Which card earns more rewards, the Blue Cash Preferred Card from American Express or Capital One Venture Rewards Credit Card?

The Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Blue Cash Preferred Card from American Express have that the Capital One Venture Rewards Credit Card doesn't?

The Blue Cash Preferred Card from American Express focuses on earn rates, while the Capital One Venture Rewards Credit Card offers travel credits.

Should I get the Blue Cash Preferred Card from American Express or the Capital One Venture Rewards Credit Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Blue Cash Preferred Card from American Express vs Capital One Venture Rewards Credit Card

Both cards cost $95/yr. The Blue Cash Preferred Card from American Express leads on streaming; the Capital One Venture Rewards Credit Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Blue Cash Preferred Card from American Express American Express · $95/yr	Capital One Venture Rewards Credit Card Capital One · $95/yr
Annual fee	$95 Waived first year	$95
Welcome offerCurrent public offer	As high as $300 cash back — offers vary	75,000 miles
Rewards	Cash back	Capital One Miles
Foreign transaction fee	2.7%	None Lowest
Network	American Express	Mastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Grocery Stores	6%	2x
Streaming	6%	2x
Gas Stations	3%	2x
Ridesharing	3%	2x
Transit	3%	2x
Everything else	1%	2x
Statement creditsAs the issuer states them · — means none on record
Travel	—	$300 Stays Credit (1st Year) · $300 one-time $120 Global Entry/TSA PreCheck · $120 every 4 years
Entertainment & streaming	$10 monthly Disney Bundle credit available · $10 monthly	—
Perks & access— means none on record
Lounges	—	Capital One Lounge access at $45/visit
Hotel status & programs	Amex Travel Best Price Guarantee for hotels	$50 Lifestyle Collection
Car rental	—	Free Hertz Five Star Elite Status with Premium Benefits
Other perks	Amex Offers Early access to concerts and events Global Assist Hotline available 24/7 worldwide	Get 50% Off All Handcrafted Beverages at Capital One Cafes Exclusive Capital One Dining Access to Popular Restaurants Exclusive Capital One Entertainment Access with VIP Packages Zero Foreign Transaction Fees on All International Purchases Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Travel Accident Cover at No Extra Charge
Rental car	Hertz Car Rental Benefits with upgrades $50,000 car rental loss and damage insurance	Secondary Auto Rental Collision Damage Waiver for Rental
Purchase & returns	$1,000 purchase protection for eligible items $300 return protection per eligible item	Automatic Price Drop Cover and Price Match Guarantee Purchase Security up to $10,000 per claim
Extended warranty	Extended Warranty up to one year	Extended Warranty Protection up to $10,000 per claim
Other protections	Zero liability protection on fraudulent charges	Credit monitoring Card Replacement and Cash Advance When Traveling Abroad Zero Dollar Fraud Liability Cover on All Unauthorized
Pros & cons
Pros	6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value) 6% cash back on select U.S. streaming services with no annual cap $120 annual Disney Bundle credit effectively reduces fee to net-negative 3% cash back at U.S. gas stations and on transit with no spending cap 0% intro APR for 12 months on purchases and balance transfers	Unlimited 2X miles on every purchase with no category tracking required 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel One-time $300 stays credit for hotels and vacation rentals in the first year 75,000 mile welcome bonus after $4,000 spend in 3 months TSA PreCheck or Global Entry credit ($120 value every 4 years)
Cons	$95 annual fee after first year (offset by $120 Disney credit if used) 2.7% foreign transaction fee makes it poor for international use 6% grocery cap at $6,000/year limits high-spending households Warehouse clubs (Costco, Sam's Club) do not code as supermarkets 1% back on non-category purchases is below average	$95 annual fee (only partly offset by the one-time first-year stays credit) No lounge access or premium travel perks like Venture X 5X earning requires booking through Capital One Travel portal 2X flat rate beaten by category-specific cards in dining, groceries, etc.
	Card details	Card details

Blue Cash Preferred Card from American Express
American Express · $95/yr
Capital One Venture Rewards Credit Card
Capital One · $95/yr

Overview

Annual fee: Blue Cash Preferred Card from American Express
$95
Waived first year
Capital One Venture Rewards Credit Card
$95
Welcome offerCurrent public offer: Blue Cash Preferred Card from American Express
As high as $300 cash back — offers vary
Capital One Venture Rewards Credit Card
75,000 miles
Rewards: Blue Cash Preferred Card from American Express
Cash back
Capital One Venture Rewards Credit Card
Capital One Miles
Foreign transaction fee: Blue Cash Preferred Card from American Express
2.7%
Capital One Venture Rewards Credit Card
None
Lowest
Network: Blue Cash Preferred Card from American Express
American Express
Capital One Venture Rewards Credit Card
Mastercard World Elite

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Grocery Stores: Blue Cash Preferred Card from American Express
6%
Capital One Venture Rewards Credit Card
2x
Streaming: Blue Cash Preferred Card from American Express
6%
Capital One Venture Rewards Credit Card
2x
Gas Stations: Blue Cash Preferred Card from American Express
3%
Capital One Venture Rewards Credit Card
2x
Ridesharing: Blue Cash Preferred Card from American Express
3%
Capital One Venture Rewards Credit Card
2x
Transit: Blue Cash Preferred Card from American Express
3%
Capital One Venture Rewards Credit Card
2x
Everything else: Blue Cash Preferred Card from American Express
1%
Capital One Venture Rewards Credit Card
2x

Statement creditsAs the issuer states them · — means none on record

Travel: Blue Cash Preferred Card from American Express
—
Capital One Venture Rewards Credit Card
$300 Stays Credit (1st Year) · $300 one-time
$120 Global Entry/TSA PreCheck · $120 every 4 years
Entertainment & streaming: Blue Cash Preferred Card from American Express
$10 monthly Disney Bundle credit available · $10 monthly
Capital One Venture Rewards Credit Card
—

