CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Delta SkyMiles Gold American Express Card ($150/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Capital One
American Express
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Delta Airlines | 2X | 2X |
The Capital One Venture X Rewards Credit Card wins in 3 of 3 categories. The Delta SkyMiles Gold American Express Card leads in 0.
Hotels
Capital One Venture X Rewards Credit Card earns 2X vs 1X
Flights
Capital One Venture X Rewards Credit Card earns 2X vs 1X
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $245 more than the Delta SkyMiles Gold American Express Card ($150/yr). To justify that gap, you need to extract at least $245 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $245 difference is moderate. If you spend consistently on hotels and flights, the Capital One Venture X Rewards Credit Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Delta SkyMiles Gold American Express Card means losing:
Choosing Capital One Venture X Rewards Credit Card means losing:
The Delta SkyMiles Gold American Express Card has a lower annual fee ($150 vs $395), making it the more accessible option.
The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.
Choose the Delta SkyMiles Gold American Express Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Delta SkyMiles Gold American Express Card ($150/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Capital One
American Express
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Delta Airlines | 2X | 2X |
The Capital One Venture X Rewards Credit Card wins in 3 of 3 categories. The Delta SkyMiles Gold American Express Card leads in 0.
Hotels
Capital One Venture X Rewards Credit Card earns 2X vs 1X
Flights
Capital One Venture X Rewards Credit Card earns 2X vs 1X
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $245 more than the Delta SkyMiles Gold American Express Card ($150/yr). To justify that gap, you need to extract at least $245 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $245 difference is moderate. If you spend consistently on hotels and flights, the Capital One Venture X Rewards Credit Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Delta SkyMiles Gold American Express Card means losing:
Choosing Capital One Venture X Rewards Credit Card means losing:
The Delta SkyMiles Gold American Express Card has a lower annual fee ($150 vs $395), making it the more accessible option.
The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.
Choose the Delta SkyMiles Gold American Express Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Delta SkyMiles Gold American Express Card ($150/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Capital One
American Express
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Delta Airlines | 2X | 2X |
The Capital One Venture X Rewards Credit Card wins in 3 of 3 categories. The Delta SkyMiles Gold American Express Card leads in 0.
Hotels
Capital One Venture X Rewards Credit Card earns 2X vs 1X
Flights
Capital One Venture X Rewards Credit Card earns 2X vs 1X
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $245 more than the Delta SkyMiles Gold American Express Card ($150/yr). To justify that gap, you need to extract at least $245 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $245 difference is moderate. If you spend consistently on hotels and flights, the Capital One Venture X Rewards Credit Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing Delta SkyMiles Gold American Express Card means losing:
Choosing Capital One Venture X Rewards Credit Card means losing:
The Delta SkyMiles Gold American Express Card has a lower annual fee ($150 vs $395), making it the more accessible option.
The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.
Choose the Delta SkyMiles Gold American Express Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Delta Purchases | 2X | 2X |
| Dining | 2X | 2X |
| Flights | 2X | 1X |
| Grocery Stores | 2X | 2X |
| Hotels | 2X | 1X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One Venture X Rewards Credit Card if you:
Get the Delta SkyMiles Gold American Express Card if you:
| Delta Purchases | 2X | 2X |
| Dining | 2X | 2X |
| Flights | 2X | 1X |
| Grocery Stores | 2X | 2X |
| Hotels | 2X | 1X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One Venture X Rewards Credit Card if you:
Get the Delta SkyMiles Gold American Express Card if you:
| Delta Purchases | 2X | 2X |
| Dining | 2X | 2X |
| Flights | 2X | 1X |
| Grocery Stores | 2X | 2X |
| Hotels | 2X | 1X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One Venture X Rewards Credit Card if you:
Get the Delta SkyMiles Gold American Express Card if you: