Venture X Vs Sapphire Reserve Vs Amex Platinum

By | August 6, 2022


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Amex Platinum vs Capital One Venture X: Which premium travel rewards card is best for yous?

  • Comparison: Capital I Venture X vs Amex Platinum
  • Welcome bonus offer
  • Ongoing rewards earning
  • Statement credits
  • Transfer partners
  • Anniversary bonuses
  • Drome lounge access
  • Authorized users
  • Travel and purchase protections
  • Hotel and rental car aristocracy status
  • Annual fees
  • Lesser line

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The Platinum Card® from American Express


has long been regarded as i of the well-nigh rewarding travel cards on the market, in part considering of its generous benefits and valuable transfer partners. Forth with a substantial welcome bonus offering, the carte offers a vast range of statement credits and perks — including up to $200 in annual airline fee credit**, more aerodrome lounge admission options than any other card, gratis aristocracy condition with Hilton and Marriott**, and upwards to $200 in Uber credits** every yr.

These premium benefits don’t come cheap — the Platinum Card charges a whopping $695 annual fee. Many cardholders are able to get much more that in value each twelvemonth, simply if you’re not able to maximize the benefits, paying $695 for a carte won’t be worth it.


Read more: I had sticker daze over the Amex Platinum card’s annual fee, only vi lucrative benefits convinced me to open up it anyway

Merely there’s at present a premium credit carte that offers many of the same perks for a much lower annual fee. The Capital One Venture X Rewards Credit Carte du jour besides offers a large welcome bonus, travel statement credits, and airport lounge access — with a $395 almanac fee that’due south much more manageable and easier to justify.

If you’re looking for a bill of fare that offers premium benefits and top-notch travel and purchase coverage, either of these cards would be a skillful fit. As well the difference in almanac fees, there are other factors to consider before you lot determine which card is all-time for you. Here’s what to know to help yous make that decision.

Comparison: Uppercase One Venture X vs Amex Platinum

*Note: Starting Jan 1, 2021, the 5x points will apply upward to $500,000 on flights booked directly with airlines or with American Limited Travel per calendar twelvemonth

***Eligible digital subscriptions include Audible, SiriusXM, The New York Times, and Peacock

Welcome bonus offering

Pros

  • Excellent welcome bonus and miles earning
  • Premium perks including drome lounge admission and statement credits
  • Visa Infinite benefits including travel and shopping protections

Cons

  • High annual fee
  • Annual travel statement credits simply apply to Capital One Travel purchases

Read Our Review
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More Information

  • Earn 75,000 bonus miles when you spend $iv,000 on purchases in the showtime 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually equally argument credits for bookings through Majuscule 1 Travel, where you’ll go Capital One’s best prices on thousands of options
  • Become 10,000 bonus miles (equal to $100 towards travel) every year, starting on your starting time ceremony
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Majuscule One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary admission for you and ii guests to 1,400+ lounges, including Capital I Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture Ten miles to easily cover travel expenses, including flights, hotels, rental cars and more than-you can even transfer your miles to your pick of 15+ travel loyalty programs

The Platinum Bill of fare welcome bonus offer is 100,000 Membership Rewards points after you spend $half-dozen,000 in your first 6 months of card membership.

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Read more: Uppercase One Venture X card review

Meanwhile, the Majuscule One Venture Ten Rewards Credit Carte comes with a welcome bonus offer of 75,000 bonus miles when you spend $4,000 on purchases in the start three months from business relationship opening.

The value of Capital 1 miles and Amex Membership Rewards points vary depending on how you redeem your rewards. Proceed in mind, too, that the minimum spending requirement to unlock the Majuscule 1 Venture 10 Rewards Credit Card’s bonus is a full $2,000 less than that of the Platinum Card — but you’ve got twice as long to achieve the requirement with the Platinum Card.

Ongoing rewards earning

The Platinum Card earns bonus points on certain travel purchases. Cardholders earn 5x points on airfare purchased straight through the airline, and on flights and hotels booked through Amex Travel (5x points on flights booked directly with airlines or with Amex Travel applies to upward to $500,000 per calendar twelvemonth). Otherwise, the carte du jour earns 1 point per dollar on all other eligible purchases.


Read more: Amex Platinum bill of fare review

Similarly, y’all’ll earn bonus miles for some purchases made with the Capital Ane Venture X Rewards Credit Card — 10x miles on car rentals and hotels booked through Capital letter Ane Travel, 1-x miles when booking on Turo (offer ends May sixteen, 2023), and 5x on flights booked the aforementioned style. All other eligible purchases earn 2 miles per dollar.

