Is the American Express Green Card worth the higher annual fee?

The American Express Green Card costs $150/yr vs $95/yr for the Capital One Venture Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the American Express Green Card or Capital One Venture Rewards Credit Card?

The American Express Green Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the American Express Green Card have that the Capital One Venture Rewards Credit Card doesn't?

The American Express Green Card offers lounge access. The Capital One Venture Rewards Credit Card focuses more on earn rates than premium perks.

Should I get the American Express Green Card or the Capital One Venture Rewards Credit Card?

Choose the Capital One Venture Rewards Credit Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Is the American Express Green Card worth the higher annual fee?

The American Express Green Card costs $150/yr vs $95/yr for the Capital One Venture Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the American Express Green Card or Capital One Venture Rewards Credit Card?

The American Express Green Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the American Express Green Card have that the Capital One Venture Rewards Credit Card doesn't?

The American Express Green Card offers lounge access. The Capital One Venture Rewards Credit Card focuses more on earn rates than premium perks.

Should I get the American Express Green Card or the Capital One Venture Rewards Credit Card?

Choose the Capital One Venture Rewards Credit Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Is the American Express Green Card worth the higher annual fee?

The American Express Green Card costs $150/yr vs $95/yr for the Capital One Venture Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the American Express Green Card or Capital One Venture Rewards Credit Card?

The American Express Green Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the American Express Green Card have that the Capital One Venture Rewards Credit Card doesn't?

The American Express Green Card offers lounge access. The Capital One Venture Rewards Credit Card focuses more on earn rates than premium perks.

Should I get the American Express Green Card or the Capital One Venture Rewards Credit Card?

Choose the Capital One Venture Rewards Credit Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

American Express Green Card vs Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card ($95/yr) is better for everyday value, while the American Express Green Card ($150/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express Green Card

American Express

Capital One Venture Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$150

$95

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Capital One Venture Rewards Credit Card
Dining	3X	1X

Category-by-Category Winner

The American Express Green Card wins in 5 of 5 categories. The Capital One Venture Rewards Credit Card leads in 0.

Travel

American Express Green Card earns 3X vs 1X

Transit

American Express Green Card earns 3X vs 1X

Dining

American Express Green Card earns 3X vs 1X

Ridesharing

American Express Green Card earns 3X vs 1X

Tolls

American Express Green Card earns 3X vs 1X

Is the Fee Difference Worth It?

The American Express Green Card costs $150/yr — that's $55 more than the Capital One Venture Rewards Credit Card ($95/yr). To justify that gap, you need to extract at least $55 in annual value from the card's higher earn rates and benefits.

The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $55 difference is small enough that the American Express Green Card's extra perks make it worth considering for most cardholders.

What You Give Up

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

Choosing Capital One Venture Rewards Credit Card means losing:

Airport lounge access

The Bottom Line

The Capital One Venture Rewards Credit Card has a lower annual fee ($95 vs $150), making it the more accessible option.

The American Express Green Card justifies its higher fee with premium perks like lounge access.

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

Frequently Asked Questions

Is the American Express Green Card worth the higher annual fee?: The American Express Green Card costs $150/yr vs $95/yr for the Capital One Venture Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the American Express Green Card or Capital One Venture Rewards Credit Card?: The American Express Green Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the American Express Green Card have that the Capital One Venture Rewards Credit Card doesn't?: The American Express Green Card offers lounge access. The Capital One Venture Rewards Credit Card focuses more on earn rates than premium perks.
Should I get the American Express Green Card or the Capital One Venture Rewards Credit Card?: Choose the Capital One Venture Rewards Credit Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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American Express Green Card — Full Review All American Express Cards

Capital One Venture 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.

American Express Green Card vs Capital One Venture Rewards Credit Card

American Express Green Card

American Express

Capital One Venture Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$150

$95

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Capital One Venture Rewards Credit Card
Dining	3X	1X

Category-by-Category Winner

The American Express Green Card wins in 5 of 5 categories. The Capital One Venture Rewards Credit Card leads in 0.

Travel

American Express Green Card earns 3X vs 1X

Transit

American Express Green Card earns 3X vs 1X

Dining

American Express Green Card earns 3X vs 1X

Ridesharing

American Express Green Card earns 3X vs 1X

Tolls

American Express Green Card earns 3X vs 1X

Is the Fee Difference Worth It?

The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $55 difference is small enough that the American Express Green Card's extra perks make it worth considering for most cardholders.

What You Give Up

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

Choosing Capital One Venture Rewards Credit Card means losing:

Airport lounge access

The Bottom Line

The Capital One Venture Rewards Credit Card has a lower annual fee ($95 vs $150), making it the more accessible option.

