Capital One Venture Card vs. Amex Gold Card [Detailed Comparison]

Key Takeaways

• The Capital One Venture Rewards Credit Card earns 5x miles on hotels and rental cars booked through Capital One Travel and 2x miles on everything else.
• The American Express^® Gold Card earns 4x points at restaurants worldwide (up to $50,000 per year) and U.S. supermarkets (up to $25,000 per year), 3x points on flights, and 1x points on everything else.
• Both cards offer strong travel redemptions, but the Capital One Venture card is better for flat-rate earnings on all purchases, while the Amex Gold card suits those who spend a lot in the bonus categories and don’t mind a higher annual fee (rates & fees).

There’s no doubt that Capital One and American Express have become key leaders when we look at credit card issuers. Capital One focuses on simplicity but has a card for every type of consumer, from those who have no credit or poor credit to those who have excellent credit. American Express comes through with creative earning structures, redemption options perfect for the traveler, and adds to that a collection of valuable benefits.

You won’t go wrong selecting a card from either issuer, but today we want to zero in on just 2 popular cards that have similar redemption options but have earning structures suited for different types of consumers.

While both of our featured cards earn rewards that result in good-value travel redemptions, how you’ll get to that result varies for each card, based on your spending mix.

If you have even a slight interest in learning about either card, you’ll find value in our comparison of the Capital One Venture Rewards Credit Card and the American Express^® Gold Card.

Welcome Bonus Offer Comparison

Capital One Venture Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Apply Now(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Amex Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer as high as 100,000 points with the Amex Gold card. Welcome offers may vary and you may not be eligible for an offer.

There is a unique opportunity to earn a welcome bonus immediately after you’re approved for either of our featured cards. Welcome bonuses help jumpstart your earnings and in the case of these 2 popular cards, the initial rewards bonus can be very generous.

A welcome bonus is earned after meeting minimum spending requirements within a specified period of time, either within the 3 months, 6 months, or even 12 months after card approval.

The actual value you receive will depend on how you redeem your miles or points. We’ll cover more on redemption options shortly.

Bottom Line: Welcome offers, as well as the value of a welcome offer, can change periodically, so be sure to check for the most current bonus prior to applying for any card. We’ve included snapshot tables of our featured cards above that reflect current bonuses.

Minimum Qualification Requirements

For the Capital One Venture card, Capital One recommends a good to excellent credit score for qualification. However, Capital One clarifies that applicants should “never have declared bankruptcy or defaulted on a loan, not been 60 days late on a credit card, loan, or medical bill, and has had a loan or credit card for $5,000 or more in the past 3 years.”

American Express recommends a good to excellent credit score for the Amex Gold card.

These are just guidelines — of course, the higher your score, the better the odds are for approval.

You’ll want to be sure to check your credit report for accuracy before applying for any card and check for preapproved offers that may be already waiting for you. It’s best to utilize a risk-free option such as the CardMatch tool to find these offers as the tool does not affect your credit score with a hard inquiry and minimal information is required.

Both Capital One and Amex card offers, if available to you, can be found using the CardMatch tool.

Preapproved or prequalified offers do not guarantee card approval, only that your chances for approval are better for the selected offers shown.

Bottom Line: You should aim to have good to excellent score to qualify for the Capital One Venture card and a good to excellent score for the Amex Gold card. Check your credit report to see where you stand before applying and use the CardMatch tool to see if you have any preapproved offers waiting for you.

Earning Rewards

One of the greatest benefits of holding a rewards credit card is earning valuable rewards currencies you can redeem for something of value. Both of our featured cards offer very different reward-earning structures but in the end, accomplish that exact objective.

Here’s how you’ll earn rewards on the Capital One Venture card and the Amex Gold card:

If your spending centers on everyday purchases at U.S. supermarkets, dining out, and on flights directly purchased with the airline (or AmexTravel.com), you’ll earn well on the Amex Gold card. However, you may have ongoing expenses that do not fall into those categories. If so, you may do better with the Capital One Venture card.

Additionally, you’ll want to consider annual fees. However, when you spend enough on either card to earn the initial welcome bonus, the value received in the first year more than offsets either annual fee.

Bottom Line: While each card has its own rewards earning structure, both offer flexible (and therefore valuable) rewards currencies that can be redeemed for travel and additional redemption options. The better card for you from an earnings standpoint will be the one that closely matches your spending mix. 

Redeeming Rewards

Both of our featured cards have similar redemption options, particularly when redeeming miles or points for travel. Let’s look closer at your options at redemption time in the order of the greatest potential value.