Overall, you have the potential to earn more than rewards on not-bonus category spending with the Uppercase One Venture X Rewards Credit Bill of fare, at ii miles per dollar versus 1 point per dollar with the Platinum Menu. And for hotels and machine rentals booked through Capital One, it’due south hard to beat earning 10x miles.

Statement credits

Pros

  • Long listing of travel benefits, including airport lounge admission and complimentary elite status with Hilton and Marriott (enrollment required)
  • Annual argument credits with Saks and Uber

Cons

  • Bonus categories leave something to be desired
  • I of the highest annual fees among premium travel cards

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More Data

  • Earn 100,000 Membership Rewards® points after you spend $half dozen,000 on purchases on your new Card in your first half dozen months of Card Membership. Utilise and select your preferred metal Carte design: archetype Platinum Menu®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Limited Travel up to $500,000 on these purchases per agenda yr and earn 5X Membership Rewards® Points on prepaid hotels booked with American Limited Travel.
  • Get $200 back in argument credits each yr on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when y’all pay with your Platinum Card®. And if y’all fly, you can receive upwards to $200 in statement credits per calendar year after yous select a qualifying airline and incidental fees are charged by the airline to your Platinum Bill of fare®.
  • $240 Digital Entertainment Credit: Get up to $twenty back each month on eligible purchases fabricated with your Platinum Card® on ane or more than of the following: Audible, Disney+, The Disney Packet, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Encompass the cost of a $12.95 monthly Walmart+ membership with a argument credit subsequently you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicative local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include xl+ Centurion Lounge and Studio locations worldwide. There are fifty-fifty more than places your Platinum Card® tin can get you complimentary entry and sectional perks.
  • $200 Airline Fee Credit: Get upwards to $200 in statement credits per agenda year in luggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and upward to $200 in Uber savings on rides or eats orders in the US annually. Uber Greenbacks and Uber VIP status is available to Basic Bill of fare Member only.
  • $300 Equinox Credit: Get up to $25 back each calendar month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 Articulate® Credit: Use your Card and become up to $189 back per yr on your Articulate® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Utilize.

Travel credits

The Capital One Venture 10 Rewards Credit Card offers a straightforward annual travel credit: Each yr, cardholders receive up to $300 in argument credits toward flight, hotel, or car rental purchases made through Capital One Travel. While booking through Upper-case letter One Travel means you may not earn hotel or machine rental points (or have your loyalty condition recognized), information technology should be fairly easy for most folks to maximize this credit.


Read more: The Capital 1 Venture X carte du jour comes with upward to $300 in annual travel credit — here’s how to use information technology

The Platinum Card offers more than opportunities to earn statement credits for travel-related purchases, just it’southward a little more complicated. Yous can go:

  • Upwardly to $200 in airline incidental fee credits each calendar year
  • Upwardly to $200 per year in credits toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Drove with a minimum of ii-night stay
  • $189 per year in statement credits toward CLEAR® membership (expedited airport security)**
  • Upwardly to $200 in Uber Cash (can be used for Uber rides or Uber Eats) per yr


Read more: My program to maximize the Amex Platinum carte’south new $200 hotel credit for a nearly free luxury stay

By dollar value alone, the Platinum Bill of fare comes out ahead — as long as you’re able to maximize the credits. For instance, the airline fee credit doesn’t comprehend airfare — only extras like pocketbook fees or seat selection fees — so if you don’t incur any of these additional charges when you travel, your do good may go unused.

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Global Entry/TSA PreCheck credit

Both the Platinum Menu and Capital One Venture X Rewards Credit Card offer a argument credit toward the Global Entry ($100) or TSA PreCheck ($85) application fee. These trusted traveler programs are worth having if y’all’re a frequent flyer, because they can relieve you a lot of time waiting in line at the airdrome.


Read more: The all-time credit cards for Global Entry or TSA PreCheck

In that location’s one minor divergence between the two cards. On the Capital One Venture X Rewards Credit Card, you’ll receive a credit for either program’south awarding fee once every iv years. With the Platinum Card, the credit is available every 4 years for Global Entry, merely 4.5 years for TSA PreCheck.

