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Blue Cash Preferred® Card from American Express vs Capital One Venture X Business
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the Capital One Venture X Business. Both cards have unique features that cater 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 spend on groceries and streaming services. It offers robust cash back rewards, making it an excellent choice for families and everyday shoppers.
Capital One Venture X Business
The Capital One Venture X Business is tailored for business owners who travel frequently and want to maximize rewards on their business expenses. With a generous rewards structure and travel perks, it's ideal for those looking to enhance their travel experiences while earning miles.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Capital One Venture X Business |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $395 |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | Up to 350,000 bonus miles: 150,000 miles after spending $30,000, and 200,000 miles after $200,000 in 6 months |
| Rewards Structure | 6% at U.S. supermarkets, 6% on select streaming, 3% at gas stations, 3% on transit, 1% on other purchases | 2X miles on every purchase, 10X on hotels/rental cars, 5X on flights/vacation rentals through Capital One |
| Foreign Transaction Fee | None | None |
| Other Fees | Cash Back redemption fees may apply | None |
| Additional Benefits | Disney Bundle Credit, access to Plan It® feature | Annual $300 travel credit, 10,000 bonus miles annually, lounge access |
Rewards Highlights
Blue Cash Preferred® Card from American Express Rewards
- 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 X Business Rewards
- For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
- 2 miles per dollar on every purchase
- 5 miles per dollar on flights and vacation rentals booked through Capital One's travel booking site
- 10 miles per dollar on hotels and rental cars booked through Capital One's travel booking site
Pros and Cons
Blue Cash Preferred® Card from American Express Pros
- High cash back on groceries and streaming services
- No foreign transaction fees
- Introductory annual fee offer
Blue Cash Preferred® Card from American Express Cons
- Annual fee after the first year
- Lower rewards rate on non-bonus categories
Capital One Venture X Business Pros
- High rewards rate on travel-related purchases
- Generous welcome bonus
- Various travel perks including lounge access and annual credits
Capital One Venture X Business Cons
- Higher annual fee
- More suited for businesses or frequent travelers
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for families or individuals who heavily spend on groceries and streaming services, seeking to maximize cash back. In contrast, the Capital One Venture X Business is perfect for business owners or frequent travelers who want to earn travel rewards and benefit from extensive travel perks.
Conclusion
Ultimately, your choice between the Blue Cash Preferred® Card from American Express and the Capital One Venture X Business should be based on your individual spending patterns and financial goals. Consider where you spend the most and what kind of rewards you value to make the best decision.