Which card has a lower annual fee, Blue Cash Preferred Card from American Express or Capital One Venture Rewards Credit Card?

The Blue Cash Preferred Card from American Express has an annual fee of $95, compared to $95 for the Capital One Venture Rewards Credit Card.

Which card earns more cash back, Blue Cash Preferred Card from American Express or Capital One Venture Rewards Credit Card?

The Blue Cash Preferred Card from American Express earns 1.0% base cash back, while the Capital One Venture Rewards Credit Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Blue Cash Preferred Card from American Express better than the Capital One Venture Rewards Credit Card?

It depends on your spending. If you spend more on categories where the Blue Cash Preferred Card from American Express offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Blue Cash Preferred® Card from American Express vs Capital One Venture Rewards Credit Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Blue Cash Preferred® Card from American Express ($95/yr) and the Capital One Venture Rewards Credit Card ($95/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Blue Cash Preferred Card from American Express

Strongest in groceries at 6% (up to $6,000/yr). 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.

Annual fee: $95 Sign-up bonus: $300 after $3,000 spend in 6 months Foreign fees: 2.7%

Perfect if: Your monthly spending stays within the bonus cap for maximum value.

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Capital One Venture Rewards Credit Card

2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. Earns a solid 2.0% on everything else.

Annual fee: $95 Sign-up bonus: 75,000 miles after $4,000 spend in 3 months Foreign fees: 0%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Head-to-Head Comparison

Feature	Blue Cash Preferred Card from American Express	Capital One Venture Rewards Credit Card
Annual Fee	$95	$95
Sign-Up Bonus	$300 after $3,000 spend in 6 months	75,000 miles after $4,000 spend in 3 months
Foreign Transaction Fee	2.7%	0%
Base Reward Rate	1%	2%
Travel Rewards	3%	2%
Groceries Rewards	6% (up to $6,000/yr)	2%
Gas Rewards	3%	2%
Rates with conditions not counted in the rows above	None	5% through Capital One Travel Earns 5% only on hotels, vacation rentals and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 2%.
Key Benefits	6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.	2x miles on every purchase, 5x on hotels and rentals through Capital One Travel.

The Verdict

Blue Cash Preferred Card from American Express pulls ahead for travel, groceries, gas spending.

Capital One Venture Rewards Credit Card wins on dining.

Blue Cash Preferred Card from American Express carries $120/year in credits (mostly tied to specific merchants or bookings), while Capital One Venture Rewards Credit Card carries $170/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.