Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Capital One Venture leads by None pts. Scores: Delta SkyMiles Gold Amex 52.1%, Capital One Venture 77.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Delta SkyMiles Gold Amex nets $13/yr, Capital One Venture nets $366/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeAmex: 5.0 · Venture: 8.0
Rewards rateAmex: 4.5 · Venture: 9.5
Sign-up bonusAmex: n/a · Venture: 10
Intro 0% APRAmex: 0.0 · Venture: 0.0
Regular APRAmex: 7.0 · Venture: 7.0
Foreign transaction feeAmex: n/a · Venture: 10.0
Regulatory record (CFPB)Amex: 10.0 · Venture: 10.0
Annual fee $150 ($0 introductory annual fee the first year, then $150)APR 19.74%–28.74% variableRewards 1% base; 2% dining; 2% groceriesCredit not found
⚠ $150 annual fee ($0 introductory annual fee the first year, then $150) · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)
Annual fee $95APR 19.74%–28.74% variableRewards 2x miles on every purchase; 5x Capital One Travel hotels, vacation rentals, rental carsCredit Excellent
⚠ $95 annual fee · APR up to 28.74% if you carry a balance · Late fee up to $40
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Delta SkyMiles Gold Amex or Capital One Venture?
On VaultRubric's rubric: Capital One Venture scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.