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American Express Gold Card vs Capital One Venture X
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | American Express Gold CardAmerican Express | Capital One Venture XCapital One |
|---|---|---|
| Rating | 4.7/5 | 4.9/5 |
| Annual Fee | $325 | $395 |
| APR | 20.24% - 29.24% | 19.49% - 28.49% |
| Signup Bonus | Up to 100,000 points after spending $6,000 in 6 months (targeted) | 75,000 miles after spending $4,000 in 3 months |
| Rewards Rate | 4X on dining (up to $50K/yr), 4X on U.S. groceries (up to $25K/yr), 3X on flights, 1X on everything else | 10X on hotels/cars via Capital One Travel, 5X on flights via Capital One Travel, 2X on everything else |
| Credit Score | good | excellent |
| Pros | 4X on dining ($50K cap) and U.S. groceries ($25K cap) is industry-leading $120 dining credit + $120 Uber Cash annually Transfer to 20+ airline and hotel partners | Priority Pass + Capital One Lounges access $300 annual travel credit makes effective fee $95 10,000 bonus miles every anniversary |
| Cons | $325 annual fee (offset by credits) No 0% intro APR offer American Express not accepted everywhere | $395 annual fee upfront Travel credit only through Capital One portal Lounge guest access now costs $45/adult as of Feb 2026 |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture X
With a 4.9/5 rating, the Capital One Venture X edges out the American Express Gold Card (4.7/5). At $395/yr, the value proposition is strong. The Venture X punches way above its weight. With $300 in travel credits, lounge access, and 10K anniversary miles, the effective cost is just $95 — rivaling cards that cost twice as much.