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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Reserve Business Capital One Venture Rewards

American Express Delta SkyMiles Reserve Business

$650/yr

Delta SkyMiles Reserve Business
Venture Rewards

Capital One Venture Rewards

$95/yr

Every $1 · two cards

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

  • Dining
    1×1.2¢ per $1
    2×3.6¢ per $1
  • Groceries
    1×1.2¢ 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 RewardsBigger welcome offer: American Express Delta SkyMiles Reserve Business

American Express

Delta SkyMiles Reserve Business

Annual fee
$650
Network
amex
Welcome value
~$2,400
Min spend
$20,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 1.5×All other purchases · Delta SkyMiles
  • 1.5×Office supplies · Delta SkyMiles
  • 1×All other purchases · Delta SkyMiles

Key benefits

  • Companion Certificate · $350
  • $250 Delta Stays Credit · $250
  • First Checked Bag Free · $140
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $240 Resy Credit · $20
Full American Express Delta SkyMiles Reserve Business 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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