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Blue Cash Preferred® Card from American Express vs Capital One VentureOne Rewards Credit Card
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the Capital One VentureOne Rewards Credit Card. Both cards offer unique benefits and features tailored to different spending habits and preferences.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for users who frequently shop at supermarkets and utilize streaming services. With its robust cash back offerings, this card is ideal for families and individuals looking to maximize rewards on everyday purchases.
Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards Credit Card targets travelers and offers flexible rewards with no annual fee. It's a great choice for those who want to earn miles on every purchase and enjoy travel-related perks without worrying about foreign transaction fees.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card | Capital One VentureOne Rewards Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $0 |
| Welcome Bonus | $250 statement credit after spending $3,000 in first 6 months | 20,000 miles after spending $500 in first 3 months |
| Rewards Structure | 6% at U.S. supermarkets, 6% on streaming, 3% at gas stations, 3% on transit, 1% on other purchases | 5 miles on hotels and rental cars booked through Capital One Travel, 1.25 miles on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan fees apply after the first year | Balance transfer fee applies |
| Additional Benefits | Cash Back via Reward Dollars, Disney Bundle Credit | Unlimited miles that don’t expire, travel purchase reimbursement |
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 VentureOne Rewards Credit Card
- 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.
- 1.25 Miles per dollar on every purchase, every day.
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on supermarkets and streaming.
- Attractive welcome bonus.
- Potential for significant cash back savings for families.
- Cons:
- Annual fee after the first year.
- Reward limits on certain categories.
Capital One VentureOne Rewards Credit Card
- Pros:
- No annual fee and no foreign transaction fees.
- Flexible rewards program with no limit on earnings.
- Good for travelers with a focus on miles.
- Cons:
- Lower cash back rates compared to specialized cards.
- Less potential for high rewards if not traveling frequently.
Who Should Consider Which Card?
- Blue Cash Preferred® Card from American Express: Ideal for families and individuals who spend heavily on groceries and streaming services, seeking high cash back rewards.
- Capital One VentureOne Rewards Credit Card: Suitable for frequent travelers looking for flexible miles and no annual fees, who may want to use rewards for travel-related purchases.
Conclusion
When choosing between the Blue Cash Preferred® Card from American Express and the Capital One VentureOne Rewards Credit Card, consider your personal spending habits and financial goals. Each card offers distinct advantages that cater to different lifestyles, so assess which aligns best with your needs.