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Capital One Venture Rewards Credit Card vs Delta SkyMiles® Blue American Express Card
This comparison aims to help you decide between the Capital One Venture Rewards Credit Card and the Delta SkyMiles® Blue American Express Card. Both cards offer unique features appealing to different types of users, so understanding their benefits and drawbacks is essential for making an informed choice.
Card Overviews
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is designed for travelers who want a flexible rewards program with a straightforward earning structure. It offers a solid welcome bonus and benefits that cater to frequent travelers.
Delta SkyMiles® Blue American Express Card
The Delta SkyMiles® Blue American Express Card targets Delta Airlines customers and those who frequently dine out. With no annual fee, this card is ideal for casual travelers looking to earn miles without extra costs.
Detailed Feature Comparison
| Feature | Capital One Venture Rewards Credit Card | Delta SkyMiles® Blue American Express Card |
|---|---|---|
| Annual Fee | $95 | $0 |
| Welcome Bonus | 75,000 bonus miles after spending $4,000 in the first 3 months | 10,000 bonus miles after spending $1,000 in the first 6 months |
| Rewards Structure | 2X miles on every purchase; 5X on hotels, vacation rentals, and rental cars booked through Capital One Travel | 2X miles at restaurants and on Delta purchases; 1X mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | $250 travel credit, Global Entry/TSA PreCheck credit, no expiration on miles | 20% savings on Delta in-flight purchases, Pay with Miles option |
Rewards Highlights
Capital One Venture Rewards Credit Card
- 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2 Miles per dollar on every purchase, every day
Delta SkyMiles® Blue American Express Card
- Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- Earn 2X Miles per dollar spent on Delta purchases.
- Earn 1X Mile on all other eligible purchases.
Pros and Cons
Capital One Venture Rewards Credit Card
- Pros:
- Generous welcome bonus
- Flexible redemption options
- No expiration on miles
- Comprehensive travel benefits
- Cons:
- Annual fee of $95
- Higher spending requirement for welcome bonus
Delta SkyMiles® Blue American Express Card
- Pros:
- No annual fee
- Bonus miles on dining and Delta purchases
- Pay with Miles feature
- Cons:
- Lower overall rewards rate
- Limited to Delta for travel benefits
Who Should Consider Which Card?
- Consider the Capital One Venture Rewards Credit Card if you:
- Travel frequently and want flexible redemption options
- Prefer a higher rewards rate on all purchases
- Are willing to pay an annual fee for additional benefits
- Consider the Delta SkyMiles® Blue American Express Card if you:
- Are a casual traveler looking for a no-fee credit card
- Frequent Delta Airlines and want to earn miles toward flights
- Dine out often and want to earn rewards on restaurant purchases
Conclusion
Both the Capital One Venture Rewards Credit Card and the Delta SkyMiles® Blue American Express Card offer distinct advantages depending on your preferences and spending habits. Evaluate your travel habits, where you spend the most, and your financial goals to determine which card best fits your lifestyle.