Capital One Quicksilver Cash Rewards Credit Card vs Delta SkyMiles® Platinum American Express Card

This comparison aims to help you decide between the Capital One Quicksilver Cash Rewards Credit Card and the Delta SkyMiles® Platinum American Express Card. Both cards offer unique benefits tailored to different spending habits and goals.

Card Overviews

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is designed for individuals seeking straightforward cash back rewards without the hassle of rotating categories or annual fees. It is ideal for everyday spending and offers a generous welcome bonus for new cardholders.

Delta SkyMiles® Platinum American Express Card

The Delta SkyMiles® Platinum American Express Card is tailored for frequent travelers, especially those loyal to Delta Airlines. This card offers substantial rewards for Delta purchases, additional travel benefits, and opportunities to earn Medallion Qualification Dollars (MQD).

Detailed Feature Comparison

Rewards Highlights

Capital One Quicksilver Cash Rewards Credit Card Rewards

• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
• Earn unlimited 1.5% cash back on every purchase, every day.

Delta SkyMiles® Platinum American Express Card Rewards

• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.

Pros and Cons

Capital One Quicksilver Cash Rewards Credit Card

• Pros:
• No annual fee
• Simple cash back rewards structure
• Generous welcome bonus
• No foreign transaction fees

• Cons:
• Lower rewards rate compared to travel cards
• Less valuable for frequent travelers

Delta SkyMiles® Platinum American Express Card

• Pros:
• Extensive travel benefits
• Generous rewards on Delta purchases
• Companion Certificate each year
• No foreign transaction fees

• Cons:
• High annual fee
• More complex benefits may be less appealing for casual users

Who Should Consider Which Card?

Consider the Capital One Quicksilver Cash Rewards Credit Card if you:

• Prefer a straightforward cash back rewards program.
• Want to avoid annual fees and foreign transaction fees.
• Are looking for a card for everyday purchases.

Consider the Delta SkyMiles® Platinum American Express Card if you:

• Are a frequent Delta traveler and want to maximize travel rewards.
• Value travel-related perks like free checked bags and priority boarding.
• Are willing to pay an annual fee for additional benefits.

Conclusion

Both the Capital One Quicksilver Cash Rewards Credit Card and the Delta SkyMiles® Platinum American Express Card offer valuable rewards, but they cater to different audiences. Consider your individual needs, spending habits, and travel preferences to choose the card that aligns best with your financial goals.

“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.”