Amex Gold vs Capital One Venture X — which is worth it to you?
The American Express Gold Card ($325/yr) and the Capital One Venture X ($395/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
The Capital One Venture X charges $395 a year against the Amex Gold's $325, so it starts $70 behind. The Amex Gold earns Membership Rewards while the Capital One Venture X earns Capital One Miles. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.
The Amex Gold also has a bonus on dining (4x), groceries (4x) and flights (3x), with nothing to match it on the Capital One Venture X.
The Amex Gold comes with 5 statement credits, the biggest being $120 Dining Credit, $120 Uber Cash and $100 Resy Dining Credit, plus 2 more. The Capital One Venture X has 5 statement credits: $300 Capital One Travel Credit, 10,000 Anniversary Miles (10,000 pts) and Premier Collection Experience Credit ($100/use), plus 2 more. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry elite status, extended warranty, lost luggage, no foreign transaction fees, purchase protection, rental car collision coverage and trip delay. The Capital One Venture X also has cell phone protection, lounge access, memberships, return protection, travel accident insurance and trip cancellation, with no equivalent on the Amex Gold.
American Express Gold Card
American Express · $325 annual fee · earns Membership Rewards
Earning rates
- 4x Restaurants worldwide (on up to $50,000/yr, then 1x)
- 4x US supermarkets (on up to $25,000/yr, then 1x)
- 3x Flights booked direct or via AmexTravel
- 5x Prepaid hotels via AmexTravel
- 2x Prepaid car rentals via AmexTravel
- 1x Everything else
Statement credits (5)
- $120 Dining Credit — $10/month at Grubhub (incl. Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder.
- $120 Uber Cash — $10/month in Uber Cash for US rides or Uber Eats.
- $100 Resy Dining Credit — $50 per half-year at US Resy restaurants.
- $84 Dunkin' Credit — $7/month at Dunkin' in the US.
- The Hotel Collection $100 Credit — $100 credit toward eligible on-property charges on each prepaid 2+ night Hotel Collection stay booked via AmexTravel.
Full American Express Gold Card breakdown — 7 more benefits on the full page.
Capital One Venture X
Capital One · $395 annual fee · earns Capital One Miles
Earning rates
- 10x Hotels & rental cars via Capital One Travel
- 5x Flights & vacation rentals via Capital One Travel
- 5x Capital One Entertainment purchases
- 2x Everything
Statement credits (5)
- $300 Capital One Travel Credit — Annual credit for bookings made through the Capital One Travel portal.
- 10,000 Anniversary Miles — Bonus miles every account anniversary — valued at your selected cents-per-mile.
- Global Entry / TSA PreCheck Credit — $120 application-fee credit every 4 years (~$30/yr).
- Premier Collection Experience Credit — $100 experience credit on every stay booked through Capital One Travel's Premier Collection, plus daily breakfast for two and other perks.
- Lifestyle Collection Experience Credit — $50 experience credit on every stay booked through Capital One Travel's Lifestyle Collection.
Full Capital One Venture X breakdown — 14 more benefits on the full page.
Card data verified against issuer sources: American Express Gold Card on 2026-08-24, Capital One Venture X on 2026-08-24.
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