Perks & access— means none on record

Lounges: Blue Cash Preferred Card from American Express
—
Capital One Venture Rewards Credit Card
Capital One Lounge access at $45/visit
Hotel status & programs: Blue Cash Preferred Card from American Express
Amex Travel Best Price Guarantee for hotels
Capital One Venture Rewards Credit Card
$50 Lifestyle Collection
Car rental: Blue Cash Preferred Card from American Express
—
Capital One Venture Rewards Credit Card
Free Hertz Five Star Elite Status with Premium Benefits
Other perks: Blue Cash Preferred Card from American Express
Amex Offers
Early access to concerts and events
Global Assist Hotline available 24/7 worldwide
Capital One Venture Rewards Credit Card
Get 50% Off All Handcrafted Beverages at Capital One Cafes
Exclusive Capital One Dining Access to Popular Restaurants
Exclusive Capital One Entertainment Access with VIP Packages
Zero Foreign Transaction Fees on All International Purchases
Around the Clock 24 Hour Travel Help

Protections & insuranceLimits where published · — means none on record

Trip insurance: Blue Cash Preferred Card from American Express
—
Capital One Venture Rewards Credit Card
Travel Accident Cover at No Extra Charge
Rental car: Blue Cash Preferred Card from American Express
Hertz Car Rental Benefits with upgrades
$50,000 car rental loss and damage insurance
Capital One Venture Rewards Credit Card
Secondary Auto Rental Collision Damage Waiver for Rental
Purchase & returns: Blue Cash Preferred Card from American Express
$1,000 purchase protection for eligible items
$300 return protection per eligible item
Capital One Venture Rewards Credit Card
Automatic Price Drop Cover and Price Match Guarantee
Purchase Security up to $10,000 per claim
Extended warranty: Blue Cash Preferred Card from American Express
Extended Warranty up to one year
Capital One Venture Rewards Credit Card
Extended Warranty Protection up to $10,000 per claim
Other protections: Blue Cash Preferred Card from American Express
Zero liability protection on fraudulent charges
Capital One Venture Rewards Credit Card
Credit monitoring
Card Replacement and Cash Advance When Traveling Abroad
Zero Dollar Fraud Liability Cover on All Unauthorized

Pros & cons

Pros: Blue Cash Preferred Card from American Express
6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
6% cash back on select U.S. streaming services with no annual cap
$120 annual Disney Bundle credit effectively reduces fee to net-negative
3% cash back at U.S. gas stations and on transit with no spending cap
0% intro APR for 12 months on purchases and balance transfers
Capital One Venture Rewards Credit Card
Unlimited 2X miles on every purchase with no category tracking required
5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
One-time $300 stays credit for hotels and vacation rentals in the first year
75,000 mile welcome bonus after $4,000 spend in 3 months
TSA PreCheck or Global Entry credit ($120 value every 4 years)
Cons: Blue Cash Preferred Card from American Express
$95 annual fee after first year (offset by $120 Disney credit if used)
2.7% foreign transaction fee makes it poor for international use
6% grocery cap at $6,000/year limits high-spending households
Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
1% back on non-category purchases is below average
Capital One Venture Rewards Credit Card
$95 annual fee (only partly offset by the one-time first-year stays credit)
No lounge access or premium travel perks like Venture X
5X earning requires booking through Capital One Travel portal
2X flat rate beaten by category-specific cards in dining, groceries, etc.

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

Both cards win in 4 categories each — it comes down to which categories matter most to you. 1 more category depend on booking channel or caps.

Streaming

Blue Cash Preferred Card from American Express earns 6X vs 2X

Transit

Blue Cash Preferred Card from American Express earns 3X vs 2X

Gas Stations

Blue Cash Preferred Card from American Express earns 3X vs 2X

Grocery Stores

Depends: up to $6,000/yr

Blue Cash Preferred Card from American Express earns 6X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)

Ridesharing

Blue Cash Preferred Card from American Express earns 3X vs 2X

Hotels

Capital One Venture Rewards Credit Card earns 5X vs 1X

5X via issuer travel portal

Car Rentals

Capital One Venture Rewards Credit Card earns 5X vs 1X

5X via issuer travel portal

Vacation Rentals

Capital One Venture Rewards Credit Card earns 5X vs 1X

5X via issuer travel portal

Everyday purchases

Capital One Venture Rewards Credit Card earns 2X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Blue Cash Preferred Card from American Express	Capital One Venture Rewards Credit Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $144 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $73 Year one: $168	Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402	Capital One Venture Rewards Credit Card	Capital One Venture Rewards Credit Card
Heavy spender: $4,000/month	Rewards: $576 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $505 Year one: $600	Rewards: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338	Capital One Venture Rewards Credit Card	Capital One Venture Rewards Credit Card

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Blue Cash Preferred Card from American Express means losing:

-Global Entry credit

Which Card Is Right for You?

Get the Blue Cash Preferred Card from American Express if you:

+Do most of your spending at grocery stores

Get the Capital One Venture Rewards Credit Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the Capital One Venture Rewards Credit Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Preferred Card from American Express or Capital One Venture Rewards Credit Card?: The Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Blue Cash Preferred Card from American Express have that the Capital One Venture Rewards Credit Card doesn't?: The Blue Cash Preferred Card from American Express focuses on earn rates, while the Capital One Venture Rewards Credit Card offers travel credits.
Should I get the Blue Cash Preferred Card from American Express or the Capital One Venture Rewards Credit Card?: Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: American Express cards · Capital One cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.