Card comparison

Amex Platinum vs Capital One Venture X

Membership Rewards vs Capital One Miles

Verified July 2026

TL;DR — quick verdict

The Capital One Venture X ($395) undercuts the Amex Platinum ($895) on annual fee. Pick the Amex Platinum for everyday Prepaid hotels via Amex Travel spending (5x); pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x).

At a Glance

The Platinum Card from American Express

Annual Fee
$895
Signup Bonus
175,000 points
Network
Amex
Points Currency
Membership Rewards
Earning Rates
Other Purchases 1x
Prepaid Hotels Via Amex Travel 5x
Flights Booked Direct Or Via Amex Travel 5x

Capital One Venture X Rewards

Annual Fee
$395
Signup Bonus
75,000 points
Network
Visa
Points Currency
Capital One Miles
Earning Rates
All Purchases 2x
Flights Via Capital One Travel 5x
Hotels And Rental Cars Via Capital One Travel 10x

Category Breakdown

How they compare across key categories

Annual Fee

Capital One Venture X wins

Amex Platinum $895 vs Capital One Venture X $395

Welcome Bonus

Amex Platinum wins

Amex Platinum: 175,000 points after $12,000 in 6 months vs Capital One Venture X: 75,000 points after $4,000 in 3 months

Top Earning Rate

Capital One Venture X wins

Amex Platinum: 5x on Prepaid hotels via Amex Travel vs Capital One Venture X: 10x on Hotels and rental cars via Capital One Travel

Perks & Credits

Amex Platinum wins

Amex Platinum: 9 listed benefits vs Capital One Venture X: 2 listed benefits

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Transfer Partners

Tie

Amex Platinum: 20+ airline and hotel partners vs Capital One Venture X: 15+ airline and hotel partners

Perks & Benefits

The Platinum

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
  • Airline fee credit ($200)
  • Saks Fifth Avenue credit ($100)
  • Lululemon credit ($300)
  • Resy credit ($400)
  • Oura Ring credit ($200)
  • Global Entry/TSA PreCheck credit ($120)

Capital One Venture X Rewards

  • Capital One Travel credit ($300)
  • Anniversary bonus miles ($100)

Which Is Right for You?

Get the Amex Platinum if...

  • Premium benefits to offset the $895 fee
  • Earns 5x on Prepaid hotels via Amex Travel
  • Earns 5x on Flights booked direct or via Amex Travel
  • Hotel credit ($600)

Get the Capital One Venture X if...

  • Lower $395 annual fee
  • Earns 10x on Hotels and rental cars via Capital One Travel
  • Earns 5x on Flights via Capital One Travel
  • Capital One Travel credit ($300)

Related Resources

Amex Points Value

What are Amex points worth?

Chase Points Value

What are Chase points worth?

Search Award Flights

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Frequently Asked Questions

Is the Amex Platinum or Capital One Venture X better?

The Capital One Venture X ($395) undercuts the Amex Platinum ($895) on annual fee. Pick the Amex Platinum for everyday Prepaid hotels via Amex Travel spending (5x); pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

Which has the lower annual fee, the Amex Platinum or Capital One Venture X?

The Capital One Venture X has the lower annual fee at $395, versus $895 for the Amex Platinum.

Which card earns points faster?

The Amex Platinum earns up to 5x on Prepaid hotels via Amex Travel, while the Capital One Venture X earns up to 10x on Hotels and rental cars via Capital One Travel.

Can I have both the Amex Platinum and the Capital One Venture X?

Yes. They're issued independently, so you can hold both and earn Membership Rewards and Capital One Miles side by side.

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Need More Points?

Earn bonus points with these credit card offers

Can't find availability at your current points balance? These credit cards offer generous welcome bonuses to help you book your dream flight.

The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
Learn more & apply

American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
  • FedEx, Grubhub and Office Supply Statement Credit ($240)
  • Walmart+ Statement Credit ($155)
Learn more & apply

The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
Learn more & apply

American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.