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Capital One Quicksilver Student Cash Rewards Credit Card vs Delta SkyMiles® Gold American Express Card
This comparison aims to help users decide between the Capital One Quicksilver Student Cash Rewards Credit Card and the Delta SkyMiles® Gold American Express Card. Each card has unique features and benefits that cater to different financial habits and goals.
Card Overviews
Capital One Quicksilver Student Cash Rewards Credit Card
The Capital One Quicksilver Student Cash Rewards Credit Card is designed for students looking to build their credit while earning cash back on their purchases. With no annual fee and straightforward rewards, this card is an excellent option for those starting their financial journey.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is tailored for frequent travelers, particularly those who fly with Delta Airlines. It offers various travel-related benefits, including bonus miles and discounts on flights, making it an ideal choice for Delta loyalists.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Student Cash Rewards Credit Card | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 introductory annual fee for the first year, then $150 |
| Welcome Bonus | $50 after spending $100 in first 3 months | 50,000 Bonus Miles after spending $2,000 in first 6 months |
| Rewards Structure | 1.5% cash back on every purchase | 2X Miles on Delta purchases, U.S. supermarkets, restaurants; 1X Mile on all other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | No hidden fees | No hidden fees |
| Additional Benefits | $0 Fraud Liability, mobile app features | Free checked bag, boarding priority, flight credits |
Rewards Highlights
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases.
Pros and Cons
Capital One Quicksilver Student Cash Rewards Credit Card
- Pros:
- No annual fee
- Simple cash back rewards
- Early spend bonus
- No foreign transaction fees
- Great for students building credit
- Cons:
- Lower rewards rate compared to travel cards
- Limited travel benefits
Delta SkyMiles® Gold American Express Card
- Pros:
- Generous welcome bonus
- Travel benefits such as free checked bags and priority boarding
- Ability to earn miles for future travel
- No foreign transaction fees
- Cons:
- Annual fee after the first year
- More beneficial primarily for Delta travelers
Who Should Consider Which Card?
- Capital One Quicksilver Student Cash Rewards Credit Card: Ideal for students or individuals looking to build their credit with straightforward cash back rewards.
- Delta SkyMiles® Gold American Express Card: Best suited for frequent Delta travelers who will benefit from travel perks and are looking to earn miles for future flights.
Conclusion
When choosing between the Capital One Quicksilver Student Cash Rewards Credit Card and the Delta SkyMiles® Gold American Express Card, it's essential to consider your individual needs and spending habits. Whether you prioritize cash back rewards or travel benefits will ultimately guide your decision.