Amex Business Gold vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Capital One Venture X wins 3-1. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. Amex Business Gold is still the right call if small businesses, 4x on top 2 spend categories from a list of 6..
Side-by-side
| Criterion | Amex Business Gold | Capital One Venture X |
|---|---|---|
| Annual fee | $375 | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 4% (shopping) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Membership Rewards points after $10,000 spend in 3 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 | = 720 | = 720 |
| Editorial rating | · 4.5/5 | 4.7/5 |
Benefits compared
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly flexible business credit at select merchants (enrollment required)
- $240 Amex Business Line of Credit access
- No foreign transaction fees
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 Business Gold vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (3 vs 1). 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 Business Gold 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 Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.