Capital One Venture X Rewards vs Delta SkyMiles Gold American Express

The Capital One Venture X Rewards ($395/year) and the Delta SkyMiles Gold American Express ($150/year) compete on different axes. The Capital One Venture X Rewards's strongest category is 10x on Hotels & Cars (Capital One), while the Delta SkyMiles Gold American Express leads with 2x on Delta Air Lines purchases. The Capital One Venture X Rewards costs $245 more per year, so you need at least $245 in incremental rewards to justify it over the Delta SkyMiles Gold American Express. At typical spend levels this breaks even somewhere between $7,350 and $14,700 in bonus-category purchases annually. Our model scores these cards effectively even (3-2). Pick the Capital One Venture X Rewards if you spend heavily on hotels & cars (capital one); pick the Delta SkyMiles Gold American Express if you spend heavily on delta air lines purchases.

Too close to call — pick based on your primary spending category