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All comparisons
Head-to-head, 2026

American Express Blue Business Plus Capital One Venture Rewards

American Express Blue Business Plus

$0/yr

Blue Business Plus
Venture Rewards

Capital One Venture Rewards

$95/yr

Every $1 · two cards

American Express Blue Business Plus earns more in 7 of 9 categories · Capital One Venture Rewards in 1

  • Dining
    2×4¢ per $1

    up to $50,000/yr

    2×3.6¢ per $1
  • Groceries
    2×4¢ per $1

    up to $50,000/yr

    2×3.6¢ per $1
  • Gas
    2×4¢ per $1

    up to $50,000/yr

    2×3.6¢ per $1
  • Flights
    2×4¢ per $1

    via amextravel.com

    2×3.6¢ per $1
  • Hotels
    2×4¢ per $1

    via amextravel.com

    5×9¢ per $1

    via Capital One Travel

  • Everything else
    2×4¢ per $1

    up to $50,000/yr

    2×3.6¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: American Express Blue Business Plus

American Express

Blue Business Plus

Annual fee
$0
Network
amex
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 2×Eligible purchases · Membership Rewards
  • 2×Eligible purchases on AmexTravel.com · Membership Rewards
  • 1×Purchases thereafter · Membership Rewards
  • 1×Eligible purchases · Membership Rewards

Key benefits

  • Purchase Protection · $0
  • Car Rental Loss and Damage Insurance · $0
  • Amex Special Ticket Access · $0
  • Extended Warranty · $0
  • Year-End Summary · $0
Full American Express Blue Business Plus review

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture Rewards review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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