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

Delta SkyMiles® Platinum Business American Express Breakdown

‍

[[ SINGLE_CARD * {"id": "790", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Business Owners", "headerHint" : "Aligned Well With Business Needs" } ]]

‍

Why We Like It

‍

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

‍

• It offers a valuable annual companion certificate that can significantly offset travel costs for a second person.
• The card provides a clear pathway to earning Delta Medallion elite status through spending, a major perk for frequent flyers.
• Cardholders enjoy a suite of travel benefits designed to make flying with Delta more comfortable and convenient.

‍

_{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

‍

• The annual companion certificate offers significant value for business or personal travel.
• Provides a clear path to achieving Delta Medallion elite status through spending, a major perk for frequent flyers.
• Includes a strong set of travel benefits, such as a free first checked bag, priority boarding, and travel insurance protections.

‍

Cons

‍

• The card has a significant annual fee that is not waived for the first year.
• It does not include complimentary lounge access, a common feature on other premium travel cards.
• Key benefits, like the companion certificate, have notable restrictions, and the value of rewards can be unpredictable.

Delta SkyMiles® Platinum Business American Express vs Capital One Quicksilver Secured Cash Rewards

‍

Categories

‍

Choosing between a secured card for building credit and a premium business travel card can be challenging. To determine which is better Capital One Quicksilver Secured or Delta SkyMiles Platinum Business, it's essential to understand who each card is designed for.

‍

• Capital One Quicksilver Secured Cash Rewards Credit Card - is designed for individuals looking to build or rebuild their credit history. It's an excellent choice for those who want to earn rewards on their spending while establishing a positive payment record.
• Delta SkyMiles® Platinum Business American Express Card - caters to business owners who are loyal to Delta Air Lines. This card is ideal for businesses that travel frequently and want to leverage their spending to earn airline-specific perks and work towards elite status.

‍

Redemption

‍

Capital One Quicksilver Secured Cash Rewards Credit Card: Rewards are earned as straightforward cash back, which you can redeem as a statement credit or a check, offering simple and flexible value.

‍

Delta SkyMiles® Platinum Business American Express Card: Rewards are earned as miles in the Delta SkyMiles program, which are best used for booking flights with Delta or its airline partners and for seat upgrades.

‍

Compare Top Rated Credit Cards with Kudos

‍

To find the best card for your wallet, you can use a tool like Kudos to compare top-rated cards and see which one aligns with your spending habits.

‍

• Test drive a credit card: Kudos offers a unique feature that lets you simulate your potential earnings with a new card based on your actual spending data, all before you apply and without impacting your credit score.
• Compare nearly 3,000 cards: The platform allows you to browse and compare thousands of credit cards, with the majority not being tied to affiliate commissions, offering unbiased recommendations.
• Get a welcome offer guarantee: If you find a better welcome offer for a card you got through Kudos within three months, the platform will match it.
• Analyze your approval odds: Before applying, you can get a detailed analysis of your approval chances based on your credit report.
• Track your finances for free: Creating an account is free and allows you to monitor your spending, track your credit score, and manage all your cards in one place.

Who Should Choose the Capital One Quicksilver Secured Cash Rewards?

‍

The Capital One Quicksilver Secured Cash Rewards Credit Card is designed for individuals looking to build or rebuild their credit history. It's an excellent fit for those who don't want to sacrifice earning rewards, as it offers a flat 1.5% cash back on all purchases—a high rate for a secured card. This card is ideal for responsible users who plan to pay their balance in full each month, with the eventual goal of graduating to an unsecured card without paying an annual fee.

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

‍

The Delta SkyMiles® Platinum Business American Express Card is an excellent choice for business owners who are loyal to Delta Air Lines and want to leverage their business spending for travel rewards. It's particularly well-suited for those aiming to achieve Medallion status and take advantage of airline-specific perks. Small to medium-sized businesses with moderate travel needs that can maximize benefits like the annual companion certificate will find this card especially valuable (Terms apply).

Alternatives to Consider

‍

So, you've seen the Capital One Quicksilver Secured Cash Rewards vs. Delta SkyMiles® Platinum Business American Express® Card showdown and neither card felt like a knockout. Not to worry—there are plenty of other contenders that might be the perfect match for your wallet.

‍

[[ COMPARE_CARD * {"ids": ["509", "118"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Exceptional Value", "Generous Travel Rewards"]} ]]

‍

_{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 issuers require good to excellent credit, though some cards are designed for building credit.
• Review your budget – Ensure you can comfortably meet any spending requirements or afford an annual fee without overextending your finances.
• Know the issuer's rules – Be aware of application restrictions, such as limits on how many cards you can have or how often you can apply.

‍

Application Strategy

‍

• Use pre-approval tools – Many issuers let you check your eligibility with a soft inquiry that won’t affect your credit score.
• Time your application – Apply before a large planned purchase to help meet the spending requirement for a welcome offer.
• Have your information ready – Prepare personal details and any required business information, like a tax ID number, beforehand.

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

‍

What is a secured credit card?

‍

A secured credit card requires a refundable cash deposit that typically determines your credit limit. These cards are designed for individuals looking to build or rebuild their credit history with responsible use.

‍

Do I need an LLC to apply for a business credit card?

‍

No, you don't necessarily need a formal business structure like an LLC. Sole proprietors, freelancers, and independent contractors can often qualify for business credit cards by applying with their Social Security Number.

‍

How do airline co-branded credit cards work?

‍

Airline co-branded cards are partnerships between a card issuer and an airline, allowing you to earn that airline's frequent flyer miles on your purchases. They also typically come with airline-specific perks like free checked bags and priority boarding.

‍

‍