital One Savor Cash Rewards Card nor the Delta SkyMiles® Reserve Business American Express® Card is for you, let's look at a few other excellent alternatives.
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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 to ensure it meets the good-to-excellent requirement for most premium cards.
- Review your spending habits to confirm they align with the card’s bonus categories and benefits.
- Understand issuer-specific rules, such as welcome offer eligibility, before submitting your application.
Application Strategy
- Time your application before a large planned purchase to help meet the minimum spending requirement for the welcome offer.
- Know the issuer's process, as some, like American Express, may show your personalized offer before a hard credit inquiry.
- Prepare your information ahead of time, including loyalty program numbers for co-branded cards or business details for business cards.
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 dining and entertainment spending?
The Capital One Savor card is specifically designed for these categories, offering high cash back rates on dining, entertainment, and popular streaming services. The Delta SkyMiles Reserve Business American Express Card focuses its rewards on Delta purchases and does not offer bonus rewards in these areas.
Can I access airport lounges with either card?
The Delta SkyMiles Reserve Business American Express Card provides complimentary access to Delta Sky Clubs and The Centurion Lounge when you have a same-day Delta flight (Terms Apply). The Capital One Savor card does not offer airport lounge access as a benefit.
Are these cards for personal or business use?
The Capital One Savor is a personal credit card designed for individual spending habits. As its name suggests, the Delta SkyMiles Reserve Business American Express Card is a business credit card intended for company expenses.
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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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