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Compare the Features and Benefits of Capital One QuicksilverOne Cash Rewards Credit Card and
Delta SkyMiles® Gold Business American Express Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Trip Protections
Free Access to Credit Score
No Foreign Transaction Fees
Free Checked Bags
Priority Boarding
Annual Statement Credits
Secondary Car Rental CDW Waiver
Purchase Protection
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Amex Offers
Annual Fee
$39
Avg. Min. Credit Score
580-850 *
Ongoing APR
29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Car Rentals

When booked via Capital One Travel; otherwise earn 1.5X

5x Hotels

When booked via Capital One Travel; otherwise earn 1.5X

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
None at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One QuicksilverOne Cash Rewards Credit Card is similar to the Capital One Quicksilver Cash Rewards Credit Card with a few main exceptions.

  • The Capital One QuicksilverOne Cash Rewards credit card requires a credit score of only around 600, while the The Capital One Quicksilver Cash is looking for a FICO around 700.
  • The Capital One QuicksilverOne does not offer any car rental CDW / LDW coverage.
  • The Capital One QuicksilverOne charges a $39 annual fee whereas the Quicksilver has no annual fee.
  • The Capital One QuicksilverOne Cash Rewards credit card does not have any introductory 0% APR offers or 0% intro balance transfers while the Quicksilver offers both.
  • The Quicksilver offers a higher credit line.
  • You can expect to be automatically considered for a credit limit increase for your Capital One QuicksilverOne Cash Rewards credit card after 6 months if you are making on-time payments.

With QuicksilverOne, you will never pay any foreign transaction fees, and you’ll earn 1.5% cash back on all eligible purchases. If you book travel via the Capital One Travel portal, you’ll earn 5% on hotels and rental cars (1.5% if booked outside of Capital One Travel).

You’ll also get 6 months of Uber One, which at $9.99 a month, is worth about $60.

uber-capital-one-quicksilverone-cash-rewards-credit-carduber-capital-one-quicksilverone-cash-rewards-credit-card-scaled

PRO TIP:

If you have another credit card which earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles for Business, you can transfer your cash from your QuicksilverOne Cash Rewards credit card to those cards, where they become Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Here’s a list of Capital One Miles airline and hotel transfer partners

Capital One Miles
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
Aeromexico1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Finnair1:1Instant
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD
Read more
Unique Card Benefits
yes
Extended Warranty
yes
Trip Protections
yes
Free Access to Credit Score
yes
No Foreign Transaction Fees
yes
Free Checked Bags
no
Priority Boarding
no
Annual Statement Credits
no
Secondary Car Rental CDW Waiver
no
Purchase Protection
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Amex Offers
no
Annual Fee
$0 Introductory Annual Fee for the first year, then $150 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Shipping

U.S. providers only

2x Advertising (Online / TV / Radio)

U.S. providers only

2x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 75,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.85) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Delta flyers who own a business have several options to choose from when looking for a new business credit card. To maximize your business expenses and earn SkyMiles at the same time, the Delta SkyMiles Gold Business Card is an affordable option. The annual fee is waived during the introductory year of card membership and is a reasonable $150 after that.

Besides earning the splashy welcome bonus, there are many ways to rack up SkyMiles through each eligible dollar spent. You’ll earn 2x bonus miles on Delta purchases and at restaurants plus on U.S shipping and select U.S. media purchases, as well as 1x miles on other purchases. The shipping and select media categories have a limit of $50,000 per year each.

shipping-delta-skymiles-gold-business-american-express-card

The TakeOff 15 benefit is reserved for Delta’s cardholders, allowing you to score a 15% discount on the cost of Delta award flights. This discount is applied automatically on your Delta account whenever you conduct online flight searches, as long as your Delta Business Amex card is linked. This perk can help you save more of your SkyMiles for future travel. Furthermore, if your business spends more than $10,000 per year on the card, you can easily earn a $100 Delta flight credit every card membership year.

If you travel often and have to check a bag, you can enjoy a checked bag waiver, saving you $30 per flight. This perk applies to up to eight additional travelers on your Delta flight, which can add up greatly throughout the year and compensate for the ongoing $99 annual fee. Other essential travel benefits include no foreign transaction fee, baggage insurance plan, and secondary car rental collision damage waiver insurance, which will surely be of use for many business travelers.

Plus, receive an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. Terms apply.

In short, the Delta SkyMiles Gold Business Card offers a solid foundation of benefits when flying with the carrier. If you’re looking for greater perks, such as lounge access before departing or upon arrival, you may want to consider other Delta business cards that carry higher annual fees but come with additional benefits.

Otherwise, this entry-level business card is the right choice to earn bonus miles on select business categories and earn Delta benefits.

Rates and Fees for the Delta SkyMiles® Gold Business American Express Card

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Trip Protections
yes
Free Access to Credit Score
yes
No Foreign Transaction Fees
no
Free Checked Bags
yes
Priority Boarding
yes
Annual Statement Credits
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Amex Offers
yes

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