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Capital One Quicksilver vs Delta SkyMiles Gold Business: Which Is Better In 2026?
July 1, 2025
Editor's Picks
The Capital One Quicksilver Cash Rewards Credit Card is ideal for everyday spenders who want a simple, flat-rate cash back card without needing to track different spending categories.
The Delta SkyMiles® Gold Business American Express Card is best for small business owners who fly Delta regularly and want to earn miles and enjoy travel perks.
Capital One Quicksilver Cash Rewards Breakdown
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Why We Like It
Here’s a breakdown of why we’re fans of the Capital One Quicksilver Cash Rewards Credit Card(See Rates & Fees).
- It offers a straightforward rewards structure without the need to track rotating categories.
- The card eliminates common costs like an annual fee and foreign transaction fees, making it a great value.
- Cardholders get flexible redemption options and valuable partner perks.
Pros
- A simple, flat-rate cash back program means you earn rewards on every purchase without having to track or activate bonus categories.
- Rewards can be redeemed at any time for any amount, and they are earned for the life of the account.
- Includes a complimentary Uber One membership, adding extra value for users of the service.
Cons
- The flat-rate rewards structure may not be the most lucrative for those who spend heavily in specific categories, as some other cards offer higher rewards for things like dining or groceries.
- Approval generally requires a good to excellent credit history, which might exclude some applicants.
- It may lack some of the introductory offers on purchases or balance transfers that competitor cards provide.
Delta SkyMiles® Gold Business American Express Breakdown
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Why We Like It
This section breaks down why we like the Delta SkyMiles® Gold Business American Express Card(See Rates & Fees).
- It's ideal for small business owners who frequently fly with Delta but don't need an exhaustive list of premium travel perks.
- The card offers valuable business management tools and bonus earning categories tailored to common business expenses.
- Key travel benefits like a free checked bag and priority boarding provide tangible value for regular Delta flyers.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Pros
- A generous Welcome Offer and bonus miles on common business expenses like dining, shipping, and advertising.
- Valuable travel perks on Delta flights, including a free first checked bag for you and companions, priority boarding, and statement credits on in-flight purchases.
- Business-friendly features such as employee cards at no additional cost and integration with accounting software to streamline expense management.
Cons
- Lacks premium travel perks like complimentary airport lounge access and a companion certificate, which are often found on higher-tier cards.
- It doesn't provide statement credits for expedited security programs like TSA PreCheck or Global Entry, and offers no direct path to accelerate elite airline status.
- The bonus earning rates on spending categories are less competitive than some rival business cards, potentially limiting rewards for businesses with diverse expenses.
Delta SkyMiles® Gold Business American Express vs Capital One Quicksilver Cash Rewards
Categories
Deciding which is better, Capital One Quicksilver or Delta SkyMiles Gold Business, depends entirely on your spending habits and travel preferences.
- Capital One Quicksilver Cash Rewards Credit Card: This card is best for everyday spenders who want a simple, flat-rate cash back card without having to track rotating categories. It's also a solid choice for travelers who want a card with no foreign transaction fees.
- Delta SkyMiles® Gold Business American Express Card: This card is designed for small business owners or business travelers who fly Delta Air Lines regularly. It's ideal for those seeking essential travel benefits and earning rewards on business-related spending.
Redemption
Capital One Quicksilver Cash Rewards Credit Card: Rewards are earned as straightforward cash back, which you can redeem in a variety of flexible ways, such as a statement credit or a check.
Delta SkyMiles® Gold Business American Express Card: Miles earned with this card are redeemed through the Delta SkyMiles program, primarily for flights with Delta and its airline partners.
Compare Top Rated Credit Cards with Kudos
Kudos is a financial companion that helps you compare nearly 3,000 credit cards using your actual spending data to make confident, data-driven decisions.
- Test drive a credit card: Before you apply, you can simulate how much you would earn with a specific credit card based on your real spending data.
- Approval odds: Receive a detailed analysis of your approval odds based on your credit report.
- Welcome offer guarantee: If you find a better welcome offer within three months of getting a card, Kudos will match it.
- Kudos Kickstart+ reward: You can unlock $100 in rewards by adding select approved cards to your Kudos Wallet.
- Personalized recommendations: Get card suggestions based on your spending history to maximize your rewards.
- Kudos Boost: Earn extra rewards on top of your credit card rewards when shopping at participating stores.
Who Should Choose the Capital One Quicksilver Cash Rewards?
The Capital One Quicksilver Cash Rewards Credit Card is an excellent choice for individuals who prioritize simplicity and straightforward value in their credit card rewards. It's particularly well-suited for the everyday spender who doesn't want the hassle of tracking rotating bonus categories and prefers to earn a consistent, flat-rate cash back on every single purchase. Additionally, frequent travelers will appreciate the lack of foreign transaction fees, making it a solid, no-annual-fee option for use both at home and abroad.
Who Should Choose the Delta SkyMiles® Gold Business American Express?
The Delta SkyMiles® Gold Business American Express is tailored for small business owners who are loyal to Delta but don't need the ultra-premium perks of a top-tier card. It's an ideal choice for entrepreneurs who value practical travel benefits like a free first checked bag and priority boarding over luxury perks like lounge access. Additionally, it suits businesses with moderate travel needs or those looking to earn 2X miles on common expenses like U.S. shipping and advertising.
Alternatives to Consider
If this comparison of the Capital One Quicksilver Cash Rewards Credit Card vs. the Delta SkyMiles® Gold Business American Express Card shows that neither is the right choice for you, don't worry. The credit card landscape is vast, and there are plenty of other options that might be a better fit for your wallet.
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Tips for Application Success
Before You Apply
- Check your credit score - Most rewards cards require good to excellent credit for approval.
- Plan your spending - Make sure you can meet any welcome offer spending requirements naturally.
- Review the card benefits - Understand how the card’s perks align with your lifestyle and spending.
Application Strategy
- Know the issuer’s rules - Some issuers limit how many cards you can open or welcome offers you can earn.
- Understand credit inquiries - Be aware that some issuers may pull your credit report from all three bureaus.
- Distinguish business and personal cards - Many business cards won’t appear on your personal credit report unless you default.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.
Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.
Frequently Asked Questions
Which card is better for international travel?
The Delta SkyMiles® Gold Business American Express Card is generally better for frequent Delta flyers, offering benefits like free checked bags. The Capital One Quicksilver Cash Rewards Credit Card is a strong contender as it has no foreign transaction fees and offers simple cash back on all purchases.
Can I transfer rewards between these two cards?
No, you cannot transfer rewards between these cards as they belong to different loyalty programs. Capital One Quicksilver earns cash back, while the Delta SkyMiles Gold Business card earns Delta SkyMiles.
What are the annual fees for these cards?
The Capital One Quicksilver Cash Rewards Credit Card has a $0 annual fee. The Delta SkyMiles® Gold Business American Express Card has a $0 introductory annual fee for the first year, then $150. Terms apply.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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