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All comparisons
Head-to-head, 2026

American Express Gold Capital One Venture X Rewards

American Express Gold

$325/yr

Gold
Venture X Rewards

Capital One Venture X Rewards

$395/yr

Every $1 · two cards

American Express Gold earns more in 2 of 9 categories · Capital One Venture X Rewards in 6

  • Dining
    4×8¢ per $1

    up to $50,000/yr

    2×3.6¢ per $1
  • Groceries
    4×8¢ per $1

    up to $25,000/yr

    2×3.6¢ per $1
  • Gas
    1×2¢ per $1
    2×3.6¢ per $1
  • Flights
    3×6¢ per $1
    5×9¢ per $1

    via Capital One Travel

  • Hotels
    5×10¢ per $1

    via amextravel.com

    10×18¢ per $1

    via Capital One Travel

  • Everything else
    1×2¢ per $1
    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 Gold

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotels · Membership Rewards
  • 4×US supermarkets · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold review

Capital One

Venture X Rewards

Annual fee
$395
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels & rental cars · Capital One Miles
  • 5×Flights and vacation rentals · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×All other purchases · Capital One Miles

Key benefits

  • $300 annual Capital One Travel credit · $300
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection Vacation Rental Experience Credit · $100
  • Premier Collection Hotel Experience Credit · $100
  • Lifestyle Collection Vacation Rental Experience Credit · $50
Full Capital One Venture X 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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