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Blue Cash Preferred® Card from American Express vs Capital One Venture X Rewards Credit Card
This comparison aims to help you decide between the Blue Cash Preferred® Card from American Express and the Capital One Venture X Rewards Credit Card. Both cards offer unique features 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. It offers robust cash back rewards on everyday purchases and an introductory annual fee for new cardholders.
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is ideal for travelers who want to earn miles on their purchases. It provides significant rewards on travel-related expenses and other purchases, along with premium benefits like airport lounge access and travel credits.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $395 |
| Welcome Bonus | $250 statement credit after spending $3,000 in eligible purchases in the first 6 months | 75,000 bonus miles after spending $4,000 in the first 3 months, equal to $750 in travel |
| Rewards Structure | 6% at U.S. supermarkets (up to $6,000/year), 6% on select U.S. streaming, 3% at U.S. gas stations, 3% on transit, 1% on other purchases | 10 miles on hotels/rental cars booked through Capital One Travel, 5 miles on flights/vacation rentals booked through Capital One Travel, 2 miles on every purchase |
| Foreign Transaction Fee | None | None |
| Other Fees | Up to 1.33% plan fee for Plan It® after the introductory period | None specified |
| Additional Benefits | $84 Disney Bundle Credit, cash back redeemable as statement credit or at Amazon | $300 annual travel credit, 10,000 bonus miles annually, 1,300+ airport lounge access |
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 X Rewards Credit Card
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
- 10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
- 5 Miles per dollar on flights and vacation rentals 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 everyday purchases.
- Generous welcome bonus.
- Introductory annual fee.
- No foreign transaction fees.
- Cons:
- Annual fee after the first year.
- Limited cash back categories.
Capital One Venture X Rewards Credit Card
- Pros:
- Significant travel rewards and bonuses.
- Comprehensive travel benefits including lounge access.
- Annual travel credit to offset the fee.
- Cons:
- High annual fee.
- Best suited for frequent travelers.
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for individuals who frequently spend on groceries and streaming services. On the other hand, the Capital One Venture X Rewards Credit Card is better suited for travelers who want to maximize rewards on travel purchases and enjoy premium benefits like airport lounge access.
Conclusion
Ultimately, the choice between the Blue Cash Preferred® Card from American Express and the Capital One Venture X Rewards Credit Card depends on your individual spending habits and financial goals. Consider your lifestyle and preferences to select the card that best meets your needs.