American Express® Blue Business Plus vs Capital One Venture X
Side-by-side comparison
| American Express® Blue Business Plus | Capital One Venture X | |
|---|---|---|
| Annual fee | No annual fee | $395 |
| Welcome offer | 15,000 Membership Rewards® Points | 75,000 Miles |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 5% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $1,044 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Blue Business Plus earns about $900 a year in rewards and the Capital One Venture X about $1,044, valuing every point at a flat 1 cent. The American Express® Blue Business Plus has no annual fee, so its rewards are all profit. The Capital One Venture X charges $395, but carries about $500 in annual statement credits that offset it for anyone who uses them. The two are effectively tied on value, with the American Express® Blue Business Plus marginally ahead, mostly because it skips the annual fee the other charges. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Capital One Venture X currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Venture X if your spending leans toward travel.