Capital One Quicksilver 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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Here’s a breakdown of why we’re fans of the Delta SkyMiles® Platinum Business American Express Card (See Rates & Fees).

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• It's an ideal choice for business owners who are loyal to Delta and want to enhance their travel experience.
• The card offers a clear pathway to achieving elite status with the airline through spending.
• It strikes a great balance between valuable travel perks and business-centric rewards, making it a well-rounded option.

Terms apply.

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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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• An annual companion certificate allows you to bring a travel partner on a domestic flight, offering significant value each year.
• Provides a pathway to Delta Medallion elite status through spending, rewarding high-spending businesses beyond just flying.
• A strong collection of travel perks, including a free first checked bag, priority boarding, and statement credits for expedited security screening and eligible hotel stays.

Terms apply.

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Cons

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• The card carries a notable annual fee but doesn't include complimentary lounge access, offering fewer luxury perks than other top-tier travel cards.
• Key benefits, such as the annual companion certificate, come with significant restrictions that limit their flexibility, particularly for international travel.

Terms apply.

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

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Categories

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When considering which is better Capital One Quicksilver or Delta SkyMiles Platinum Business, it's important to understand that each card serves a very different type of consumer. One is a straightforward cash back card for personal use, while the other is a premium travel card for business owners loyal to a specific airline.

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• Capital One Quicksilver Cash Rewards Credit Card: This card is best for consumers seeking a simple, flat-rate cash back option for everyday spending without needing to track rotating categories.
• Delta SkyMiles® Platinum Business American Express Card: This card is tailored for business owners who frequently fly with Delta and want to maximize airline-specific travel perks and pursue elite status.

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Redemption

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Capital One Quicksilver Cash Rewards Credit Card: You earn straightforward cash back on your purchases, which can be redeemed at any time for any amount, typically as a statement credit or a check.

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Delta SkyMiles® Platinum Business American Express Card: Rewards are earned as miles in the Delta SkyMiles program, primarily redeemed for flights with Delta and its airline partners, as well as for other travel-related perks like seat upgrades.

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Compare Top Rated Credit Cards with Kudos

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For those looking to make a data-driven decision, a tool like Kudos can help by comparing nearly 3,000 credit cards to find the best fit for your spending habits.

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• Test Drive Feature: Simulate potential earnings from a new credit card using your actual spending data before you apply, without a hard credit pull.
• Approval Odds Analysis: Get a detailed analysis of your chances of being approved for different cards based on your credit report.
• 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.
• Kudos Boost: Earn extra rewards on top of your regular card rewards when shopping at participating stores.
• Personalized Recommendations: The platform matches you with cards that will earn you the most rewards based on your spending history.
• Financial Management: Track your spending, monitor your credit score, and manage all your cards in one place.
• Sign-up Bonuses: New users can receive a $20 bonus after their first eligible purchase of $30 or more by using a promo code, and can unlock a $100 Kudos Kickstart+ reward by adding select approved cards to their Kudos Wallet.

Who Should Choose the Capital One Quicksilver Cash Rewards?

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The Capital One Quicksilver Cash Rewards Credit Card is ideal for the straightforward spender who wants a simple, flat-rate cash back card without having to track rotating categories. This user persona values convenience, preferring to use a single card for all everyday spending to earn a consistent reward on every purchase. The card is also a great fit for those who travel abroad, thanks to its lack of foreign transaction fees, and for regular Uber riders who can maximize the complimentary Uber One membership.

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 Air Lines and travel frequently enough to leverage its specific perks. It's particularly beneficial for small to medium-sized businesses with moderate travel needs, allowing them to gain value from benefits like the annual companion certificate and free checked bags without needing an ultra-premium card's extensive perks. Ultimately, this card is for the entrepreneur who wants to enhance their travel experience on Delta and earn rewards on common business expenses, all while working towards Medallion status.

Alternatives to Consider

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If our deep dive into the Capital One Quicksilver vs Delta SkyMiles Platinum Business comparison left you undecided, you're not out of options. Let's explore a few alternative cards that might better align with your spending habits and reward goals.

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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 - You will generally need good to excellent credit for approval.
• Plan your spending - Some card benefits require meeting specific spending thresholds.
• Understand the benefits - Know how you will use the card's rewards and perks.

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Application Strategy

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• Time your application with a planned large purchase to help meet any minimum spending requirements for a welcome offer.
• Know the application process, as some issuers like American Express may let you see your offer before a hard credit inquiry.
• Match the card to your habits, whether you prefer simple cash back or airline-specific perks for business travel.

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 is the difference between cash back and airline miles?

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Cash back rewards provide a direct statement credit or deposit, offering straightforward value on your spending. Airline miles, on the other hand, are points you accumulate to redeem for flights, seat upgrades, and other travel-related perks, with their value varying based on how you use them.

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Is the annual fee on the Delta SkyMiles Platinum Business card worth it?

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Whether the annual fee is worthwhile depends on your travel habits and how much you value the card's benefits, such as the annual companion certificate and free checked bags. If you fly Delta frequently and can maximize these perks, the fee can easily pay for itself. Terms apply.

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Which card is better for everyday spending?

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For most everyday purchases, the Capital One Quicksilver card is often the better choice due to its simple, flat-rate cash back on every purchase. The Delta SkyMiles Platinum Business Card's rewards are more specialized, offering the best value on Delta purchases and specific business spending categories.

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