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Capital One Venture Rewards Credit Card vs The American Express Blue Business Cash™ Card
This comparison aims to help you decide between the Capital One Venture Rewards Credit Card and The American Express Blue Business Cash™ Card. Both cards offer unique benefits tailored to different spending habits and lifestyles.
Card Overviews
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is designed for travelers who want to earn miles on every purchase. With a reasonable annual fee and attractive rewards for travel-related expenses, this card is ideal for those who frequently travel and want to maximize their rewards on travel bookings.
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is a great choice for small business owners looking for a straightforward cash-back rewards structure with no annual fee. This card offers flexibility and rewards on everyday business expenses, making it suitable for those who prioritize cash back over travel rewards.
Detailed Feature Comparison
| Feature | Capital One Venture Rewards Credit Card | The American Express Blue Business Cash™ Card |
|---|---|---|
| Annual Fee | $95 | No annual fee |
| Welcome Bonus | 75,000 bonus miles after spending $4,000 in the first 3 months | $250 statement credit after spending $3,000 in the first 3 months |
| Rewards Structure | 2X miles on every purchase, 5X on hotels and rentals booked through Capital One Travel | 2% cash back on eligible purchases up to $50,000 per year, then 1% |
| Foreign Transaction Fee | None | None |
| Other Fees | Late payment fees apply | Late payment fees apply |
| Additional Benefits | $120 credit for Global Entry or TSA PreCheck, unlimited miles | Expanded Buying Power, no annual fee |
Rewards Highlights
Capital One Venture Rewards Credit Card
- 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2 Miles per dollar on every purchase, every day
The American Express Blue Business Cash™ Card
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
- 1% cash back on all eligible purchases after spending $50,000 per calendar year
Pros and Cons
Capital One Venture Rewards Credit Card
- Pros:
- Generous welcome bonus
- High rewards on travel bookings
- Flexible redemption options
- Cons:
- $95 annual fee
- Higher spending requirement for welcome bonus compared to cash back cards
The American Express Blue Business Cash™ Card
- Pros:
- No annual fee
- 2% cash back on eligible purchases
- Flexible spending with Expanded Buying Power
- Cons:
- Lower cash back rate after $50,000 spending
- Less attractive for frequent travelers
Who Should Consider Which Card?
- Consider the Capital One Venture Rewards Credit Card if you:
- Travel frequently and prefer earning miles
- Want to redeem rewards for travel expenses
- Are looking for a card that offers travel perks like TSA PreCheck reimbursement
- Consider The American Express Blue Business Cash™ Card if you:
- Own a small business and want cash back on everyday purchases
- Prefer a card with no annual fee
- Appreciate the ability to spend beyond your credit limit
Conclusion
Ultimately, the choice between the Capital One Venture Rewards Credit Card and The American Express Blue Business Cash™ Card depends on your individual needs and spending patterns. Consider your priorities, whether they lean more towards travel rewards or cash back, to make the best decision for your financial goals.