Other credits

The Platinum Card has added retail credits in the past couple of years, most recently adding new “lifestyle” benefits like digital entertainment and Equinox credits. Here’southward the full list:

  • Up to $300 in Equinox credit** per twelvemonth (up to $25 per month) toward Equinox — either for in-person gym membership or for a subscription to the Equinox+ fettle app
  • $300 in argument credit for SoulCycle at-home bike purchases (upward to a maximum of 15 credits per yr)
  • Upwards to $240 per year in digital subscription credits** (up to $xx per month) valid toward Peacock, Audible, SiriusXM, and The New York Times subscriptions
  • Upwardly to $155 per year in statement credits toward Walmart+ membership ($12.95 per month)**
  • Up to $100 per year in Saks Fifth Artery credits ($50 from January to June, and $50 from July to Dec)**.


Read more than: I almost canceled my Amex Platinum card when the annual fee came due — here’s what convinced me to keep it another year

Transfer partners

Both the Platinum Card and Upper-case letter I Venture 10 Rewards Credit Card earn flexible rewards you can transfer an assortment of airline and hotel partners, merely your options with each program are different.

With Amex Membership Rewards, you tin transfer points to 21 airline and hotel partners, all at a i:1 ratio unless otherwise noted:

Meanwhile, Capital One miles transfer to 18 airline and hotel partners, too mostly at a ane:1 ratio (except noted):

Before you lot commit to either program, consider the transfer partners you lot’re likely to use. Amex Membership Rewards is somewhat more useful for domestic travelers because it partners with Delta and JetBlue, merely Uppercase I has unique partners like Wyndham and Accor that you won’t find with Amex.

Fifty-fifty if your favorite airline isn’t listed, information technology may be possible to redeem rewards for honour flights through alliances and partnerships. For example, if you prefer United, which isn’t a transfer partner of either program, you tin can transfer rewards to Air Canada Aeroplan or Singapore Airlines. Because these airlines are all function of Star Brotherhood, you tin can utilize miles from whatever of them to book award flights on any other partner.

Ceremony bonuses

Capital One Venture X Rewards Credit Carte cardholders receive a 10,000-mile bonus each yr on their account ceremony. Capital Ane miles are worth one cent each when y’all redeem them toward travel purchases (and potentially more when you transfer to partners), then this bonus is worth at to the lowest degree $100 in travel.

The Platinum Bill of fare doesn’t offer an anniversary points bonus.

Aerodrome lounge admission

The Platinum Card offers the widest airport lounge access of any premium card. You’ll get access to Amex’s proprietary Centurion Lounges (with two free guests allowed until February i, 2023), too every bit a range of other lounge options around the globe. These include:

  • More 1,300 Priority Pass airport lounges worldwide (plus two gratis guests)
  • Delta Sky Club lounges (when you’re flying Delta that twenty-four hour period)
  • Escape Lounges
  • Plaza Premium lounges
  • Airspace lounges
  • Some Lufthansa lounges


Read more: The best airport lounges y’all tin access with the Amex Platinum card

The Capital One Venture X Rewards Credit Card likewise offers Priority Pass airport lounge membership, and the access it offers is really slightly better than membership that comes with the Platinum Card.

With the Capital I Venture 10 Rewards Credit Carte du jour Priority Laissez passer membership, you and upwardly to two guests can access lounges and receive credits at participating aerodrome
restaurants
that are part of the Priority Pass network. Amex cards removed airport restaurant credits from its Priority Pass admission in 2022, and then if this perk is important to you, the Capital 1 Venture 10 Rewards Credit Card has an reward.

That said, the but other lounges y’all can admission with the Uppercase 1 Venture X Rewards Credit Card are Capital One’s new airport lounges, the starting time of which recently opened at Dallas-Fort Worth (DFW), with a second lounge in Denver (DEN) opening in 2022.


Read more: I used a credit perk to dine for nearly costless at an airport eatery and it’due south my new favorite travel hack

Authorized users

The Capital One Venture X Rewards Credit Card is the articulate winner in terms of authorized user access and benefits. You can add together authorized users to the card at no toll, and they get many of the same top perks every bit the primary cardholder, including:

  • Priority Pass and Capital Ane airport lounge access (cardholder and up to ii guests)
  • Hertz President’due south Circle elite status
  • Cell phone protection

The Platinum Carte besides offers benefits to authorized users, including airdrome lounge access, Global Entry/TSA PreCheck credit, and hotel elite status, just it’s non free. Amex charges $175 to add together up to three authorized users, then $175 per card after that.

