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 American Express Green Card ($150/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.
Strongest in travel at 3%. 3X on travel, transit, and dining worldwide.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | American Express Green Card | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $150 | $95 |
| Sign-Up Bonus | 40,000 points after $3,000 spend in 6 months | 75,000 miles after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Travel Rewards | 3% | 2% |
| Dining 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 | 3X on travel, transit, and dining worldwide. | 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. |
American Express Green Card pulls ahead for travel, dining spending.
Capital One Venture Rewards Credit Card wins on groceries, gas.
The $55/year fee difference means American Express Green Card needs to earn about that much more in rewards to justify its cost.
American Express Green Card carries $209/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.