Delta SkyMiles® Gold American Express Card vs. Capital One QuicksilverOne
Side-by-side comparison · Updated 2026 · Independently reviewed
Delta SkyMiles® Gold American Express Card
American Express
4.1
Free first checked bag. 2x on Delta, restaurants, supermarkets.
Full review →
Capital One QuicksilverOne
Capital One
4.4
1.5% cash back on every purchase. No annual fee.
Full review →WealthSpott Verdict
Capital One QuicksilverOne wins on more measurable categories — particularly annual cost. Delta SkyMiles® Gold American Express Card may still win for your wallet depending on your spending patterns.
Feature
Delta SkyMiles® Gold
Capital One QuicksilverOne
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
40,000 miles
None
Rewards Rate
1x-2x
1.5%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-29.49% Variable
19.99%-29.99% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
580-740
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)
Capital One QuicksilverOne
Pros
- Simple 1.5% on everything
- No foreign transaction fee
Cons
- No sign-up bonus
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