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Capital One Savor Cash Rewards Credit Card vs Delta SkyMiles® Gold American Express Card
This comparison aims to help you decide between the Capital One Savor Cash Rewards Credit Card and the Delta SkyMiles® Gold American Express Card. Both cards offer unique rewards and benefits tailored to different spending habits and preferences.
Card Overviews
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is designed for those who enjoy dining out and entertainment. With no annual fee and lucrative cash back rewards, it is ideal for consumers who frequently shop at grocery stores, dine out, and travel.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card caters to frequent travelers, particularly those who fly with Delta Airlines. It offers a blend of travel perks, bonus miles, and fare discounts, making it a great choice for loyal Delta customers.
Detailed Feature Comparison
| Feature | Capital One Savor Cash Rewards Credit Card | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 introductory annual fee for the first year, then $150 |
| Welcome Bonus | One-time $200 cash bonus after spending $500 in the first 3 months | 50,000 Bonus Miles after spending $2,000 in the first 6 months |
| Rewards Structure | 3% cash back on grocery stores, dining, entertainment, 1% on other purchases | 2X Miles on Delta purchases, at U.S. supermarkets, restaurants; 1X Miles on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Balance transfer fee applies | None specified |
| Additional Benefits | Cash back never expires; 0% intro APR on purchases for 15 months | Various travel perks including free checked bag, priority boarding |
Rewards Highlights
Capital One Savor Cash Rewards Credit Card
- 8% Cash Back on Capital One Entertainment purchases
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- 1% Cash Back on all other purchases
Delta SkyMiles® Gold American Express Card
- 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 Savor Cash Rewards Credit Card
- Pros:
- No annual fee
- Generous cash back rewards on dining and entertainment
- Easy cash redemption with no expiration
- Cons:
- Not ideal for frequent travelers
- Balance transfer fees apply
Delta SkyMiles® Gold American Express Card
- Pros:
- Strong rewards for Delta flights and travel-related purchases
- First checked bag free on Delta flights
- Introductory annual fee waiver
- Cons:
- Annual fee after the first year
- Rewards primarily benefit Delta travelers
Who Should Consider Which Card?
Capital One Savor Cash Rewards Credit Card: Best for individuals or families who spend significantly on dining, groceries, and entertainment and prefer cash back rewards with no annual fee.
Delta SkyMiles® Gold American Express Card: Ideal for frequent Delta Airlines travelers who can take advantage of the travel benefits, including bonus miles and discounts on flights, and who are comfortable with an annual fee after the first year.
Conclusion
Both the Capital One Savor Cash Rewards Credit Card and the Delta SkyMiles® Gold American Express Card offer unique benefits designed for different spending patterns. Consider your individual needs and financial goals to determine which card aligns best with your lifestyle.