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The savvy business owner typically understands the value of having the right business credit card. That said, finding the right business card can take considerable effort.
With the prospect of so many business cards from which to select, we’ve taken the opportunity today to narrow our comparison to 2 very worthy cards to consider.
The Capital One Venture X Business Card and the American Express^® Business Gold Card each offer strong earning potential, flexible redemption options, and unique protections and benefits.
Beyond these foundations are factors that can make one card more suitable for your business than the other.
This article aims to cover both cards’ key attributes, making it easier to select the card that makes sense for your operation.
Here’s how the cards compare.
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Before we expand on the details of the Capital One Venture X Business card and the Amex Business Gold card, let’s compare key features and benefits side-by-side.
Here’s how our featured cards compare overall:
Feature or Benefit
Welcome Offer
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months.
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earning
Top Redemption Options
Top Travel Protections and Benefits
Top Shopping Protections and Benefits
Purchase security, extended warranty
Purchase protection, extended warranty, cell phone protection
Annual Fees and Authorized Users
Once you’re approved for either the Capital One Venture X card or the Amex Business Gold card, you’ll have the opportunity to earn a large number of rewards quickly by earning the welcome offer.
These generous welcome offers can be worth hundreds of dollars and are earned by meeting minimum spending requirements within the period immediately following card approval.
Offers do change, so we’re providing the following card snapshots containing current information on each of our featured card’s welcome offers:
The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.
From 2x miles per dollar on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.
Capital One Miles
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
American Express Membership Rewards
A card’s welcome offer provides a unique opportunity to earn many rewards in a relatively short period. The Capital One Venture X Business card and Amex Business Gold card both come with generous welcome offers.
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One of the key attributes to consider when looking for a business card is its earning potential. Rewards earned on business cards can offset your company’s expenses or even fund personal travel.
The Capital One Venture X Business card and the Amex Business Gold card are designed to reward common business expenses, but there are additional ways to earn rewards.
Here’s a breakdown of the earning potential for our featured cards.
The Capital One Venture X Business card and the Amex Business Gold card can deliver excellent overall earning potential for your business.
Because each business has different types of expenses, the better card for your specific business will be the one that aligns with the category of purchases your company makes.
Here’s how our featured cards compare in earning potential:
Spending Category
Capital One Venture X Business Card
Amex Business Gold Card
Travel
Qualifying Business Category Purchases
2x miles
4x points
All Other Purchases
2x miles
1x points 
Undoubtedly, the Capital One Venture X Business card offers the simplest earning structure. Regardless of your business’s expenses, you’ll always be assured of earning at least 2x miles on every purchase.
While the Amex Business Gold card’s earning structure is more complicated, the 4x earnings are automatic on your 2 highest qualifying categories monthly.
The Amex Business Gold card earns well on some general travel purchases when those purchases are 1 of your highest total purchases for the month.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
•  U.S. purchases made from electronic goods retailers and software & cloud system providers
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
Another great way to earn rewards is by referring other business owners once you’re approved for a card.
Here are the options for earning when referring family, friends, or business owners:
Referral opportunities are not yet available on the Capital One Venture X Business card but could be in the future. Once you’re approved for the card, watch for opportunities to refer other businesses and earn Capital One miles once they’re approved.
Capital One personal cards offer the opportunity to earn up to 100,000 miles each year when referring friends and family. If you have a Capital One personal card, you can refer others for that same card to earn rewards.
Like many other American Express cards, the Amex Gold card offers a stellar referral program. You can earn up to 50,000 Membership Rewards points each year for referring friends, family, and other business owners to any available American Express card.
A unique aspect of referring others to American Express cards is that your referral can select other available American Express cards that differ from the referred card, and you may still qualify for the referral bonus.
Beginning with your first card renewal on the Capital One Venture X Business card, you’ll earn 10,000 bonus miles at each card anniversary.
The Amex Business Gold card does not come with a renewal bonus.
The Capital One Venture X Business card earns well on travel purchased via Capital One Business Travel and has elevated 2x miles earnings on all other purchases. The Amex Business Gold card has elevated earnings on common business categories and select travel via AmexTravel.com. Additionally, you can earn rewards on the Capital One Venture X Business card with card renewal bonus miles and the Amex Business Gold card by referring others.
Rewards are earned on the Capital One Venture X Business card in Capital One miles. These miles are not frequent flyer miles and function more like points that have flexible redemption options.
The Amex Business Gold card earns Membership Rewards points, offering several redemption options.
Here are your choices at redemption time with our featured cards:
Redemption Options
Capital One Venture X Business Card
Amex Business Gold Card
Travel
Statement Credits
Redeem miles for 0.5 cents each for a general statement credit
Redeem miles for 0.6 cents each for a general statement credit
Additional Redemption Options
Gift cards, Amazon, PayPal checkout, experiences
Gift cards, Amazon, Ticketmaster, Uber
While you’ll have several options with either card at redemption time, both allow you to maximize your rewards by transferring to airline or hotel partners. We estimate the potential value of Capital One miles to be about 1.8 cents each and Membership Rewards points at 2.2 cents each when redeemed this way.
To learn more about transferring rewards to travel partners, we’ve assembled a collection of inspiring ideas. Check out some of the best redemption options in our articles on Capital One miles transfer partners and American Express Membership Rewards transfer partners.
One unique redemption option with the Amex Business Gold card is redeeming points via AmexTravel.com for flights with your preselected airline or premium flights with any airline.
If your business involves travel, you can use rewards earned on either card to offset business travel expenses or even fund a family vacation.
