Edited by: Keri Stooksbury
& Stella Shon
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Trying to decide which credit card is best for you can be challenging. Different bonus categories, reward ecosystems, perks, and fees … there can be quite a bit to dissect in order to determine which card is the best match for your lifestyle.
In this guide, we will provide a detailed comparison of the American Express® Green Card and the Capital One Venture X Rewards Credit Card to help you decide which card you should add to your wallet next.
Before we do a deep dive into everything you need to know about each card, here is a quick head-to-head comparison.
|Benefit or Feature||American Express® Green Card||Capital One Venture X Rewards Credit Card (rates and fees)|
|Welcome Bonus Offer||Earn 40,000 points after spending $3,000 within the first 6 months.||Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.|
3x points at restaurants (including takeout and delivery in the U.S.), on transit (including rideshares, trains, subways, parking, and more), and on travel (including airfare, hotels, and car rentals)
|Travel Benefits and Protections||
Baggage insurance, trip delay reimbursement, secondary rental car insurance, and more
|Shopping Benefits and Protections||
Amex Offers, purchase protection, extended warranty
Capital One Offers, Cell phone protection, return protection, purchase protection, and extended warranty
|Annual Fee||$150||$395 (rates and fees)|
|Authorized User Fee||$0 for the first 5 cardholders, then $35||Add cardholders to your account for no fee|
A great welcome offer is one of the best ways to kickstart your rewards balance and get you one step closer to booking your next trip. Take a look at the welcome offers from each card below.
This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
The American Express® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
One of the best ways to determine if a card is a good fit for you is if its bonus categories match your spending habits, which will help you rack up significantly more points.
|Bonus Category||Amex Green Card||Capital One Venture X Card|
|Eligible Travel||3x points||2x miles|
|Dining||3x points||2x miles|
|Transit (Trains, Ferries, Buses, Subways, Rideshares, etc.)||3x points||2x miles|
|Hotels and Rental Cars Through Capital One Travel||N/A||10x miles|
|Airfare Through Capital One Travel||N/A||5x miles|
|All Other Purchases||1x points||2x miles|
Once again, you’ll want to examine the bonus categories closely to determine which card will help you earn more points. If you spend more on travel, dining, and transit purchases, then there is a good chance that the Amex Green card will earn you more rewards overall.
However, if your purchase habits don’t regularly fall into certain categories, you prefer to not have to worry about bonus categories at all, and/or you travel often and don’t mind booking your travel through Capital One, then the Capital One Venture X card is a stellar option.
The Amex Green card earns American Express Membership Rewards points, which gives you multiple redemption options. With these points, you’ll have the ability to use Amex’s transfer partners, book through the Amex Travel portal, redeem for cash-back via a statement credit, redeem for gift cards, or shop with select merchants.
When it comes to getting as much value as possible out of your points, our favorite way to redeem Amex points is with Amex’s hotel and airline transfer partners. Thanks to these partnerships you can use your points for luxury travel experiences for a fraction of what it would normally cost.
For example, when transferring your points to ANA Mileage Club, you can book round-trip business class awards between the U.S. and Europe on Star Alliance carriers like United, Lufthansa, and Swiss for just 88,000 Amex points. If you were to pay cash for the same ticket, you could easily shell out $3,000 or more.
Similarly, Capital One miles are also a flexible rewards currency that gives cardholders multiple redemption options. These options include Capital One transfer partners, travel purchases through Capital One Travel, cash-back via a statement credit, gift cards, and shopping with select retailers.
Like with other transferable currencies, our favorite way to redeem our Capital One miles is through the Capital One transfer partners. For instance, you could transfer your miles to the Air Canada Aeroplan program and book a one-way business class flight between New York and Los Angeles in United Polaris business class for 25,000 miles.Hot Tip:
When you hold the Amex Green card, you’ll receive an annual CLEAR Plus credit of up to $189.
