American Express® Gold Card vs Capital One Venture X Rewards Credit Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit Card

Capital One

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Annual Fee
$325
$395
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Capital One Miles
Point Value
2.00¢/pt
1.85¢/pt
Base Earn Rate
1x
2x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
75,000 Capital One Miles after $4,000 in 90 days

Effective return by category

CategoryAmerican Express® Gold CardCapital One Venture X Rewards Credit Card
Dining & Restaurants8.00%
4x
3.70%
2x
Groceries8.00%
4x · $25,000 cap
3.70%
2x
Travel6.00%
3x
3.70%
2x
Gas Stations2.00%
1x
3.70%
2x
Streaming Services2.00%
1x
3.70%
2x
Everything else2.00%
1x
3.70%
2x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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