The best redemption option for rewards earned on either the Capital One Venture X Business card or Amex Business Gold card is to transfer rewards to airline or hotel partners. Another good-value redemption with the Amex Business Gold card can be to purchase qualifying flights via AmexTravel.com using Membership Rewards points. Using Capital One miles as a statement credit for previous travel purchases can be a convenient option to utilize miles for travel flexibly.
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The $300 travel credit is an excellent perk that can add tangible economic benefit. Plus, if you value worldwide lounge (and lounge-alternative) access, the card could provide value beyond the expense of an annual fee.
Travel protections are complimentary benefits that come with the Capital One Venture X Business card and the Amex Business Gold card.
Protections can provide reimbursement if something goes wrong during your journey. Benefits can elevate your travel comfort or save you money on travel purchases.
Here’s a summary of some of the key travel protections and benefits you’ll find on both of our featured cards and an additional list of unique offerings by card:
Travel Protection or Benefit
Capital One Venture X Business Card
Amex Business Gold Card
Auto Rental Insurance
Use your card to rent an eligible vehicle and receive coverage for collision or theft of most rental cars
Secondary coverage, with the option to purchase Premium Protection for 1 low fee that covers the entire rental period
Baggage Insurance 
You may be eligible for reimbursement due to theft
Up to $1,250 per covered person for lost, damaged, or stolen carry-on, up to $500 per person for checked baggage
Hotel Collection Benefits
Premier Collection and Lifestyle Collection 
The Hotel Collection
Additional Travel Protections or Benefits
No foreign transaction fees (Amex Business Gold card – rates & fees)
It’s worth noting that our list of travel protections for both cards is not all-inclusive, and we have abbreviated the associated descriptions.
Both the Capital One Venture X Business card and Amex Business Gold card come with car rental insurance, baggage insurance, hotel benefits, and no foreign transaction fees. The Capital One Venture X Business card offers worldwide lounge access, a $300 Capital One Business Travel credit, and roadside dispatch. The Amex Business Gold card also provides trip delay coverage.
Shopping protections can provide valuable coverage if something goes wrong with an eligible purchase you made with the Capital One Venture X Business card or the Amex Business Gold card.
Benefits offer savings or additional ways to earn more rewards when making specific purchases.
Let’s look at our cards’ common protections and benefits and those that are unique to each card:
Shopping Protection or Benefit
Capital One Venture X Business Card
Amex Business Gold Card
Purchase Security/Purchase Protection
Eligible purchases are covered for the first 90 days of purchase in the event of theft or damage
90 days from the purchase date with a limit of $1,000 per item, up to $50,000 per account.
Extended Warranty
Extends the factory warranties of eligible items purchased with your card
Extends the manufacturer’s warranties on items with less than 5 years for 1 additional year.
This is not an all-inclusive list of shopping protections and benefits for the Capital One Venture X Business card and the Amex Business Gold card. Additionally, we have abbreviated the associated descriptions.
The Capital One Venture X Business card and Amex Gold card come with valuable purchase protection and extended warranty coverage. The Amex Gold card also comes with statement credits for select shopping purchases.
When selecting a business credit card, it’s important to look at the expense of card membership before applying for any card. These expenses can include annual card fees and any fees to add additional users or employee cards.
However, the Capital One Venture X Business card only extends lounge access to primary cardholders.
The Capital One Venture X Business card has an annual fee of $395, and the Amex Business Gold card’s annual fee is $375.
There is no additional fee to add authorized user employee cards to the Capital One Venture X Business card. However, the annual fee for employee cards of the Amex Business Gold card is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (rates & fees).
The Capital One Venture X Business card and Amex Business Gold card are not traditional credit cards — they must be paid off each statement period. This also means neither card has a preset spending limit, which means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
For the busy business owner, earning a flat rate of 2x miles on every purchase can simplify the rewards-earning process on the Capital One Venture X Business card. This business card also has valuable worldwide lounge access, adding value for the frequent traveler.
One downside to the card is the high initial spending requirements to earn the welcome offer. The welcome offer can be generous, but if your business cannot meet these requirements, that bonus is forfeited. Spending requirements change, so consider the current requirements before applying.
Depending on your spending mix, the Amex Business Gold card can fare better in the earning category. If the first $150,000 each year of your business spending matches the 4x earning categories, the card may be the better choice. There’s also value to be had if you can utilize the statement credits on select purchases.
Both cards offer potentially great value with airline and hotel transfer options and with travel/shopping benefits and protections.
For more information on our recommendations for the best business cards, check out our comprehensive article on the topic.
Both the Capital One Venture X Business card and the Amex Business Gold card are good choices for a business card. You’ll want to look closely at your business expenses to determine which card matches that spending. The better card will depend on that spending mix, how you prefer to redeem your rewards, and whether you can utilize the benefits that provide economic value to your business.
Unfortunately, the Amex Business Gold card does not offer a lounge access benefit. The Business Platinum Card® from American Express does offer an excellent worldwide lounge access benefit.
While redeeming Membership Rewards points for a statement credit is possible, it is poor value at a value of just 0.6 cents per point.
The Capital One Venture X Business card is a World Elite Mastercard and comes with several associated Mastercard benefits.
For rates and fees of the American Express^® Business Gold Card, click here.
For rates and fees of The Business Platinum Card^® from American Express, click here. 
For the baggage insurance plan benefit of the American Express^® Business Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the car rental loss and damage insurance benefit of the American Express^® Business Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the cell phone protection benefit of the American Express^® Business Gold Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the extended warranty benefit of the American Express^® Business Gold Card, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection benefit of the American Express^® Business Gold Card, when an American Express® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the trip delay insurance benefit of the American Express^® Business Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For Capital One products listed on this page, some of the above benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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Christine ran her own business developing and managing insurance and financial services offices. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
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