Capital One Platinum Secured vs Delta SkyMiles Platinum Business: Which Is Better In 2026?

Delta SkyMiles® Platinum Business American Express Breakdown

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Why We Like It

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This section breaks down why we like the Delta SkyMiles® Platinum Business American Express Card (See Rates & Fees).

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• It's an excellent choice for business owners who are loyal to Delta and want to earn travel perks through their business spending.
• The card offers a valuable annual companion certificate and a clear path toward earning elite airline status.
• It includes a suite of travel protections that provide peace of mind for business travelers on the go.

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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.}

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Pros

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• A valuable annual companion certificate lets you bring a friend or colleague on a domestic round-trip flight each year.
• The card offers an accelerated path to Delta Medallion elite status through spending, a significant perk for frequent business travelers.
• Enjoy a suite of travel benefits including a free first checked bag for you and your companions, priority boarding, and statement credits for expedited security programs.

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Cons

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• The card comes with a notable annual fee and doesn't include complimentary lounge access.
• Key benefits like the annual companion certificate come with significant restrictions, and the card lacks some of the premium travel perks found on top-tier cards.
• The value of SkyMiles can be unpredictable, and the card's benefits are heavily focused on Delta, offering less flexibility for those who fly with other airlines.

Delta SkyMiles® Platinum Business American Express vs Capital One Platinum Secured

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Categories

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Deciding which is better, Capital One Platinum Secured or Delta SkyMiles Platinum Business, depends entirely on your financial goals and spending habits as these cards serve vastly different purposes.

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• Capital One Platinum Secured Credit Card is a credit-building tool designed for individuals who need to establish or repair their credit history.
• Delta SkyMiles® Platinum Business American Express Card is a business travel card for business owners who are loyal to Delta Air Lines and want to earn travel-related perks.

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Redemption

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Capital One Platinum Secured Credit Card: This card does not offer a rewards program for points or cash back. Its main function is to help users build or rebuild their credit history through responsible use.

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Delta SkyMiles® Platinum Business American Express Card: Cardholders earn miles that can be redeemed for flights with Delta and its partner airlines. Miles can also be used for other travel-related rewards like seat upgrades.

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Compare Top Rated Credit Cards with Kudos

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For those looking to find the perfect card, tools like Kudos allow you to compare nearly 3,000 credit cards using your own spending data to find the best fit.

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• Test drive credit cards: Simulate your potential earnings with a new card based on your actual spending history before you apply, without impacting your credit score.
• Personalized recommendations: Get matched with cards that will earn you the most rewards based on an analysis of your spending patterns.
• Approval odds analysis: Understand your chances of being approved for different cards with a detailed analysis based on your credit report.
• Stacked rewards: Earn extra Kudos Boost rewards on top of your existing credit card rewards when shopping at your favorite stores.
• Welcome offer guarantee: If you find a better public welcome offer for a card you got through Kudos within three months, Kudos will match it.

Who Should Choose the Capital One Platinum Secured?

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The Capital One Platinum Secured Credit Card is an excellent starting point for anyone looking to build or rebuild their credit profile. It's particularly well-suited for students, recent immigrants, or individuals recovering from past credit difficulties who need a straightforward way to establish a positive payment history. Because it's designed for those with poor or limited credit, it offers accessible entry with a low refundable security deposit and reports to all three major credit bureaus to help you improve your score.

Who Should Choose the Delta SkyMiles® Platinum Business American Express?

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The Delta SkyMiles® Platinum Business American Express Card is tailor-made for business owners who are loyal to Delta and want to leverage their business spending for travel perks. This card is particularly valuable for those looking to fast-track their way to Medallion status, frequently check bags, and can maximize the annual companion certificate for domestic travel. Ultimately, it strikes a balance between travel benefits and business rewards, making it an excellent fit for small to medium-sized businesses with regular, but not excessive, travel needs. Terms apply.

Alternatives to Consider

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If the Capital One Platinum Secured vs. Delta SkyMiles Platinum Business comparison didn't point to a clear winner for you, don't worry. Here are a few alternative cards that are worth a look.

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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.}

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Tips for Application Success

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Before You Apply

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• Check your credit score: Know where you stand and apply for cards that match your credit profile.
• Plan your spending: Ensure you can naturally meet any minimum spending requirement for a welcome offer.
• Review the benefits: Understand how you will use the card’s rewards and perks to justify its place in your wallet.

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Application Strategy

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• Align with your lifestyle: Pick cards with benefits that match your regular spending and travel patterns.
• Target the right cards: Focus on cards designed for your credit level, whether you're building credit or have an excellent score.
• Time your application: Apply before a large planned purchase to help meet a welcome offer’s spending requirement.

Our Methodology

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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.

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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

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What credit score do I need for these cards?

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The Delta SkyMiles® Platinum Business American Express Card generally requires a good to excellent credit score, while the Capital One Platinum Secured Credit Card is designed for individuals looking to build or rebuild their credit.

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Is there an annual fee for either card?

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Yes, the Delta SkyMiles® Platinum Business American Express Card has an annual fee. The Capital One Platinum Secured Credit Card does not have an annual fee, but it does require a refundable security deposit to open the account.

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Can I earn travel rewards with these cards?

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You can earn Delta SkyMiles on eligible purchases with the Delta SkyMiles® Platinum Business American Express Card (Terms Apply), but the Capital One Platinum Secured Credit Card is not a rewards card and does not offer miles or cash back.

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