The Credit Ledger Comparison
Capital One Venture X Rewards Credit Card vs American Express Gold Card
Both are strong cards, but they suit different spenders. Here is how they stack up on fees, rewards, and real value, with our independent take on which wins for you.
| Feature | Capital One Venture X Rewards Credit Card | American Express Gold Card |
|---|---|---|
| Our rating | 4.1 / 5 | 4.1 / 5 |
| Annual fee | $395 | $325 |
| Welcome bonus | 75,000 miles after $4,000 spend in 3 months | Up to 100,000 Membership Rewards points after $8,000 spend in 6 months (offer varies by applicant) |
| Top rewards | 10x miles Hotels and rental cars booked via Capital One Travel | 4X Restaurants worldwide, including takeout and delivery |
| Intro APR (purchases) | None | None |
| Intro APR (balance transfers) | None | None |
| Regular APR | 19.49% to 28.49% variable | 19.49% to 28.49% variable (Pay Over Time) |
| Foreign transaction fee | None | None |
| Best for | Best premium travel card for a mid-tier annual fee | Best card for dining and U.S. supermarket rewards |
Choose the Capital One Venture X Rewards Credit Card if
Best premium travel card for a mid-tier annual fee matches how you spend.
- Annual travel credit and anniversary miles can offset much of the fee
- No foreign transaction fees
- Strong everyday 2x earn rate on all spending
Choose the American Express Gold Card if
Best card for dining and U.S. supermarket rewards matches how you spend.
- Strong 4X earning on dining worldwide and U.S. supermarkets
- Over $400 in annual credits can offset the $325 fee for active users
- No foreign transaction fees
Frequently asked questions
Which has the lower annual fee, the Capital One Venture X Rewards Credit Card or the American Express Gold Card?
The American Express Gold Card has the lower annual fee at $325, compared with $395 for the Capital One Venture X Rewards Credit Card.
Do either of these cards charge a foreign transaction fee?
Neither card charges a foreign transaction fee, so both work well abroad.
Does either card offer a 0% intro APR?
Neither card currently advertises a 0% intro APR offer.
Rates and offers verified 2026-07. Terms change often, so confirm current details on each issuer's site before applying.