Travel and purchase protections

The Upper-case letter One Venture X Rewards Credit Carte du jour is a Visa Infinite card, which ways it comes with excellent travel and purchase protections, including master car rental insurance, trip cancellation/pause insurance, and trip delay insurance.

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As Amex’s premium consumer carte, the Platinum Card also offers great coverage. One reward of the Platinum Menu is emergency medical transportation help offered by its Premium Global Help Hotline, which you won’t detect on the Upper-case letter One Venture X Rewards Credit Card.


Read more: The best credit cards with travel insurance

All the same, keep in listen the Platinum Card only offers secondary car rental insurance (with the Capital I Venture Ten Rewards Credit Card, it’due south principal insurance) and doesn’t come with travel accident insurance.

There are restrictions and exclusions for each of the benefits beneath — be sure to read the Capital One Venture X benefits guide and benefits guides for the Amex Platinum for important terms.

Hotel and rental car elite status

The Platinum Card offers complimentary elite status with several hotel chains and car rental agencies. These elite tiers come with perks that can get y’all upgrades and a ameliorate travel experience:

  • Complimentary Gold elite status with both Hilton and Marriott**
  • Elite condition with Avis, Hertz, and National Auto Rental

You won’t become hotel elite condition with the Capital One Venture Ten Rewards Credit Card, but it does offer complimentary Hertz President’s Circle elite status, which comes with perks similar guaranteed upgrades, skip the counter and due east-render, a costless additional commuter, and more than.


Read more: 6 reasons why I’m finally considering a Capital One credit bill of fare

Annual fees

Although you’ll go far more benefits and argument credits with the Platinum Card, they don’t come up cheap — the card charges $695 per twelvemonth. That said, if you can make the most of its cadre benefits, it’southward possible to get a value worth much more than the annual fee.


Read more: The premium Capital One Venture X is actually but equally affordable every bit the Capital One Venture — hither’due south why the Venture X is a improve pick for nearly travelers

The Capital One Venture X Rewards Credit Menu is comparatively inexpensive at $395 per year. That’southward not a minor sum, but if you know you’ll apply the $300 in Capital One Travel credit each yr, the fee is finer simply $95 — and you can knock that out by redeeming your 10,000-mile anniversary bonus for $100 in travel.

Bottom line

The Platinum Card® from American Express has a definite advantage in the sheer number of benefits information technology offers, including various travel and retail argument credits and unmatched aerodrome lounge access. For these perks, though, you’ll pay a steep price — $695 a year, compared to $395 on the Capital I Venture Ten Rewards Credit Carte du jour.

The Capital One Venture Ten Rewards Credit Card doesn’t offer the assortment of credits the Platinum Carte du jour does, simply its key benefits — a $300 annual travel credit, 10,000-mile anniversary bonus, and Priority Laissez passer airport lounge access — are plenty to easily offset the annual fee price.


Read more: Uppercase One Venture X vs Chase Sapphire Reserve: Which premium rewards credit card is best for yous?

Both cards offer excellent travel and purchase protection and a wide range of redemption options. The right card for you really depends on how much y’all’ll use the benefits, and, in the case of the Platinum Bill of fare, whether or non the extra perks are worth an additional $300 per year.

For rates and fees of The Platinum Card® from American Express, please click here.

Editorial Note: Whatsoever opinions, analyses, reviews or recommendations expressed in this article are those of the writer’south lone, and take not been reviewed, canonical or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned in a higher place are accurate at the fourth dimension of publication, they’re subject area to alter at any time and may accept changed, or may no longer be available.

**Enrollment required.

***Terms, conditions, and exclusions utilize. Refer to your Guide to Benefits for more details.

Eligibility and Benefit level varies by Bill of fare. Terms, Conditions and Limitations Apply. Delight visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Prison cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Help Hotline Card Members are responsible for the costs charged past third-party service providers. If approved and coordinated by Premium Global Assistance Hotline, emergency medical transportation assistance may be provided at no price. In any other circumstance, Menu Members may be responsible for the costs charged past third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Motorcar Rental Loss & Harm Insurance Underwritten past AMEX Assurance Company. Auto Rental Loss or Damage Coverage is offered through American Limited Travel Related Services Company, Inc.

Source: https://www.businessinsider.com/personal-finance/capital-one-venture-x-vs-amex-platinum-card-comparison