Capital One Venture X Rewards Credit Card vs. American Express® Business Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Venture X Rewards Credit Card
Capital One
4.7
2x miles on everything. $300 travel credit. Premium perks.
Full review →
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →WealthSpott Verdict
American Express® Business Gold Card wins on more measurable categories — particularly annual cost. Capital One Venture X Rewards Credit Card may still win for your wallet depending on your spending patterns.
Feature
Capital One Venture
American Express® Business
Annual Fee
$395/yr
$375/yr Best
Sign-up Bonus
75,000 miles
100,000 points
Rewards Rate
2x-10x
1x-4x
Rewards Type
Miles
Points
0% Intro APR
N/A
N/A
Regular APR
19.99%-29.99% Variable
19.49%-27.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Capital One Venture X Rewards Credit Card
Pros
- $300 annual travel credit offsets fee
- 2x miles on every purchase
- Premium perks: lounge access, TSA PreCheck credit
Cons
- $395 annual fee
- Best for frequent travelers
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
Not sure which card is right for you?
Browse all credit cards