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Delta SkyMiles Reserve Business American Express Card vs Capital One Venture X

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Capital One Venture X from Capital One at $395/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Capital One Venture X, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureDelta SkyMiles Reserve Business American Express CardCapital One Venture X
Annual fee$650$395
Sign-up bonus125,000 miles75,000 miles
Bonus value (est.)$1,413$1,238
Min spend to unlock bonus$15,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressCapital One
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNonecapital-one
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • $300 annual travel credit
  • 10,000 anniversary miles
  • Capital One Lounges
  • 2x on all other purchases
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 125,000 miles
Read the full review
Capital One Venture X
$395/yr · 75,000 miles

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

Editorial take: Capital One Venture X

The best value premium travel card. $300 travel credit, Priority Pass, 10,000 anniversary miles, and a massive transfer partner list, all for $395. It's hard to beat.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Capital One Venture X?
The Delta SkyMiles Reserve Business American Express Card has the bigger bonus, 125,000 miles, worth roughly $1,413, versus 75,000 miles (~$1,238) on the Capital One Venture X.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Capital One Venture X?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The Capital One Venture X at $395/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Capital One Venture X?
Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Delta SkyMiles Reserve Business American Express Card or the Capital One Venture X first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $15,000 spend in 6 months. Capital One Venture X: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.