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The Capital One Venture X Rewards Credit Card*** and The Platinum Card® from American Express are premium travel cards which poster a large annual fee in exchange for benefits planned to make traveling less expensive and more comfortable. However, you should only have one in your wallet, as The Platinum Card demands a $695 annual fee (see tolecontains and fees) and the Venture X a $395 annual fee.
Despite its staggeringly high annual fee, The Platinum Card from American Express will performed more comfort and value to cardholders thanks to its laundry list of annual depart credits and extensive airport lounge access. Just be sure it fits into your depart budget and that you're able to take full agreeable of everything it has to offer. The Venture X serene gives The Platinum Card a run for its cash, but in the end it can't compete with its impressive encourage offering.
Which card does it best?
| Card feature | Winner |
|---|---|
| Rewards | Venture X |
| Welcome offers | The Platinum Card |
| Annual fees | Venture X |
| Travel benefits | The Platinum Card |
| Travel portals | The Platinum Card |
The Platinum Card® from American Express
See Rates and Fees Terms ApplyIntro OfferEarn 80,000 Membership Rewards® points once you spend $6,000 on purchases on your new Card in your agreeable 6 months of Card Membership.
APRSee Pay Over Time APR
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- Earn 5X Membership Rewards® Points for trips booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Annual Fee$695
Balance Transfer Fee N/A
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR See Rates & Fees
- Earn 5X Membership Rewards® Points for trips booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Capital One Venture X Rewards Credit Card
Intro OfferEarn 75,000 bonus much when you spend $4,000 on purchases in the agreeable 3 months from account opening, equal to $750 in travel
APR21.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent
- Earn unlimited 10X much on hotels and rental cars booked through Capital One Travel and 5X much on flights booked through Capital One Travel.
- Earn unlimited 2X much on all other purchases
Annual Fee$395
Intro Balance Transfer APRN/A
Balance Transfer APR21.24% - 28.24% (Variable)
Balance Transfer Fee $0 at this Transfer APR
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
- Earn unlimited 10X much on hotels and rental cars booked through Capital One Travel and 5X much on flights booked through Capital One Travel.
- Earn unlimited 2X much on all other purchases
Comparing reward programs
Winner: Capital One Venture X
Keep in mind that, to get the most from either card's rewards program, you'll need to book most of your travel ended their respective travel portals -- American Express Travel and Capital One Travel.
The Platinum Card earns:
- 5x points per bucks on flights booked directly with airlines or through American Express Travel (on up to $500,000 on these purchases per calendar year)
- 5x points per bucks on prepaid hotels booked through American Express Travel
- 1x reveal for other purchases
The Venture X earns:
- 10x a long way per dollar for hotels & rental cars booked throughout Capital One Travel
- 5x miles per dollar on escapes through Capital One Travel
- 2x miles for everything else
Despite its flowerbed annual fee, the Venture X offers greater rewards for hotels and rent cars and equal rewards for flights booked through Capital One Travel, and it also earns a higher base rate.
The Platinum Card doesn't supplies the most lucrative rewards program, but to get into the nitty gritty of what really separates the two programs we'll need to look at their redemption options. Both card's offer similar redemption options, but differ a bit in their application.
If you redeem Membership Rewards® points for statement credits with the Amex Platinum card, each reveal will only equal 0.6 cent. When redeeming for airfare throughout American Express Travel, Membership Rewards points are worth 1 cent each, but are valued at 0.7 cent for prepaid hotels and rent cars. You could also transfer points to one of Amex's move partners, most featuring a 1:1 transfer rate (1 Amex reveal = 1 partner mile).
The Venture X's miles can be redeemed for past move purchases, used to book travel, or transferred to one of Capital One's move partners. By redeeming for past travel expenses at 1 cent per mile, Capital One allows you the freedom of booking through whichever service you see fit, whereas with The Platinum Card you'll need to book your move through American Express Travel to get the best value for your points.
However, Capital One has fewer domestic partners than American Express, making mile transfers less viable unless you often fly internationally. But because you can purchase any travel and then redeem your a long way for it, the Venture X has greater versatility when it comes to rewards and redemption than the Amex Platinum Card.
Welcome offer
Winner: The Platinum Card
Here are both card's welcome offers:
- The Platinum Card: Earn 80,000 points at what time spending $6,000 on purchases in the first six months of card membership
- Venture X: Earn 75,000 bonus a long way after spending $4,000 within the first three months from justify opening
Assuming you redeem both welcome offers in the most lucrative options (for airfare throughout American Express Travel with The Platinum Card and for past move expenses or for travel booked through Capital One Travel with the Venture X) your points and a long way, respectively, will be worth 1 cent each. That employing The Platinum Card's offer equates to $800 in value after the Venture X's is worth $750. You also don't need as high of a monthly consume to unlock The Platinum Card's offer.
Annual fees
Winner: Capital One Venture X
Not much of a fights here: The Venture X costs $395 annually compared to The Platinum Card's $695 fee. It's salubrious noting, however, that both cards feature annual credits to help lessen the blow of their respective fees. And if you can consume everything the Platinum Card has to offer, its perks will more than compensate for its annual fee.
