Amex Gold vs Capital One Venture X
Capital One Venture X edges Amex Gold on year-1 math ($155 more value at 1.8¢/pt).
Quick verdict
Capital One Venture X edges Amex Gold on year-1 math ($155 more value at 1.8¢/pt)
Amex Gold: $424 recurring credits + $1,800 welcome bonus − $325 AF = $1,899 net. Capital One Venture X: $1,099 recurring credits + $1,350 welcome bonus − $395 AF = $2,054 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Amex Gold | Capital One Venture X | |
|---|---|---|
| Annual fee | $325 | $395 |
| Welcome bonus | 100,000 pts after $8,000 in 6mo | 75,000 pts after $4,000 in 3mo |
| Welcome bonus value @ 1.8¢ | $1,800 | $1,350 |
| Free-night cert | — | — |
| Recurring credits / year | $424 | $1,099 |
| Year-1 net @ 1.8¢ | $1,899 | $2,054 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Amex Gold
4 recurring credits
- Uber Cash$10 · Monthly
- Dining Credit$10 · Monthly
- Dunkin' Credit$7 · Monthly
- Resy Credit$50 · Semi-annual
Capital One Venture X
4 recurring credits
- Priority Pass Select$469 · Annual
- Travel Credit$300 · Annual
- Capital One Lounge access$300 · Annual
- Global Entry / TSA PreCheck$120 · Every 4 years
Pick Amex Gold if
the AF is meaningfully lower ($325 vs $395); the welcome bonus pays more at 1.8¢/pt ($1,800 vs $1,350).
Pick Capital One Venture X if
the recurring credits stack is richer ($1,099 vs $424).