American Express Green Card vs Capital One Venture X Rewards

The American Express Green Card ($150/year) and the Capital One Venture X Rewards ($395/year) compete on different axes. The American Express Green Card's strongest category is 3x on Travel, while the Capital One Venture X Rewards leads with 10x on Hotels & Cars (Capital One). The Capital One Venture X Rewards costs $245 more per year, so you need at least $245 in incremental rewards to justify it over the American Express Green Card. At typical spend levels this breaks even somewhere between $7,350 and $14,700 in bonus-category purchases annually. Our model scores these cards effectively even (2-3). Pick the American Express Green Card if you spend heavily on travel; pick the Capital One Venture X Rewards if you spend heavily on hotels & cars (capital one).

Too close to call — pick based on your primary spending category