Capital One Venture vs Amex Business Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Capital One Venture wins 4-1. Simple travel earn — 2x on every dollar, no categories to track 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 | Capital One Venture | Amex Business Gold |
|---|---|---|
| Annual fee | $95 | · $375 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 4% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 in first 3 months (~$750 in travel) | = 70,000 Membership Rewards points after $10,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Capital One Venture
- 2x miles on every purchase
- 5x miles on hotels and rental cars booked via Capital One Travel
- Up to $100 credit for Global Entry/TSA PreCheck
- Transfer miles to 15+ airline/hotel partners
- No foreign transaction fees
- Two complimentary visits/year to Capital One Lounges
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
FAQ
›Capital One Venture vs Amex Business Gold: which is better?
Capital One Venture wins on more dimensions (4 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Venture for its best categories, Amex Business Gold for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture: 75,000 miles after $4,000 in first 3 months (~$750 in travel). Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.