On a similar note...
On a similar note...
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One of the offers described in this article has expired. The Barclaycard Arrival Plus® World Elite Mastercard® is longer available on our website. See our best travel credit cards roundup for other options.
A big question for many regular Delta Air Lines flyers is whether they should get the carrier's Delta SkyMiles® Gold American Express Card or apply for a general travel credit card that racks up miles more quickly and offers more flexibility for redeeming them.
So we'll pit the Delta SkyMiles® Gold American Express Card against both the Capital One® Venture® Rewards Credit Card and the Barclaycard Arrival Plus® World Elite Mastercard®, two top general travel cards that are quite similar to each other.
We'll start with our standard short answer for those deciding between a co-branded airline card and a general travel card: If you fly frequently with one airline, you might get more value from an airline card, especially if it lets you avoid checked-bag fees, which Delta's does. If you want flexibility in your airline choices, though, a general travel card with better rewards for everyday spending is the way to go.
For most travelers, the Capital One® Venture® Rewards Credit Card and the Barclaycard Arrival Plus® World Elite Mastercard® can be great choices. But specifics matter. Here’s how the cards stack up side by side.
Delta SkyMiles® Gold American Express Card
Capital One® Venture® Rewards Credit Card
Barclaycard Arrival Plus® World Elite Mastercard®
$0 intro for the first year, then $99.
$0 for the first year, then $89.
Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020. Terms Apply.
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles if you spend $3,000 on purchases in the first 3 months..
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles per dollar spent on qualifying purchases made directly with Delta and 1 mile per dollar spent on all other purchases.
2 miles per dollar spent on all purchases.
2 miles per dollar spent on all purchases.
Free first checked bag, priority boarding and other exclusive perks.
5% redemption bonus. For example, if you redeem $1,000 worth of travel statement credit, you'll get $50 worth of miles toward your next redemption. This gives the card an effective 2.1% earn rate.
Why general travel cards win for most people
great rewards and two great choices
The Capital One® Venture® Rewards Credit Card and the Barclaycard Arrival Plus® World Elite Mastercard® offer generous sign-up bonuses and nearly identical rewards rates. Making the choice is a close call. The annual fee on the Barclaycard Arrival Plus® World Elite Mastercard® is $0 for the first year, then $89. The annual fee on the Capital One® Venture® Rewards Credit Card is $95.
Both cards give you 2 miles per $1 spent on everything, with each mile worth 1 cent when used for travel. The Barclaycard Arrival Plus® World Elite Mastercard® gives you 5% of your miles back when you redeem.
Between these two it’s a near toss-up. NerdWallet offers a detailed analysis, including a calculator to determine which is right for you. In short, we think the Barclaycard Arrival Plus® World Elite Mastercard® gives you slightly better long-term value, but the Capital One® Venture® Rewards Credit Card gives you more upfront.
By comparison, the annual fee on the Delta SkyMiles® Gold American Express Card is comparable with the general travel cards: $0 intro for the first year, then $99. It has a welcome bonus: Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020. Terms Apply.
Nerd tip: NerdWallet values Delta miles at 0.9 cent each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 0.9 cent or more in value from your Delta miles.
The value of Delta miles means the bonus is worth more than those on the Barclaycard and Capital One cards.
In the long run, however, Delta's offering isn't worth it unless you make regular use of the card's perks. More important, the card has a mundane rewards structure for racking up miles. It pays just 1 mile per $1 spent on all purchases, except those with Delta, which earn 2 miles per dollar.
Both general travel cards offer more ways to redeem miles than the Delta SkyMiles® Gold American Express Card, which really has only one good option: redeeming for Delta flights.
The general travel cards let you redeem miles for a statement credit against travel purchases. Essentially, you use miles to erase travel charges — and not just flights. You can use miles for other typical travel expenses, too, such as car rentals and hotel stays. But they can also apply to a cruise, train ride or timeshare vacation. Budget-conscious travelers who examine all their flight and hotel options to find the best deal will especially appreciate that kind of flexibility.
Notably, the Barclaycard Arrival Plus® World Elite Mastercard® requires an unusually high $100 worth of miles before you can redeem for a travel statement credit.
The Delta SkyMiles® Gold American Express Card is far more restrictive in what travel expenses you can use miles on. They're best used on flights, especially on business-class international flights.
When to choose the Delta SkyMiles® Gold American Express Card
Checked bags make a big difference
If you're a regular flyer and live in a Delta hub city or find yourself on Delta the vast majority of the time, the decision isn't so clear-cut. That's because of the perks you get with an airline card, especially free checked bags.
Cardholders get a free first checked bag if they use the Delta SkyMiles® Gold American Express Card to pay for the flight — as do their companions on the same reservation, up to nine people. Bag fees normally are $30 each way, so checked bags on one round trip with a family member or friend on the same itinerary would cost $120. Getting that for free makes up for the card's annual fee right off the bat. Multiply that by several flights a year, and it becomes a huge value.
Cardholders and companions on the same reservation get Zone 1 priority boarding, allowing them on the plane earlier than most. That means if you have carry-on luggage, you're more likely to find room in the overhead bin. You have to decide what value that holds. The card also gets you a discount on a day pass to Delta Sky Club lounges, costing $29 instead of $59, as well as 20% off some in-flight purchases.
So the Delta SkyMiles® Gold American Express Card could be the right choice if you regularly fly from airports in such cities as Atlanta, Minneapolis, Detroit and Cincinnati, where you have few choices other than Delta — and if you value free checked bags, priority boarding and an occasional trip to the airport lounge. But if you fly mostly from places like Chicago or Dallas, where Delta has a minor presence, or if you seldom check bags, look elsewhere for a travel card.
And note: The Barclaycard Arrival Plus® World Elite Mastercard® and the Capital One® Venture® Rewards Credit Card are on the MasterCard and Visa networks, meaning they're accepted more widely in the U.S. and abroad than American Express, the network for the Delta SkyMiles® Gold American Express Card.
In this three-way face-off, one of our top general travel cards is best unless you're a Delta devotee and would use its baked-in perks, such as free checked bags.