American Express Gold Card vs Venture X
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
American Express Gold Card
Estimated value every year on typical spending
$332/ year
Every year, after the annual fee. Year one adds a $800 welcome bonus: $1,132
Venture X
Estimated value every year on typical spending
$504/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,254
The short answer
- On typical spending, the Capital One Venture X comes out ahead: about $504 a year after its fee, against $332 for the American Express Gold Card.
- The American Express Gold Card earns more on groceries, dining.
- The Capital One Venture X earns more on gas, travel, everything else.
- The American Express Gold Card costs $70 less a year to hold.
Side by side
| American Express Gold Card | Venture X | |
|---|---|---|
| Annual fee | $325 | $395 |
| Rewards | 4X points at restaurants worldwide and U.S. supermarkets; 5X points on prepaid hotels booked through AmexTravel.com; 3X points on flights booked through AmexTravel.com or directly with airlines | 10X miles on hotels and rental cars booked through Capital One Travel |
| Welcome bonus | 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership. | Enjoy premium travel benefits with 75,000 bonus miles |
| Credits counted | $148/yr | $275/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | 19.74% to 28.74% variable | 19.74% to 28.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Good/Excellent | Excellent |
Yearly rewards by category
| Category (monthly spend) | American Express Gold Card | Venture X |
|---|---|---|
| groceries ($500) | $192 | $120 |
| dining ($400) | $154 | $96 |
| gas ($200) | $19 | $48 |
| travel ($300) | $29 | $72 |
| everything else ($1,200) | $115 | $288 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the American Express Gold Card or the Capital One Venture X?
On typical spending the Capital One Venture X is worth more: about $504 a year after its fee, against $332 for the American Express Gold Card. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The American Express Gold Card ($325 a year, against $395).
Which is better for groceries?
The American Express Gold Card. On $500 a month of groceries it earns about $192 a year, against $120 with the Capital One Venture X.
Which is better for dining?
The American Express Gold Card. On $400 a month of dining it earns about $154 a year, against $96 with the Capital One Venture X.
Which is better for travel?
The Capital One Venture X. On $300 a month of travel it earns about $72 a year, against $29 with the American Express Gold Card.
Which is better for gas?
The Capital One Venture X. On $200 a month of gas it earns about $48 a year, against $19 with the American Express Gold Card.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
Open CompareRelated comparisons
- Platinum Card vs Venture X
- Chase Sapphire Reserve vs Venture X
- American Express Gold Card vs Chase Sapphire Preferred Credit Card
- American Express Gold Card vs Platinum Card
- American Express Gold Card vs Citi Strata Premier Card
- Venture Rewards vs Venture X
- Venture X vs Chase Sapphire Preferred Credit Card
- Blue Cash Preferred Card vs American Express Gold Card
- American Express Gold Card vs Chase Sapphire Reserve
- Venture X vs Citi Strata Premier Card
- Venture X vs Citi Strata Elite Card
Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.