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Comparison of Capital One Venture Rewards Credit Card vs Delta SkyMiles® Reserve Business American Express Card
This comparison aims to assist users in deciding between the Capital One Venture Rewards Credit Card and the Delta SkyMiles® Reserve Business American Express Card by examining their key features, rewards, and benefits.
Card Overviews
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is designed for travelers who value flexibility and simplicity. With its robust rewards structure and a variety of travel benefits, this card appeals to those who want to earn miles on everyday purchases as well as travel spending.
Delta SkyMiles® Reserve Business American Express Card
The Delta SkyMiles® Reserve Business American Express Card is tailored for frequent Delta flyers looking for premium travel benefits. With a focus on enhancing the travel experience, this card offers exclusive perks such as lounge access, companion certificates, and valuable rewards on Delta purchases.
Detailed Feature Comparison
| Feature | Capital One Venture Rewards Credit Card | Delta SkyMiles® Reserve Business American Express Card |
|---|---|---|
| Annual Fee | $95 | $650 |
| Welcome Bonus | 75,000 bonus miles after spending $4,000 in the first 3 months | 80,000 bonus miles after spending $10,000 in the first 6 months |
| Rewards Structure | 2X miles on every purchase, 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel | 3 miles per dollar on eligible Delta purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | $250 travel credit after booking prepaid hotels or vacation rentals through Delta Stays |
| Additional Benefits | Global Entry/TSA PreCheck credit, transfer miles to 15+ travel loyalty programs | Delta Sky Club access, Companion Certificate, priority boarding, baggage fee waiver |
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® Reserve Business American Express Card
- Earn 3 miles per dollar on eligible Delta purchases.
Pros and Cons
Capital One Venture Rewards Credit Card
- Pros: Low annual fee, flexible rewards redemption, generous welcome bonus.
- Cons: Lower rewards rate on non-travel purchases compared to Delta card.
Delta SkyMiles® Reserve Business American Express Card
- Pros: Comprehensive travel benefits, lounge access, high rewards on Delta purchases.
- Cons: High annual fee, significant spending requirement for welcome bonus.
Who Should Consider Which Card?
- Capital One Venture Rewards Credit Card: Ideal for casual travelers or those who want to earn rewards on everyday spending without being locked into a specific airline.
- Delta SkyMiles® Reserve Business American Express Card: Best suited for frequent Delta flyers who can take advantage of the card's premium travel benefits and are willing to pay a higher annual fee for enhanced perks.
Conclusion
Both the Capital One Venture Rewards Credit Card and the Delta SkyMiles® Reserve Business American Express Card offer valuable benefits and rewards. It ultimately comes down to your travel habits, spending patterns, and whether you prefer flexibility or airline-specific perks. Consider your individual needs when making a decision.