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Compare the Features and Benefits of Capital One VentureOne Rewards Credit Card and
Delta SkyMiles® Reserve American Express Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Secondary Car Rental CDW Waiver
Purchase Protection
Extended Warranty
Trip Protections
No Foreign Transaction Fees
Concierge Services
Free Access to Credit Score
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Earns Transferable Points
Airport Lounge Access
Annual Statement Credits
Free Checked Bags
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Cell Phone Protection
Return Protection
Travel and Emergency Assistance Services
Metal Card
Amex Offers
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance transfer fee applies
Best Multiplier
5x Hotels

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

5x Car Rentals

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

1.25x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
20,000 miles when you spend $500 within 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) 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 no-annual-fee VentureOne Rewards Card is almost identical to the $95 per year Capital One Venture card with two major differences: It earns 1.25x miles per dollar on most purchases (while the Venture earns 2x), and it has less of a generous sign up bonus.

With the ability to transfer miles to travel partners or use miles to cover the cost of whatever travel charges you wish — along with a simple rewards structure — the VentureOne card is a decent no-annual-fee option. On the earnings front, Capital One miles are pretty much as easy as it gets. You’ll earn rewards at a rate of 1.25X miles per dollar spent on pretty much everything, with 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel. That’s a bit lower than many other cards on the market, but on the flip side, many of those cards don’t offer the ability to outright transfer rewards to airlines and hotels, either.

capital one ventureone

Capital One’s redemption process is similar to other programs, such as Amex Membership Rewards and Chase Ultimate Rewards, with transferable points often providing a higher value for your travel rewards. Some high-value ways to use Capital One miles include redeeming with Air Canada Aeroplan, Turkish Miles & Smiles, and Virgin Red (redeem miles for Virgin Voyages and Virgin Atlantic). For simplicity’s sake, you can also book travel however you want, then redeem miles for a statement credit for some or all of the cost. Miles are worth a flat 1 cent apiece when redeemed this way — and there’s no minimum redemption amount.

On top of all of that, there’s a respectable array of travel and purchase protections (similar to the Capital One Venture Rewards Credit Card but not nearly as robust as the $395-per-year Capital One Venture X Rewards credit card).

This card is really best suited for those that are adamant about not paying an annual fee, want the flexibility to redeem their rewards for cash back, airline miles, or hotel points, and have no desire to be charged pesky foreign transaction fees when they travel abroad.

One “trick” worth knowing is that Capital One allows you to combine from a cash back card to another cash back card or from a cash back card to a miles card. So you could, for example, have both this card and a SavorOne card (with multipliers for dining and entertainment) and then combine your cash from the SavorOne to your VentureOne miles. They would convert at one point per cent.

Lastly, how might you decide between the Venture and the VentureOne when the Venture has an annual fee of $95, but earns 2X miles per dollar vs. 1.25 miles per dollar on the VentureOne?

The calculation is that at roughly $12,500 in annual spend, you would be better off, even with the $95 annual fee, with the Capital One Venture Rewards Credit Card as the additional rewards earned become more than the annual fee.

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Earns Transferable Points
yes
Airport Lounge Access
no
Annual Statement Credits
no
Free Checked Bags
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Cell Phone Protection
no
Return Protection
no
Travel and Emergency Assistance Services
no
Metal Card
no
Amex Offers
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.68) 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

There are many reasons why frequent Delta flyers look toward the carrier’s top product: the Delta Reserve card with a $650 annual fee. This rewards card provides outstanding benefits when you’re flying Delta, but be prepared to pay a pretty penny.

First and foremost, you can get complimentary access to the Delta Sky Club, The Centurion Lounge, or Escape Lounge locations when presenting a same-day boarding pass with Delta Air Lines, giving you ample space to rest up, grab a meal or a drink, and get work done in the airport. While guest access isn’t included, you can bring up to two guests for a $50 per-person rate, or you can cash in your two guest passes that you’ll be awarded every card membership year.

Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

family, hike, travel

The annual companion certificate can also save you hundreds of dollars on Delta flights, as it’s eligible for round trip domestic, Caribbean, or Central American roundtrip flights in any class of service including First Class.

You’ll just need to pay the government imposed taxes and fees of less than $80 for domestic and $250 for international round trips — a steal for a second ticket on Delta Air Lines.

Furthermore, Delta SkyMiles Reserve cardholders receive unmatched status boost benefits for those who can meet the certain benchmarks.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns $1 MQD (Medallion Qualifying Dollars) for every $10 spent on eligible purchases with your Card – plus a $2,500 MQD boost each calendar year just for holding the Card.

The Delta Reserve card is also popular for elites as it provides upgrade priority over other Medallion members at the same status tier. Two elite members may be on the same elite status level, but with the Delta Reserve credit card, you’ll get higher priority on the upgrade list — which can mean all the difference in a sea of elite members.

And you’ll also receive up to $560 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card (Enrollment Required) and up to $200 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

You may be thinking that the Delta Reserve card is only targeted for those chasing Delta’s frequent flyer status. However, you may be surprised to find that the Delta SkyMiles Reserve card is also a fantastic choice for those without status but who want elite-like benefits.

Case in point: you and up to eight companions on the same reservation can bring your first checked bag free. And you can still get access to complimentary seat upgrades, although you’ll be placed on the bottom of the list after Medallion members.

There’s a long list of benefits that also come with the Delta Reserve card, such as the statement credit for Global Entry/TSA PreCheck, 15% award discount when redeeming for SkyMiles flights and travel and purchase protection benefits.

Simply put: it’s a huge step-up for Delta loyalists.

Rates and Fees for the Delta SkyMiles® Reserve American Express Card

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Earns Transferable Points
no
Airport Lounge Access
yes
Annual Statement Credits
yes
Free Checked Bags
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Car Rental Status
yes
Cell Phone Protection
yes
Return Protection
yes
Travel and Emergency Assistance Services
yes
Metal Card
yes
Amex Offers
yes

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