American Express Green Card vs Capital One Venture X Rewards Credit Card
Annual fees: American Express Green Card $150/yr, Capital One Venture X Rewards Credit Card $395/yr. Strongest bonus categories: American Express Green Card on travel, Capital One Venture X Rewards Credit Card on hotels.
Card data as of November 13, 2026.
American Express Green CardAmerican Express · $150/yr
Capital One Venture X Rewards Credit CardCapital One · $395/yr
Overview
- Annual fee
- American Express Green Card$150LowestCapital One Venture X Rewards Credit Card$395
- Welcome offerCurrent public offer
- American Express Green Card40,000 pointsCapital One Venture X Rewards Credit Card75,000 miles
- Rewards
- American Express Green CardAmerican Express Membership RewardsCapital One Venture X Rewards Credit CardCapital One Miles
- Foreign transaction fee
- American Express Green CardNoneCapital One Venture X Rewards Credit CardNone
- Network
- American Express Green CardAmerican ExpressCapital One Venture X Rewards Credit CardVisa Infinite
Earn ratesPer $1 spent
- Dining
- American Express Green Card3xHighestCapital One Venture X Rewards Credit Card2x
- Ridesharing
- American Express Green Card3xHighestCapital One Venture X Rewards Credit Card2x
- Transit
- American Express Green Card3xHighestCapital One Venture X Rewards Credit Card2x
- Travel
- American Express Green Card3xHighestCapital One Venture X Rewards Credit Card2x
- Flights
- American Express Green Card1xCapital One Venture X Rewards Credit Card2xHighest
- Hotels
- American Express Green Card1xCapital One Venture X Rewards Credit Card2xHighest
- Everything else
- American Express Green Card1xCapital One Venture X Rewards Credit Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- American Express Green Card
- $100 LoungeBuddy credit
Capital One Venture X Rewards Credit Card- $300 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Perks & access— means none on record
- Lounges
- American Express Green Card—Capital One Venture X Rewards Credit Card
- Free Capital One Lounge access at 6 major airports
- Free Priority Pass Select with Over 1,300 Lounge Locations
- Hotel status & programs
- American Express Green Card—Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
- Car rental
- American Express Green Card—Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
- Other perks
- American Express Green Card
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Capital One Venture X Rewards Credit Card- Discounted membership to The Cultivist
- 24/7 personal concierge service
- Miles Redemption
- Exclusive Dining Experiences at Award Winning Restaurants
- No Foreign Transaction Fees on International Purchases
- Around the Clock Travel Emergency Help Services
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- American Express Green Card
- Trip delay coverage up to $300 per trip after 12 hours
Capital One Venture X Rewards Credit Card- Travel Accident Insurance Coverage Up to $1,000,000 Per Trip
- $2,000 trip cancellation and interruption insurance
- Trip Delay Insurance Coverage Up to $500 Per Passenger
- Baggage
- American Express Green Card
- Baggage insurance up to $1,250 for carry-on, $500 checked
Capital One Venture X Rewards Credit Card- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
- Rental car
- American Express Green Card
- Car rental insurance up to $50,000 for theft or damage
Capital One Venture X Rewards Credit Card- Primary Auto Rental Collision Damage Waiver Up to $75,000
- Purchase & returns
- American Express Green Card
- Purchase protection up to $1,000 per item for 90 days
- Return protection up to $300 per item within 90 days
Capital One Venture X Rewards Credit Card- Up to $10K purchase protection
- Up to $300 return protection
- Extended warranty
- American Express Green Card
- Extended warranty adds 1 year to eligible purchases · up to $10,000
Capital One Venture X Rewards Credit Card- Extended Warranty Protection up to $10,000 per claim
- Cell phone
- American Express Green Card—Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
- Other protections
- American Express Green Card
- Zero liability protection on fraudulent charges
Capital One Venture X Rewards Credit Card- Flexible Flight Cancellation Protection Up To 3 Hours Before
- Travel Price Match and Cover for Capital One Travel Bookings
Pros & cons
- Pros
- American Express Green Card
- 3X on travel, transit, and dining worldwide covers most everyday spending
- CLEAR Plus statement credit helps offset 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)
Capital One Venture X Rewards Credit Card- Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
- 10X miles on hotels and rental cars booked through Capital One Travel
- Complimentary access to Capital One Lounges and Landings for the primary cardholder
- Priority Pass Select membership with 1,300+ lounges worldwide
- Additional cardholders can be added; lounge access for each costs $125 per year
- Cons
- American Express Green Card
- $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
Capital One Venture X Rewards Credit Card- $395 annual fee requires maximizing credits to get value
- 10X earning rate requires booking through Capital One Travel portal
- Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- No airline transfer bonuses unlike some competitors
- Travel credits only work for Capital One Travel bookings
Expert Analysis
The American Express Green Card and Capital One Venture X Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The American Express Green Card's strongest category is Travel at 3X, while the Capital One Venture X Rewards Credit Card leads with 2X on Hotels. Overall, the American Express Green Card wins in more bonus categories (5 vs 2) — so the better choice depends on where you spend the most.
