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Amex Platinum vs Capital One Venture X

Amex vs Capital One · Numbers from our scoring model

At typical spending, the Amex Platinum comes out ahead by about $857 a year ($2,674 vs $1,817). The Capital One Venture X earns more on dining, groceries, flights & hotels, rent, gas & transit, streaming, online shopping and everything else. Which one wins for you depends on where your money actually goes.

Amex Platinum$895 annual fee
Capital One Venture X$395 annual fee
Amex PlatinumCapital One Venture X
Est. value/yr at typical spending$2,674$1,817
Annual fee$895$395
Yearly credits$2,484$300
Fee after credits−$1,589$95
Dining1x2x
Groceries1x2x
Flights & hotels5x5.2x
Rent1x2x
Gas & transit1x2x
Streaming1x2x
Online shopping1x2x
Everything else1x2x
Transfer partners1313
Lounge accessYesYes

Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.

Transfer partners

They share 9 partners. Only the Amex Platinum: Delta SkyMiles, ANA Mileage Club, Hilton Honors, Marriott Bonvoy. Only the Capital One Venture X: Avianca LifeMiles, TAP Air Portugal, EVA Air, Finnair Plus.

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Apply on Capital One's siteIs it right for you? Take the quiz →Swipewise may earn a commission if you're approved through this link. It never affects our rankings. How we make money.

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