Receiving the best value at redemption time is one of the joys of earning rewards. We’ll get you started with how to redeem your miles and points with transfer partners in our guides on Capital One Miles transfer partners and Amex transfer partners.

We’ve also put together some creative suggestions for getting the most value from your Capital One miles and for your Membership Rewards points.

Bottom Line: While it’s easy to receive 1 cent in value when redeeming rewards with either of our featured cards, the best potential value may be realized by transferring rewards to travel partners to redeem for award flights or hotel nights. 

Travel Benefits and Protections

Travel benefits and protections can save you money, deliver peace of mind, and provide protection during your travels.

Here’s how our cards compare when we look at additional travel benefits and protections:

Capital One Venture Card

• Global Entry or TSA PreCheck Fee Reimbursement — Charge the applicable fee to your card and receive up to $120 as a statement credit.
• Travel Assistance Services — Receive 24/7 assistance with translation service referrals, medical and legal referrals, emergency cash, and more.

Amex Gold Card

• Car Rental Insurance — Pay for the entire rental with your card, decline the agency’s collision damage waiver coverage, and receive secondary coverage. The card also comes with the option to purchase Premium Protection for 1 low price that covers the entire rental period up to 42 days. Coverage prices range from $12.95 to $24.95 for the entire rental period.
• Trip Delay Coverage — Receive up to $300 if your trip is delayed more than 12 hours.
• Luggage Insurance — Up to $1,250 for damaged, lost, or stolen carry-ons and up to $500 for checked baggage.
• Global Assist Hotline — Receive help 24/7 when traveling more than 100 miles from home.
• Travel Accident Insurance — Receive up to $250,000 for accidental death or dismemberment.
• The Hotel Collection Benefits — On stays of 2 nights or longer booked with your card, you’ll receive a $100 on-site property credit, an upgraded room (when available), and 2x earnings.

Shopping Benefits and Protections

Shopping benefits and protections can save you money on eligible purchases and provide protection should damage or theft occur to qualifying items purchased with your card.

Bottom Line: The Capital One Venture card and Amex Gold card come with similar travel and shopping benefits and protections. However, the Amex Gold card may have the edge with monthly dining statement credits and Uber Cash credits, if you can utilize these benefits.

Which Card Is Best For You – Summary

We’ve gone into some detail about how our featured cards stack up in each of the key categories but it’s now time to reflect on the overall comparison and look at the attributes of both cards side by side.

Here’s how the cards compare overall.

*For some of the benefits mentioned above, enrollment may be required.

Alternative Cards To Consider

Capital One VentureOne Rewards Credit Card

LIMITED TIME OFFER

Capital One VentureOne Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel.

$100 travel credit + 20,000 miles

UP's Offer Valuation*:

$460

Annual Fee

$0

APR

Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee
• No foreign transaction fees
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

If you’re looking to earn rewards on every purchase you make but don’t want to pay an annual fee, the Capital One VentureOne card*×Information collected independently. Not reviewed by Capital One. is a nice alternative.

Blue Cash Preferred^® Card from American Express

GREAT FOR CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

UP's Offer Valuation*:

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.74%-28.74% Variable,0% on purchases for 12 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

• $0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74% - 28.74%.
• Plan It^®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express^® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
• Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred^® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.74%-28.74% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

If earning on everyday purchases such as those at supermarkets, streaming service subscriptions, on transit, and at gas stations is important to you, you’ll find the card will work well for earning rewards on those purchases.

You’ll also find an introductory 0% APR on purchases offered with the card (regular APR, as shown above, will apply after the introductory period).

Chase Freedom Unlimited^®

Terms Apply / Rates & Fees

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Another option for earning on every purchase you make without having to pay an annual fee is the Freedom Unlimited card.

The card pairs nicely with Chase premium cards, including the Chase Sapphire Preferred^® Card or the Chase Sapphire Reserve^®. Transfer Chase points earned on your Freedom Unlimited card and receive much more value when redeeming points for travel purchases via the Chase travel portal.

Final Thoughts

While the Capital One Venture card and Amex Gold card offer nice redemption values when redeeming rewards for travel, the better card for you will be the 1 that matches your spending mix and your preference of how much you want to spend on an annual fee.

The Amex Gold card could be a match if you spend a lot at the supermarket, on dining, or on flights via the airline or AmexTravel.com. The Capital One Venture card with its flat-rate earnings makes it a match for earning on all of your purchases, not just those in select bonus categories.

Regardless of the card you select, you will want the value received to offset the annual fee. In the first year, earning the welcome bonus on either of our featured cards should accomplish that objective.

Any ongoing card value will be determined by how your spending mix is rewarded each year, the value you receive at redemption time, and how many of the benefits you utilize.

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.