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Delta SkyMiles Platinum Amex vs Capital One Venture X

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 X leads by 15.0 pts. Scores: Delta SkyMiles Platinum Amex 59.3%, Capital One Venture X 74.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Delta SkyMiles Platinum Amex nets −$187/yr, Capital One Venture X nets $66/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeAmex: 5.0 · X: 5.0
• Rewards rateAmex: 4.5 · X: 10
• Sign-up bonusAmex: n/a · X: 10
• Intro 0% APRAmex: 0.0 · X: 0.0
• Regular APRAmex: 7.0 · X: 7.0
• Foreign transaction feeAmex: 10.0 · X: 10.0
• Regulatory record (CFPB)Amex: 10.0 · X: 10.0

Downsides

• Delta SkyMiles Platinum Amex59.3%
  American Express · travel
  Annual fee $350 (CFPB TCCP; issuer page did not render a clear fee)APR 19.74%–28.74% variableRewards 1% base; 2% dining; 2% groceriesCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $350 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)

• Capital One Venture X74.3%
  Capital One · travel
  Annual fee $395APR 19.74%–28.74% variableRewards 10x Capital One Travel hotels & rental cars; 5x flights & vacation rentals; 2x otherCredit Excellent

  ⚠ $395 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 Platinum Amex or Capital One Venture X?

On VaultRubric's rubric: Capital One Venture X 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.