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Capital One Venture X Rewards Credit Card vs Delta SkyMiles® Gold American Express Card
This comparison aims to assist users in deciding between the Capital One Venture X Rewards Credit Card and the Delta SkyMiles® Gold American Express Card. Both cards offer unique benefits and rewards structures tailored to different types of travel enthusiasts. Below, we explore each card's features in detail.
Card Overviews
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is designed for frequent travelers seeking premium rewards and benefits. With a higher annual fee, it offers significant travel perks, including lounge access and bonus miles on travel-related purchases.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is tailored for Delta Airlines loyalists. It provides benefits such as free checked bags and discounts on Delta flights, making it a great choice for those who frequently fly with Delta.
Detailed Feature Comparison
| Feature | Capital One Venture X Rewards Credit Card | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $395 | $0 introductory annual fee for the first year, then $150 |
| Welcome Bonus | 75,000 bonus miles when you spend $4,000 in the first 3 months | 50,000 bonus miles after spending $2,000 in the first 6 months |
| Rewards Structure | 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights and vacation rentals, 2X miles on all other purchases | 2X miles on Delta purchases, U.S. supermarkets, and restaurants; 1X mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | $300 annual credit for bookings, 10,000 bonus miles yearly, lounge access, $120 credit for Global Entry/TSA PreCheck | Free first checked bag, priority boarding, $200 Delta Flight Credit, up to $100 Delta Stays Credit |
Rewards Highlights
Delta SkyMiles® Gold American Express Card Rewards
- 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.
Capital One Venture X Rewards Credit Card Rewards
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
- Earn 10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
- Earn 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
- Earn 2 Miles per dollar on every purchase, every day.
Pros and Cons
Capital One Venture X Rewards Credit Card Pros and Cons
- Pros:
- High rewards earning potential on travel-related purchases.
- Complimentary access to numerous airport lounges.
- Annual credits significantly offset the annual fee.
- Cons:
- High annual fee may not justify the benefits for infrequent travelers.
- Complex rewards structure may be overwhelming for some users.
Delta SkyMiles® Gold American Express Card Pros and Cons
- Pros:
- No annual fee for the first year.
- Benefits specifically tailored for Delta Airlines travelers.
- Free first checked bag saves money on Delta flights.
- Cons:
- Limited to Delta and partner airlines for best rewards.
- Lower rewards earning potential on non-Delta purchases.
Who Should Consider Which Card?
The Capital One Venture X Rewards Credit Card is ideal for travelers who value comprehensive travel rewards, lounge access, and a variety of travel-related benefits. It's best suited for those who frequently travel and can utilize the premium perks it offers.
The Delta SkyMiles® Gold American Express Card is perfect for users who primarily fly with Delta Airlines and want to maximize their rewards through Delta's offerings. It’s a great fit for occasional travelers seeking to save on Delta flights, especially with the first-year fee waiver.
Conclusion
Ultimately, the choice between the Capital One Venture X Rewards Credit Card and the Delta SkyMiles® Gold American Express Card depends on your travel habits and financial goals. Consider how often you travel, which airlines you prefer, and the types of rewards that align with your lifestyle when making your decision.