The Capital One Venture X Rewards Credit Card is a more versatile travel card with a lower annual fee and higher earning rate on general spending, making it suitable for a broader range of travelers. The Delta SkyMiles Reserve American Express Card is better suited for frequent Delta flyers who can take advantage of the Delta-specific benefits like priority boarding, free checked bags, and Delta Sky Club access.
| Attribute | Capital One Venture X Rewards Credit Card | Delta SkyMiles Reserve American Express Card |
|---|---|---|
| Annual Fee | $395 | $650 |
| Welcome Bonus | 75,000 bonus miles after spending $4,000 on purchases within the first 3 months of account opening | 100,000 bonus miles after spending $6,000 in eligible purchases within the first 6 months |
| Earning Rate on General Spending | 2 miles per dollar on all purchases | 1 mile per dollar |
| Earning Rate on Travel Purchases | 10 miles per dollar on hotels and rental cars booked through Capital One Travel; 5 miles per dollar on flights and vacation rentals booked through Capital One Travel | 3 miles per dollar on Delta purchases and Delta Vacations |
| Earning Rate on Dining | Not available | Not specified as a bonus category |
| Travel Credit | $300 annual credit for bookings through Capital One Travel | $200 Delta Stays credit for prepaid hotels or vacation rentals booked through Delta Stays |
| Airport Lounge Access | Complimentary access to Capital One Lounges and Priority Pass lounges | Complimentary access to Delta Sky Clubs (15 visits per year) when flying Delta. Unlimited visits can be unlocked after spending $75,000 on the card in a calendar year. Access to American Express Centurion Lounges when flying Delta. Four one-time guest passes to Delta Sky Clubs each year. After using the passes, guests can enter for $50 per person. |
| TSA PreCheck/Global Entry Credit | Up to $120 credit for Global Entry or TSA PreCheck | Statement credit of $120 every 4 years for Global Entry or up to $85 every 4.5 years for TSA PreCheck |
| Foreign Transaction Fees | None | None |
| Delta Sky Club Access | Not explicitly mentioned as a card benefit | Complimentary access to Delta Sky Club airport lounges up to three hours before your departing flight (or longer if you have a layover). Limited to 15 visits annually unless you spend $75,000 or more on the card. Four one-time guest passes each year. |
| Priority Boarding on Delta Flights | Not explicitly mentioned as a card benefit | Zone 5 priority boarding for the cardholder and up to eight companions on the same reservation |
| Free Checked Bag on Delta Flights | Not explicitly mentioned as a card benefit | First checked bag free for the cardholder and up to eight companions on the same itinerary |