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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Gold Capital One Venture Rewards

American Express Delta SkyMiles Gold

$150/yr

Delta SkyMiles Gold
Venture Rewards

Capital One Venture Rewards

$95/yr

Every $1 · two cards

American Express Delta SkyMiles Gold earns more in 0 of 9 categories · Capital One Venture Rewards in 8

  • Dining
    2×2.4¢ per $1
    2×3.6¢ per $1
  • Groceries
    2×2.4¢ per $1
    2×3.6¢ per $1
  • Gas
    1×1.2¢ per $1
    2×3.6¢ per $1
  • Flights
    1×1.2¢ per $1
    2×3.6¢ per $1
  • Hotels
    1×1.2¢ per $1
    5×9¢ per $1

    via Capital One Travel

  • Everything else
    1×1.2¢ per $1
    2×3.6¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Capital One Venture Rewards

American Express

Delta SkyMiles Gold

Annual fee
$150
Network
amex
Welcome value
—
Min spend
$2,000 / 6mo

Top earning rates

  • 2×Restaurants plus takeout and delivery in the U.S. · SkyMiles
  • 2×Delta Purchases · SkyMiles
  • 2×Dining · SkyMiles
  • 2×Groceries · SkyMiles

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • First Checked Bag Free · $140
  • $100 Delta Stays Credit · $100
  • $120 Rideshare Credit · $10
  • Amex Special Ticket Access · $0
Full American Express Delta SkyMiles Gold review

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture Rewards review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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