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Capital One SavorOne Student Cash Rewards Credit Card vs Delta SkyMiles® Gold American Express Card
This comparison aims to help you decide between the Capital One SavorOne Student Cash Rewards Credit Card and the Delta SkyMiles® Gold American Express Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
Card Overviews
Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student Cash Rewards Credit Card is designed for students who want to earn cash back on everyday purchases without worrying about annual fees. Its rewards structure focuses on dining, entertainment, and grocery spending, making it ideal for students who enjoy socializing and dining out.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is tailored for frequent travelers, especially those who fly with Delta Airlines. With a range of travel-related benefits, including bonus miles and flight credits, this card is perfect for individuals looking to maximize their travel rewards while enjoying premium airline perks.
Detailed Feature Comparison
| Feature | Capital One SavorOne 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 the first three months | 50,000 Bonus Miles after spending $2,000 in the first 6 months |
| Rewards Structure | 3% cash back on dining, entertainment, and grocery stores; 1% on other purchases | 2X Miles on Delta purchases, U.S. Supermarkets, and restaurants; 1X Miles on other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | None | None listed |
| Additional Benefits | Access to Capital One Entertainment and travel deals | Free first checked bag, priority boarding, Delta Flight Credit |
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 SavorOne Student Cash Rewards Credit Card
- Pros: No annual fee, cash back on a wide variety of categories, early spend bonus.
- Cons: Limited to cash back rewards, not focused on travel benefits.
Delta SkyMiles® Gold American Express Card
- Pros: Strong travel rewards, first checked bag free, bonus miles for spending.
- Cons: Annual fee after the first year, may not benefit non-travelers.
Who Should Consider Which Card?
The Capital One SavorOne Student Cash Rewards Credit Card is ideal for students or individuals who prioritize cash back on everyday spending, especially for dining and entertainment. Conversely, the Delta SkyMiles® Gold American Express Card is better suited for frequent travelers who primarily fly with Delta and want to maximize their travel rewards and benefits.
Conclusion
Ultimately, your choice between the two cards should reflect your individual spending habits and financial objectives. Consider whether you prefer cash back rewards or travel benefits to make the best decision for your needs.