American Express vs Capital One
American Express CARDS pays 17.49% APR; Capital One CARDS pays 19.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
American Express
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass Card in the first 6 months of Card Membership. Offer ends 01/13/202
Open with American Express →Option B
Capital One
19.74%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Open with Capital One →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 10/25/2026.