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. 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 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.

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. 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 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.

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. 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 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.

American Express Green Card vs Capital One Venture X Rewards Credit Card

The American Express Green Card ($150/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

American Express Green Card

American Express

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$150

$395

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Ridesharing

Category-by-Category Winner

The American Express Green Card wins in 5 of 8 categories. The Capital One Venture X Rewards Credit Card leads in 3.

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

Tolls

American Express Green Card earns 3X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

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

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card costs $395/yr — that's 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 Bottom Line

The American Express Green Card has a lower annual fee ($150 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

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

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. 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 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.
Should I get the American Express Green Card or the Capital One Venture X Rewards Credit Card?: Choose the American Express Green Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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

Explore More

American Express Green Card — Full Review All American Express Cards

Capital One Venture X 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 X Rewards Credit Card

American Express Green Card

American Express

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$150

$395

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Ridesharing

Category-by-Category Winner

The American Express Green Card wins in 5 of 8 categories. The Capital One Venture X Rewards Credit Card leads in 3.

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

Tolls

American Express Green Card earns 3X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

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

Is the Fee Difference Worth It?

The Bottom Line

The American Express Green Card has a lower annual fee ($150 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

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. 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 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.
Should I get the American Express Green Card or the Capital One Venture X Rewards Credit Card?: Choose the American Express Green Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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

Explore More

American Express Green Card — Full Review All American Express Cards

Capital One Venture X 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 X Rewards Credit Card

American Express Green Card

American Express

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$150

$395

Welcome Bonus

40,000 Flex point

75,000 Flex point

Earn Rates

Category	American Express Green Card	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Ridesharing

Category-by-Category Winner

The American Express Green Card wins in 5 of 8 categories. The Capital One Venture X Rewards Credit Card leads in 3.

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

Tolls

American Express Green Card earns 3X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

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

Is the Fee Difference Worth It?

The Bottom Line

The American Express Green Card has a lower annual fee ($150 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

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. 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 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.
Should I get the American Express Green Card or the Capital One Venture X Rewards Credit Card?: Choose the American Express Green Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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

Explore More

American Express Green Card — Full Review All American Express Cards

Capital One Venture X 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)

+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
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

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

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

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)

+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
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

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

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

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)

+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
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

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

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

American Express Green Card vs Capital One Venture X Rewards Credit Card

American Express Green Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

American Express Green Card vs Capital One Venture X Rewards Credit Card

American Express Green Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

American Express Green Card vs Capital One Venture X Rewards Credit Card

American Express Green Card

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?