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Card vs Card Comparison

Amex Gold
vs
Capital One Venture.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

Currently around 60K to 100K points after spend, see issuer for the current offer

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

Capital One

Capital One Venture

Annual fee

$95

Points

Venture Miles

Signup bonus

Currently around 75K miles after spend, see issuer for the current offer

Top earning rates

  • →5x on Capital One Travel hotels and car rentals
  • →2x on everything (the best flat earner)

Top perks

  • →Global Entry or TSA PreCheck credit
  • →Travel accident insurance
  • →Transfers to 15+ Capital One partners
See Capital One Venture detailsarrow_forward

The verdict

When each card wins.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

Capital One Venture wins if

Pick this if you want a simple flat-rate travel card with no bonus categories to track.

Honest downside: No lounge access. No premium perks. Transfer partner list is weaker than Chase Ultimate Rewards.

At a glance

Side-by-side spec sheet.

SpecAmex GoldCapital One Venture
Annual fee$325$95
Points currencyMembership RewardsVenture Miles
Signup bonusCurrently around 60K to 100K pointsCurrently around 75K miles
Top earn category4x on restaurants worldwide5x on Capital One Travel hotels and car rentals
Second earn category4x on US supermarkets (up to $25K per year)2x on everything (the best flat earner)
Third earn category3x on flights booked direct or on Amex TravelStandard 1x earn
Signature perk$120 Uber Cash ($10 per month)Global Entry or TSA PreCheck credit
IssuerAmerican ExpressCapital One

The Transfer Bonus Wire

The 2 to 6 emails a month that are actually worth acting on.

Transfer bonuses and point deals expire fast. We only email when something clears the bar.

No account, no password. One-click unsubscribe in every email.

Questions

Frequently asked.

Which is better, Amex Gold or Capital One Venture?

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Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop. Capital One Venture wins if you want a simple flat-rate travel card with no bonus categories to track.

Can I have both the Amex Gold and the Capital One Venture?

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Yes. These are issued by different banks (American Express and Capital One), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Gold or Capital One Venture?

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Amex Gold has the higher annual fee at $325, compared to $95 for Capital One Venture. Whether the pricier card is worth the difference depends on which credits and perks you use each year.

Your next step

See what your own cards unlock.

Add your cards and we'll show the value you're not using.

See what your cards unlockarrow_forward