Amex Blue Cash Preferred vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Capital One Venture X wins 4-2. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. Amex Blue Cash Preferred is still the right call if suburban families with kids, best us-supermarket card..
Side-by-side
| Criterion | Amex Blue Cash Preferred | Capital One Venture X |
|---|---|---|
| Annual fee | $95 | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 6% (shopping) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 2.7% | No FX fee |
| Welcome bonus | = $250 statement credit after $3,000 in 6 months | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | 700 | · 720 |
| Editorial rating | · 4.5/5 | 4.7/5 |
Benefits compared
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
FAQ
›Amex Blue Cash Preferred vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Preferred for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.