At $150/yr vs $395/yr, the American Express Green Card is the more accessible option. The Capital One Venture X Rewards Credit Card needs to deliver at least $245 in annual value through its premium benefits to justify the gap. It offers airport lounge access, a Global Entry/TSA PreCheck credit, which can cover that gap for active users.
Key Differences
- American Express Green Card earns 3X on Travel vs 2X for the other
- American Express Green Card earns 3X on Transit vs 2X for the other
- American Express Green Card earns 3X on Dining vs 2X for the other
- The American Express Green Card costs $150/yr vs $395/yr — a $245 annual gap
- Only the Capital One Venture X Rewards Credit Card offers a Global Entry/TSA PreCheck credit
- Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X on non-bonus spending)
Spending Scenarios
Which card wins in real-world spending situations?
$300/month on travel
American Express Green CardAmerican Express Green Card earns 3X vs 2X. Over a year, that's 10,800 vs 7,200 points — a 3,600-point advantage.
$100/month on transit
American Express Green CardAmerican Express Green Card earns 3X vs 2X. Over a year, that's 3,600 vs 2,400 points — a 1,200-point advantage.
$200/month on hotels
Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit Card earns 2X vs 1X. Over a year, that's 4,800 vs 2,400 points — a 2,400-point advantage.
$300/month on flights
Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit Card earns 2X vs 1X. Over a year, that's 7,200 vs 3,600 points — a 3,600-point advantage.
Mixed everyday spending, 2 trips/year
American Express Green CardWithout heavy spending in the Capital One Venture X Rewards Credit Card's premium categories, the $245 fee difference is hard to recover. The American Express Green Card delivers better overall value for moderate spenders.
Who Should Get Which?
Get the American Express Green Card if:
The American Express Green Card is ideal for cardholders who prioritize spending heavily on travel and transit and keeping annual costs low. At $150/yr, it delivers solid return on the annual fee investment for its target audience.
Get the Capital One Venture X Rewards Credit Card if:
The Capital One Venture X Rewards Credit Card is ideal for cardholders who prioritize spending heavily on hotels and flights and maximizing premium travel perks and earning more on everyday purchases. At $395/yr, it delivers solid return on the annual fee investment for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Capital One Venture X Rewards Credit Card wins in 5 of 9 categories. The American Express Green Card leads in 4.
Travel
American Express Green Card earns 3X vs 2X
Transit
American Express Green Card earns 3X vs 2X
Dining
American Express Green Card earns 3X vs 2X
Ridesharing
American Express Green Card earns 3X vs 2X
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Flights
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Vacation Rentals
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Everyday purchases
Capital One Venture X 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.
Close — depends on how much of the credits you use
| Scenario | American Express Green Card | Capital One Venture X Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $270 Credits (our usable estimate): $60 − Annual fee ($150) Ongoing: $180 Year one: $780 | Rewards: $312 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Close — depends on how much of the credits you use | Capital One Venture X Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,080 Credits (our usable estimate): $60 − Annual fee ($150) Ongoing: $990 Year one: $1,590 | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Close — depends on how much of the credits you use | Capital One Venture X Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $245 more than the American Express Green Card ($150/yr). To justify that gap, you need to extract at least $245 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $245 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $245 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $245 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing American Express Green Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the American Express Green Card if you:
- +Spend $300+/month on restaurants and dining out
Get the Capital One Venture X Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Close — depends on how much of the credits you use
Everyday (non-bonus) spend earns 2X on the Capital One Venture X Rewards Credit Card vs 1X on the other card.
Published annual fees: American Express Green Card $150/yr, Capital One Venture X Rewards Credit Card $395/yr — a $245 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?
- The Capital One Venture X Rewards Credit Card costs $395/yr vs $150/yr for the American Express Green Card. Compare the year-one vs ongoing value table on this page — the $245 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).
- Which card earns more rewards, the American Express Green Card or Capital One Venture X Rewards Credit Card?
- The Capital One Venture X 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 American Express Green Card have that the Capital One Venture X Rewards Credit Card doesn't?
- The American Express Green Card offers lounge access. The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection.
- Should I get the American Express Green Card or the Capital One Venture X Rewards Credit Card?
- Use the spend scenarios on this page: the American Express Green Card has a lower $150/yr fee; the Capital One Venture X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.