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Blue Cash Preferred® Card from American Express vs Capital One Venture Rewards Credit Card
This comparison aims to help you decide between the Blue Cash Preferred® Card from American Express and the Capital One Venture Rewards Credit Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at U.S. supermarkets and enjoy streaming services. With a robust cash back structure, this card rewards users with high returns on everyday purchases.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card caters primarily to travelers, offering generous rewards on travel-related expenses and everyday purchases. This card is ideal for those who want to earn miles that can be redeemed for travel experiences.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $95 |
| Welcome Bonus | $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months | 75,000 bonus miles after you spend $4,000 on purchases in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% on transit, 3% at gas stations, 1% on other purchases | 5 Miles per dollar on hotels and rental cars booked through Capital One Travel, 2 Miles per dollar on every other purchase |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan fees may apply for Plan It® | None |
| Additional Benefits | $84 Disney Bundle Credit, cash back redemption options | Global Entry/TSA PreCheck® credit, no expiration on miles |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
Capital One Venture Rewards Credit Card
- 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2 Miles per dollar on every purchase, every day
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on supermarkets and streaming
- Generous welcome bonus
- No foreign transaction fees
- Cons:
- Annual fee after the first year
- Cash back redemption options are limited to statement credits
Capital One Venture Rewards Credit Card
- Pros:
- Flexible miles redemption options
- High rewards rate on travel bookings
- No expiration on miles
- Cons:
- Annual fee from the start
- Lower cash back on non-travel purchases compared to some competitors
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is an excellent choice for families and individuals who frequently shop at supermarkets and enjoy streaming services. Its high cash back rewards in these categories can lead to significant savings.
On the other hand, the Capital One Venture Rewards Credit Card is ideal for travelers looking to maximize their rewards on travel-related purchases. With flexible redemption options and no expiration on miles, this card benefits those who prioritize travel rewards.
Conclusion
When choosing between the Blue Cash Preferred® Card from American Express and the Capital One Venture Rewards Credit Card, it's essential to consider your individual needs and spending patterns. Evaluate where you spend the most and what benefits align with your financial goals to make the best decision.