Is the Blue Cash Preferred Card from American Express worth the higher annual fee?

The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One VentureOne Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.

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

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

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

Choose the Capital One VentureOne Rewards Credit Card if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Blue Cash Preferred Card from American Express worth the higher annual fee?

The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One VentureOne Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.

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

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

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

Choose the Capital One VentureOne Rewards Credit Card if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Blue Cash Preferred Card from American Express worth the higher annual fee?

The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One VentureOne Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.

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

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

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

Choose the Capital One VentureOne Rewards Credit Card if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

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

The Capital One VentureOne Rewards Credit Card ($0/yr) is better for everyday value, while the Blue Cash Preferred Card from American Express ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Blue Cash Preferred Card from American Express

American Express

Capital One VentureOne Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$95(waived year 1)

Welcome Bonus

250 Cash

20,000 Flex point

Earn Rates

Category	Blue Cash Preferred Card from American Express	Capital One VentureOne Rewards Credit Card
Grocery Stores	6X

Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 6 of 6 categories. The Capital One VentureOne Rewards Credit Card leads in 0.

Streaming

Blue Cash Preferred Card from American Express earns 6X vs 1X

Grocery Stores

Blue Cash Preferred Card from American Express earns 6X vs 1X

Transit

Blue Cash Preferred Card from American Express earns 3X vs 1X

Gas Stations

Blue Cash Preferred Card from American Express earns 3X vs 1X

Ridesharing

Blue Cash Preferred Card from American Express earns 3X vs 1X

Tolls

Blue Cash Preferred Card from American Express earns 3X vs 1X

Is the Fee Difference Worth It?

The Blue Cash Preferred Card from American Express costs $95/yr — that's $95 more than the Capital One VentureOne Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

Bottom line: The $95 difference is small enough that the Blue Cash Preferred Card from American Express's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

The Bottom Line

The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Capital One VentureOne Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Blue Cash Preferred Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Blue Cash Preferred Card from American Express worth the higher annual fee?: The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One VentureOne Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Blue Cash Preferred Card from American Express or Capital One VentureOne Rewards Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Blue Cash Preferred Card from American Express or the Capital One VentureOne Rewards Credit Card?: Choose the Capital One VentureOne Rewards Credit Card if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Blue Cash Preferred Amex Blue Cash Everyday vs Capital One Venture One Amex Blue Cash Preferred vs Hilton Honors Amex Amex Green vs Capital One Venture One

Explore More

Blue Cash Preferred Card from American Express — Full Review All American Express Cards

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

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

Blue Cash Preferred Card from American Express

American Express

Capital One VentureOne Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$95(waived year 1)

Welcome Bonus

250 Cash

20,000 Flex point

Earn Rates

Category	Blue Cash Preferred Card from American Express	Capital One VentureOne Rewards Credit Card
Grocery Stores	6X

Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 6 of 6 categories. The Capital One VentureOne Rewards Credit Card leads in 0.

Streaming

Blue Cash Preferred Card from American Express earns 6X vs 1X

Grocery Stores

Blue Cash Preferred Card from American Express earns 6X vs 1X

Transit

Blue Cash Preferred Card from American Express earns 3X vs 1X

Gas Stations

Blue Cash Preferred Card from American Express earns 3X vs 1X

Ridesharing

Blue Cash Preferred Card from American Express earns 3X vs 1X

Tolls

Blue Cash Preferred Card from American Express earns 3X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Blue Cash Preferred Card from American Express's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

The Bottom Line

The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Blue Cash Preferred Card from American Express worth the higher annual fee?: The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One VentureOne Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Blue Cash Preferred Card from American Express or Capital One VentureOne Rewards Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Blue Cash Preferred Card from American Express or the Capital One VentureOne Rewards Credit Card?: Choose the Capital One VentureOne Rewards Credit Card if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Blue Cash Preferred Amex Blue Cash Everyday vs Capital One Venture One Amex Blue Cash Preferred vs Hilton Honors Amex Amex Green vs Capital One Venture One

Explore More

Blue Cash Preferred Card from American Express — Full Review All American Express Cards

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

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

Blue Cash Preferred Card from American Express

American Express

Capital One VentureOne Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$95(waived year 1)

Welcome Bonus

250 Cash

20,000 Flex point

Earn Rates

Category	Blue Cash Preferred Card from American Express	Capital One VentureOne Rewards Credit Card
Grocery Stores	6X

Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 6 of 6 categories. The Capital One VentureOne Rewards Credit Card leads in 0.

Streaming

Blue Cash Preferred Card from American Express earns 6X vs 1X

Grocery Stores

Blue Cash Preferred Card from American Express earns 6X vs 1X

Transit

Blue Cash Preferred Card from American Express earns 3X vs 1X

Gas Stations

Blue Cash Preferred Card from American Express earns 3X vs 1X

Ridesharing

Blue Cash Preferred Card from American Express earns 3X vs 1X

Tolls

Blue Cash Preferred Card from American Express earns 3X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Blue Cash Preferred Card from American Express's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

The Bottom Line

The Capital One VentureOne Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Blue Cash Preferred Card from American Express worth the higher annual fee?: The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One VentureOne Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Blue Cash Preferred Card from American Express or Capital One VentureOne Rewards Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Blue Cash Preferred Card from American Express or the Capital One VentureOne Rewards Credit Card?: Choose the Capital One VentureOne Rewards Credit Card if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Blue Cash Preferred Amex Blue Cash Everyday vs Capital One Venture One Amex Blue Cash Preferred vs Hilton Honors Amex Amex Green vs Capital One Venture One

Explore More

Blue Cash Preferred Card from American Express — Full Review All American Express Cards

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

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

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all purchases
+No foreign transaction fees

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

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

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

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all purchases
+No foreign transaction fees

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

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

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

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all purchases
+No foreign transaction fees

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

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

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

Blue Cash Preferred Card from American Express

Capital One VentureOne Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

Which Card Is Right for You?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

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

Blue Cash Preferred Card from American Express

Capital One VentureOne Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

Which Card Is Right for You?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

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

Blue Cash Preferred Card from American Express

Capital One VentureOne Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

Which Card Is Right for You?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Benefits & Features

Pros & Cons

Benefits & Features

Pros & Cons