Capital One Platinum Secured vs. Delta SkyMiles® Gold American Express Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →
Delta SkyMiles® Gold American Express Card
American Express
4.1
Free first checked bag. 2x on Delta, restaurants, supermarkets.
Full review →WealthSpott Verdict
Capital One Platinum Secured and Delta SkyMiles® Gold American Express Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One Platinum
Delta SkyMiles® Gold
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
None
40,000 miles
Rewards Rate
0%
1x-2x
Rewards Type
None
Miles
0% Intro APR
N/A
N/A
Regular APR
29.99% Variable
21.49%-29.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
Delta SkyMiles® Gold American Express Card
Pros
- Free first checked bag on Delta ($60+ per round trip)
- Priority boarding on Delta flights
- 2x on Delta, restaurants, and supermarkets
- No foreign transaction fee
Cons
- $150 annual fee
- Miles tied to Delta only
- Modest everyday earning rate (1x)
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