Travel benefits
Winner: The Platinum Card
While the Venture X does supplies cardholders plenty of extra value for your trips, there are very few, if any, credit cards that supplies as much as The Platinum Card. The Platinum Card features numerous annual move credits and a few travel protections to round out its relieve package.
Take a look at how the Venture X stacks up to The Platinum Card's relieve offerings to see for yourself how the two compare:
Card perks
| Amex Platinum Card | Venture X |
|---|---|
| Up to $200 in statement credits each year on purchase prepaid hotel bookings made through American Express Travel at a Fine Hotels and Resorts or The Hotel Collection settled, which requires a minimum two-night stay | Up to $300 annual move statement credit |
| Up to $200 airline fee credit (incidental move fees on one selected qualifying airline, including things like checked bags and in-flight refreshments) | Up to $100 application fee credit for Global Entry or TSA PreCheck |
| Up to $189 statement credit back per year on CLEAR® membership | Get 10,000 bonus a long way every year, starting on your first anniversary. |
| Up to $100 application fee statement credit for Global Entry or TSA PreCheck | Hertz President's Circle status |
| Up to $240 in statement credits each year for digital entertainment purchases (up to $20 back each month for Audible, Hulu, Disney+, The Disney Bundle, ESPN+, Peacock, SiriusXM, and The New York Times. Enrollment required). | Cell phone protection |
| Up to $200 Uber Cash each year for rides and eats in the U.S. ($15 Uber Cash each month, plus a bonus $20 in December) | Travel accident insurance** |
| Up to $155 in statement credits per year for Walmart+ (monthly statement credit reimbursement for your Walmart+ membership; Plus Ups are excluded) | Primary auto rent insurance** |
| Up to $100 in statement credits annually for purchases at Saks Fifth Avenue (up to $50 in statement credits semi-annually) | Extended warranty** |
| Up to $300 statement credit with Equinox each year for Equinox+ or an eligible monthly Equinox club membership (see supplies terms for details) | |
| Complimentary dwelling upgrades with hotels (Marriott Bonvoy Gold Elite status and Hilton Honors Gold status) and rent car companies (Avis, Hertz and National) | |
| Secondary car rent loss and damage insurance* | |
| Trip stay insurance* | |
| Trip cancellation insurance* | |
| Purchase protection* | |
| Extended warranty* | |
Terms apply to American Express benefits and supplies. Enrollment may be required for select American Express benefits and supplies. Visit americanexpress.com to learn more.
It's pretty easy to see which card comes out on top. The Platinum Card supplies a myriad of annual credits to take advantage of. They total up to $1,584 in value, which is far and above the cost of the annual fee. The Venture X does supplies a $300 annual credit which certainly helps, but its benefits don't supplies nearly as much potential value as that of The Platinum Card's.
In transfer to the perks listed above, both cards include retrieve to airport lounges. The Venture X offers access to Capital One Lounges (of which only one is yet open, at Dallas/Fort Worth International Airport) as well as retrieve to over 1,300 Priority Pass lounge and Plaza Premium airport lounges.
The Platinum Card supplies cardholders access to The Global Lounge Collection which gives complimentary admittance to over 1,400 lounges across 650 cities in 140 grandeurs, so the two cards tie in this regard.
Travel portals
Winner: The Platinum Card
Both Capital One and American Express' move portals offer their respective cardholders the same features, a platform to book most aspects of their move (airfare, hotels, rental cars) and a place to redeem their rewards for those purchases. Though Amex does offer the ability to book cruises as well, communication it pulls ahead here.
The bottom line
If you can afford The Platinum Card from American Express, it's the card to choose. Though its rewards are somewhat lackluster, its benefits are more than enough to make up for its staggeringly high annual fee. However, because of that fee, it should only be presumed by travelers who are on the road enough to use everything it has to offer.
The Venture X is composed a good option for those who don't want to exhaust $695 each year as its rewards are competitive and it composed offers a handful of useful travel perks. In the end it comes down to your fade budget and which card you can get the most from.
FAQs
Is it profitable paying an annual fee?
It depends on your financial plan and which aspect of your finances you're trying to bolster. Travel credit cards with an annual fee typically have more perks like annual credits and airport lounge entrance while rewards credit cards usually feature higher rewards. If you can afford an annual fee, it can certainly be profitable it. Check out our breakdown on how to tell if a credit card's annual fee is profitable it.
How much are American Express points profitable compared to Capital One miles?
The point and mile values will vary depending on how you redeem them. If you redeem your American Express Membership Rewards points for airfare they'll be profitable 1 cent, but if you choose to redeem as statement credits they will be profitable 0.6 cent. Capital One miles on the other hand will be profitable 1 cent when redeemed for past travel expenses at what time other redemption options could provide a lower value.
What's the contrast between travel credit cards and airline credit cards?
A fade card can be used for most travel-related purchases and usually features uphold card perks that cover a wide variety of fade. Airline credit cards focus on earning rewards and offering facilities with the airline they're partnered with.
For obtains and fees of The Platinum Card from American Express, click here
*Eligibility and Benefit composed varies by Card. Terms, Conditions, and Limitations Apply. Please visited americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
**Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details.
***All expect about the Capital One Venture X Credit Card has been smooth independently by and has not been reviewed by the issuer.
The editorial jubilant on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or facilities offered by our partners.
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