The American Express Green Card justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the American Express Green Card worth the higher annual fee?: The American Express Green Card costs $150/yr vs $95/yr for the Capital One Venture Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the American Express Green Card or Capital One Venture Rewards Credit Card?: The American Express Green Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the American Express Green Card have that the Capital One Venture Rewards Credit Card doesn't?: The American Express Green Card offers lounge access. The Capital One Venture Rewards Credit Card focuses more on earn rates than premium perks.
Should I get the American Express Green Card or the Capital One Venture Rewards Credit Card?: Choose the Capital One Venture Rewards Credit Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Green Amex Green vs Amex Platinum Amex Green vs Capital One Quicksilver Amex Green vs Capital One Venture One

Explore More

American Express Green Card — Full Review All American Express Cards

Capital One Venture 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

American Express Green Card vs Capital One Venture Rewards Credit Card

American Express Green Card

American Express

Capital One Venture Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$150

$95

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Capital One Venture Rewards Credit Card
Dining	3X	1X

Category-by-Category Winner

The American Express Green Card wins in 5 of 5 categories. The Capital One Venture Rewards Credit Card leads in 0.

Travel

American Express Green Card earns 3X vs 1X

Transit

American Express Green Card earns 3X vs 1X

Dining

American Express Green Card earns 3X vs 1X

Ridesharing

American Express Green Card earns 3X vs 1X

Tolls

American Express Green Card earns 3X vs 1X

Is the Fee Difference Worth It?

The American Express Green Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $55 difference is small enough that the American Express Green Card's extra perks make it worth considering for most cardholders.

What You Give Up

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

Choosing Capital One Venture Rewards Credit Card means losing:

Airport lounge access

The Bottom Line

The Capital One Venture Rewards Credit Card has a lower annual fee ($95 vs $150), making it the more accessible option.

The American Express Green Card justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the American Express Green Card worth the higher annual fee?: The American Express Green Card costs $150/yr vs $95/yr for the Capital One Venture Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the American Express Green Card or Capital One Venture Rewards Credit Card?: The American Express Green Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the American Express Green Card have that the Capital One Venture Rewards Credit Card doesn't?: The American Express Green Card offers lounge access. The Capital One Venture Rewards Credit Card focuses more on earn rates than premium perks.
Should I get the American Express Green Card or the Capital One Venture Rewards Credit Card?: Choose the Capital One Venture Rewards Credit Card if you want lower fees and solid rewards. Pick the American Express Green Card if you spend enough to justify the $150/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Amex Green Amex Green vs Amex Platinum Amex Green vs Capital One Quicksilver Amex Green vs Capital One Venture One

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American Express Green Card — Full Review All American Express Cards

Capital One Venture 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

+3X on travel, transit, and dining worldwide covers most everyday spending
+$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
+$100 LoungeBuddy credit provides flexible airport lounge access
+No foreign transaction fees for international travel
+Made from reclaimed ocean plastic (environmentally friendly)

+Unlimited 2X miles on every purchase with no category tracking required
+5X miles on hotels and rental cars booked through Capital One Travel
+$250 annual travel credit offsets most of the $95 annual fee
+75,000 mile welcome bonus after $4,000 spend in 3 months
+TSA PreCheck or Global Entry credit ($120 value every 4 years)

Cons

−$150 annual fee is not waived first year
−No direct lounge network membership (LoungeBuddy is pay-per-use)
−CLEAR credit has limited value outside major airports
−Lower-tier welcome bonus compared to Gold or Platinum
−$35 authorized user fee adds up for multi-card households

−$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
−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.

Pros & Cons

Pros

+3X on travel, transit, and dining worldwide covers most everyday spending
+$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
+$100 LoungeBuddy credit provides flexible airport lounge access
+No foreign transaction fees for international travel
+Made from reclaimed ocean plastic (environmentally friendly)

+Unlimited 2X miles on every purchase with no category tracking required
+5X miles on hotels and rental cars booked through Capital One Travel
+$250 annual travel credit offsets most of the $95 annual fee
+75,000 mile welcome bonus after $4,000 spend in 3 months
+TSA PreCheck or Global Entry credit ($120 value every 4 years)

Cons

−$150 annual fee is not waived first year
−No direct lounge network membership (LoungeBuddy is pay-per-use)
−CLEAR credit has limited value outside major airports
−Lower-tier welcome bonus compared to Gold or Platinum
−$35 authorized user fee adds up for multi-card households

−$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
−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.

Pros & Cons

Pros

+3X on travel, transit, and dining worldwide covers most everyday spending
+$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
+$100 LoungeBuddy credit provides flexible airport lounge access
+No foreign transaction fees for international travel
+Made from reclaimed ocean plastic (environmentally friendly)

+Unlimited 2X miles on every purchase with no category tracking required
+5X miles on hotels and rental cars booked through Capital One Travel
+$250 annual travel credit offsets most of the $95 annual fee
+75,000 mile welcome bonus after $4,000 spend in 3 months
+TSA PreCheck or Global Entry credit ($120 value every 4 years)

Cons

−$150 annual fee is not waived first year
−No direct lounge network membership (LoungeBuddy is pay-per-use)
−CLEAR credit has limited value outside major airports
−Lower-tier welcome bonus compared to Gold or Platinum
−$35 authorized user fee adds up for multi-card households

−$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
−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.

American Express Green Card vs Capital One Venture Rewards Credit Card

American Express Green Card

Capital One Venture Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

American Express Green Card vs Capital One Venture Rewards Credit Card

American Express Green Card

Capital One Venture Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

American Express Green Card vs Capital One Venture Rewards Credit Card

American Express Green Card

Capital One Venture Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?