Capital One Platinum Secured Credit Card vs Delta SkyMiles® Gold American Express Card

This comparison aims to help you decide between the Capital One Platinum Secured Credit Card and the Delta SkyMiles® Gold American Express Card. Both cards offer unique features and benefits tailored to different financial needs and goals.

Card Overviews

Capital One Platinum Secured Credit Card

• No annual or hidden fees. See if you're approved in seconds.
• Building your credit? Using the Capital One Platinum Secured card responsibly could help.
• Put down a refundable security deposit starting at $49 to get a $200 initial credit line.
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time.
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.
• Enjoy peace of mind with $0 Fraud Liability.
• Monitor your credit score with CreditWise from Capital One, free for everyone.
• Access your account 24/7 with online banking and the Capital One mobile app.

Delta SkyMiles® Gold American Express Card

• Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Enjoy a $0 introductory Annual Fee for the first year, then $150.
• Get 15% off when using miles to book Award Travel on Delta flights.
• $200 Delta Flight Credit after you spend $10,000 in purchases in a calendar year.
• Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
• Check your first bag free on Delta flights, saving up to $70 on a round-trip flight.
• Receive Zone 5 Priority Boarding on Delta flights.
• $100 Delta Stays Credit after booking prepaid hotels through Delta Stays.
• Take up to $50 off your flight for every 5,000 miles redeemed with Pay with Miles.
• Get a 20% statement credit on eligible Delta in-flight purchases.
• No Foreign Transaction Fees.
• Send & Split® feature to manage payments with Venmo or PayPal.
• Apply with confidence; know if you're approved with no impact to your credit score.

Detailed Feature Comparison

Rewards Highlights

• Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
• Earn 1X Mile on all other eligible purchases.

Pros and Cons

Capital One Platinum Secured Credit Card

• Pros:
• No annual fee
• Helps build credit with responsible use
• Refundable security deposit
• Fraud liability protection
• Free access to credit score monitoring

• Cons:
• Limited rewards structure
• Requires a security deposit

Delta SkyMiles® Gold American Express Card

• Pros:
• Generous welcome bonus
• Multiple travel benefits including free checked bag
• No foreign transaction fees
• Earn miles on various everyday purchases

• Cons:
• Annual fee after the first year
• Minimum spending requirement for bonus

Who Should Consider Which Card?

• Capital One Platinum Secured Credit Card: Ideal for those looking to build or rebuild credit without the burden of an annual fee. It's perfect for individuals who may not travel frequently but want to establish a solid credit history.
• Delta SkyMiles® Gold American Express Card: Best for frequent Delta travelers who can take advantage of the rewards structure, travel benefits, and the welcome bonus. This card suits those who spend regularly on travel and dining.

Conclusion

When choosing between the Capital One Platinum Secured Credit Card and the Delta SkyMiles® Gold American Express Card, consider your individual needs and spending patterns. Both cards cater to different audiences and financial goals, so evaluate which features align best with your lifestyle.

“Disclaimer: Opinions expressed here are the author's 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.”