Card comparison

Amex Gold vs Capital One Venture X

Membership Rewards vs Capital One Miles

Verified July 2026

TL;DR — quick verdict

The Amex Gold ($250) undercuts the Capital One Venture X ($395) on annual fee. Pick the Amex Gold for everyday Supermarkets spending (4x); pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x).

At a Glance

American Express Gold Card

Annual Fee
$250
Signup Bonus
100,000 points
Network
Amex
Points Currency
Membership Rewards
Earning Rates
Us Flights 3x
Supermarkets 4x
Us Restaurants 4x
Other Purchases 1x

Capital One Venture X Rewards

Annual Fee
$395
Signup Bonus
75,000 points
Network
Visa
Points Currency
Capital One Miles
Earning Rates
All Purchases 2x
Flights Via Capital One Travel 5x
Hotels And Rental Cars Via Capital One Travel 10x

Category Breakdown

How they compare across key categories

Annual Fee

Amex Gold wins

Amex Gold $250 vs Capital One Venture X $395

Welcome Bonus

Amex Gold wins

Amex Gold: 100,000 points after $8,000 in 6 months vs Capital One Venture X: 75,000 points after $4,000 in 3 months

Top Earning Rate

Capital One Venture X wins

Amex Gold: 4x on Supermarkets vs Capital One Venture X: 10x on Hotels and rental cars via Capital One Travel

Perks & Credits

Amex Gold wins

Amex Gold: 3 listed benefits vs Capital One Venture X: 2 listed benefits

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Transfer Partners

Tie

Amex Gold: 20+ airline and hotel partners vs Capital One Venture X: 15+ airline and hotel partners

Perks & Benefits

American Express Gold

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)

Capital One Venture X Rewards

  • Capital One Travel credit ($300)
  • Anniversary bonus miles ($100)

Which Is Right for You?

Get the Amex Gold if...

  • Lower $250 annual fee
  • Earns 4x on Supermarkets
  • Earns 4x on US restaurants
  • Dining credit ($120)

Get the Capital One Venture X if...

  • Premium benefits to offset the $395 fee
  • Earns 10x on Hotels and rental cars via Capital One Travel
  • Earns 5x on Flights via Capital One Travel
  • Capital One Travel credit ($300)

Related Resources

Amex Points Value

What are Amex points worth?

Chase Points Value

What are Chase points worth?

Search Award Flights

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Frequently Asked Questions

Is the Amex Gold or Capital One Venture X better?

The Amex Gold ($250) undercuts the Capital One Venture X ($395) on annual fee. Pick the Amex Gold for everyday Supermarkets spending (4x); pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

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

The Amex Gold has the lower annual fee at $250, versus $395 for the Capital One Venture X.

Which card earns points faster?

The Amex Gold earns up to 4x on Supermarkets, while the Capital One Venture X earns up to 10x on Hotels and rental cars via Capital One Travel.

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

Yes. They're issued independently, so you can hold both and earn Membership Rewards and Capital One Miles side by side.

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Need More Points?

Earn bonus points with these credit card offers

Can't find availability at your current points balance? These credit cards offer generous welcome bonuses to help you book your dream flight.

The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
Learn more & apply

American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
  • FedEx, Grubhub and Office Supply Statement Credit ($240)
  • Walmart+ Statement Credit ($155)
Learn more & apply

The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
Learn more & apply

American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.