American Express® Gold Card vs. Capital One Venture Rewards Credit Card: Which Is Best for You?
If you're looking to travel more or pay less when you do, a good travel credit card can go a long way toward helping you out. As two great travel rewards credit cards, the American Express® Gold Card and Capital One Venture Rewards Credit Card have many things in common. For instance, they both offer significant rewards on purchases and no foreign transaction fees.
But there are also differences between them that could impact your decision about which one is best for you. MoneyGeek compared these two popular credit cards and detailed how they match up against each other.
The American Express® Gold Card and the Capital One Venture Rewards Credit Card are two popular travel rewards credit cards that provide comparable benefits. Both of these cards have generous welcome bonuses for new cardholders, zero foreign transaction fees and offer rewards points redeemable for airline tickets and hotel stays. However, there are some differences to consider before choosing one credit card over the other.
Comparison Overview: American Express® Gold Card vs. Capital One Venture Rewards Credit Card
- American Express® Gold CardCapital One Venture Rewards Credit Card
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
American Express® Gold Card At a Glance
The American Express® Gold Card has a $250 annual fee and is only available to those with good to excellent credit. It offers moderate 3x points per dollar on flights booked directly with airlines or amextravel.com, redeemable for future travel.
It also includes a range of dining benefits, including 4x points at restaurants and U.S. supermarkets, and $10 in Uber Cash and dining credit each month, for a yearly total of up to $240.
- American Express® Gold Card
Best rewards card for frequent fliers and diners
- Good-ExcellentRecommended Credit
- $250Annual Fee
- 1–4 Points per $1Rewards Rate
- 4xRewards Rate on Groceries
- 3xRewards Rate on Air Travel
Capital One Venture Rewards Credit Card At a Glance
The Capital One VentureOne Rewards Credit Card has a lower annual fee of $95 (savvy travelers who want to earn rewards without paying an annual fee can get 1.25x miles with the VentureOne card). It also features no foreign transaction fees and a generous early spend bonus of 60,000 miles (worth $600 in travel) after spending $3,000 on purchases within three months of opening your account.
Its rewards program is flexible — every transaction earns 2x miles per dollar spent, redeemable as statement credits toward travel purchases made through Capital One Travel. It also offers a $100 statement credit towards enrollment in TSA PreCheck or Global Entry, two services that let you bypass long lines at security checkpoints when traveling domestically and returning from overseas, respectively.
- Capital One Venture Rewards Credit Card
A great rewards card that lets you earn miles
- Good-ExcellentRecommended Credit
- $95Annual Fee
- 2 Miles per $1Rewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate at Hotels
MoneyGeek breaks down the difference between the American Express® Gold Card and the Capital One Venture Rewards Credit Card to help you choose which travel rewards card is ideal for you.
- Card DetailComparison Summary
American Express® Gold Card users earn 60,000 Membership Rewards points after spending $4,000 on qualifying purchases within the first six months of card membership.
The Capital One Venture Rewards Credit Card Rewards credit card gives you 60,000 miles after spending $3,000 in the first three months.
The American Express® Gold Card is more ideal for those who spend regularly at supermarkets and dine out. This card offers 4x Membership Rewards points at restaurants and U.S. supermarkets (up to $25,000 in expenditures per year, 1x after that), 3x points on flights booked directly with airlines or on amextravel.com and 1x points on all other purchases.
The Capital One Venture Rewards Credit Card Rewards Credit Card offers 2x miles on all purchases, making it an excellent choice for those seeking an uncomplicated reward system. When you book travel via Capital One Travel, you may earn 5x miles on hotel and rental car reservations.
Winner: American Express® Gold Card
The annual fee for the American Express® Gold Card is $250, while the Capital One Venture Rewards Credit Card Rewards credit card is $95 per year.
Winner: Capital One Venture Rewards Credit Card Rewards
Both cards let you redeem points in various ways, including travel, statement credit and gift cards. Both cards also allow you to transfer rewards points or miles to a variety of eligible airline and hotel partners.
Which Card Should You Get?
Before deciding between the American Express® Gold Card and the Capital One Venture Rewards Credit Card, consider what's essential to you as a travel rewards credit card user, including rewards, perks and benefits.
Who Should Consider the American Express® Gold Card?
Air travelers who want to rack up a ton of bonus points on their purchases will love the American Express® Gold Card. This Amex card might also be a good option for those who often eat at restaurants, since dining points can be redeemed for flights.
You will earn 4x points per dollar spent at restaurants and U.S. supermarkets and 1x point per dollar spent on eligible purchases, which may be redeemed for future travel.
You may earn up to $10 in statement credits each month if you use the Gold Card to pay at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and select Shake Shack locations. This will save you up to $120 per year.
≫ More: Read Our Full Review
Who Should Consider the Capital One Venture Rewards Credit Card?
The Capital One Venture Rewards Credit Card is great for individuals who like to use their rewards on travel rather than other purchases.
Capital One Venture Rewards Credit Card Rewards cardholders that make travel purchases with any vendor can be reimbursed from their rewards account at the rate of $0.01 per mile.
If you book your hotel or car rental with Capital One Travel, you'll earn 5x miles per dollar.
≫ More: Read Our Full Review
Both of these cards offer great value. However, the two are targeted toward different audiences. If you simply want to save on travel without any frills, the Capital One Venture Rewards Credit Card will likely be a solid fit. However, if you want spending credits towards dining out and future Uber rides, and the flexibility of a charge card with no predetermined credit line, the American Express® Gold Card can be a great choice.
Other Helpful Decision-Making FAQs
Finding the best travel rewards credit card for you can be difficult. MoneyGeek answers some of the most frequently asked questions about the American Express® Gold Card and the Capital One Venture Rewards Credit Card to help you better understand the differences.
Still Not Sure About These Cards? Consider These Options
Anyone who enjoys traveling, earning rewards and using credit cards could benefit from the American Express® Gold Card or the Capital One Venture Rewards Credit Card. However, if you want to earn cash back on your purchases, cash-back rewards credit cards are a good alternative.
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American Airlines AAdvantage MileUp℠ Card
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Upgrade Bitcoin Rewards
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Costco Anywhere Visa® Business Card by Citi
Costco Anywhere Visa® Card by Citi
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United Club℠ Infinite Card
United Explorer Card
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Navy Federal Credit Union Visa Signature Flagship Rewards card
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