If you’re not familiar with CLEAR, the service provides an expedited security experience at select airports and stadiums nationwide using your biometrics like your fingerprint or eye. This allows you to go right to the front of the ID check line. If you’re someone who would purchase a CLEAR Plus membership otherwise, then this single perk can negate the Amex Green card’s $150 annual fee for you.
Amex Green cardholders also receive an annual LoungeBuddy credit of up to $100. This credit can be used toward any of the 300+ LoungeBuddy airport lounges worldwide. The cost to enter an eligible lounge can vary, but at the very least the credit should get you at least 2 to 3 visits per year.
With your Capital One Venture X card, you’ll receive an annual travel credit of $300 that can be redeemed for flights, hotels, and rental cars through the Capital One Travel portal.
If you were planning to spend at least $300 on travel throughout the year anyway, this annual credit makes the $395 annual fee of the Capital One Venture X card an effective $95.
Additionally, your Capital One Venture X card comes with a Global Entry or TSA PreCheck statement credit. Keep in mind that applying for Global Entry includes TSA PreCheck, but applying for TSA PreCheck does not include Global Entry, so we recommend you use your statement credit to apply for Global Entry to get access to 2 great timesavers for the same credit.
|Benefit or Protection||Amex Green Card||Capital One Venture X Card|
|Rental Car Insurance||Secondary||Primary|
|Baggage Protection||Checked luggage and carry-on luggage||Checked luggage and carry-on luggage|
|Trip Delay Reimbursement||Up to $300 in coverage for flights delayed by 12 hours or more||Up to $500 in coverage for flights delayed by 6 hours or more|
|Airport Lounge Access||Up to $100 annual LoungeBuddy credit||Access to Priority Pass, Capital One Lounges, and select Plaza Premium Lounges|
|Rental Car Status||None||Hertz Gold Plus Rewards President’s Circle status|
Unsurprisingly, the Capital One Venture X card offers far more travel benefits and protections than the Amex Green card, which is to be expected given the difference in the annual fees of each card. Given that, if having a full airport lounge membership and excellent travel protections are a must-have for you, then the Capital One Venture X card would be the better option by far.
Here is how each product keeps you covered when purchasing items with your card.
The annual fee of the Amex Green card is $150 while the annual fee of the Capital One Venture X card is $395. Given there is a big difference in fees, you’ll want to ensure that you value the benefits you’d receive from the Capital One Venture X card outweigh the additional cost you’ll need to pay.
Amex Green cardholders can add up to 5 cards for no additional cost, and any additional cards beyond that are $35 each. With the Capital One Venture X card, you can add cardholders to your account for no authorized user fee.
Both the Amex Green card and Capital One Venture X card are great options to add to your wallet thanks to their unique combinations of strong rewards-earning on spending and travel benefits.
Those who want a premium travel rewards card with well-rounded points-earning categories and thorough travel benefits would be better off with the Capital One Venture X card. However, if you don’t travel often enough to justify the annual fee on the Capital One Venture X card, then the Amex Green card might make more sense for you.
For the car rental loss and damage insurance benefit of the American Express® Green Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Objectively speaking, the Capital One Venture X card offers far more benefits and protections than the Amex Green card, but it also has a much larger annual fee.
Knowing that, deciding which card is better for you comes down to what you value out of a card. Consider each card’s bonus categories, perks, protections, fees, and redemption options, and then select the card that makes the most sense for your needs and spending habits.
The top benefits of the Capital One Venture X card include airport lounge access, an annual travel credit of $300, a 10,000-mile bonus at each card anniversary, at least 2x miles on every purchase you make, Hertz elite status, and more.
The top benefits of the Amex Green card include the ability to earn 3x points on travel, transit, and dining purchases, an annual LoungeBuddy statement credit, an annual CLEAR Plus statement credit, and more.
The annual fee of the Amex Green card is $150.
The annual fee of the Capital One Venture X card is $395.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.