Delta SkyMiles® Gold American Express Card vs. Capital One Quicksilver Secured Cash Rewards
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 Quicksilver Secured Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. $200 minimum deposit.
Full review →WealthSpott Verdict
Delta SkyMiles® Gold American Express Card and Capital One Quicksilver Secured Cash Rewards are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Delta SkyMiles® Gold
Capital One Quicksilver
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
40,000 miles
None
Rewards Rate
1x-2x
1.5% on all purchases
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
None
Regular APR
21.49%-29.49% Variable Best
29.99%
Foreign Transaction Fee
None
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Recommended Credit Score
670-850
No credit or rebuilding
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 Quicksilver Secured Cash Rewards
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