| Category | Platinum | Venture X |
|---|---|---|
| Annual Fee | $895 | $395 |
| Signup Bonus | Up to 175,000 points | 75,000 miles |
| Base Earning Rate | 1.0X | 1.0X |
| Card Network | N/A | N/A |
| Reward Type | points | points |
Winner by Category
Annual Fees
Venture X
Lower annual fee ($895 vs $395)
Rewards Earning
Venture X
4 earning categories
Benefits & Protection
Platinum
9 benefits vs 7
Statement Credits
Platinum
$1429 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
The Winner: Venture X
Venture X edges out Platinum in our comparison, offering better overall value for most cardholders.
Important: The "best" card depends on your specific spending habits and financial goals. See the detailed comparison above to make the right choice for you.
Rewards Earning: Detailed Comparison
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Venture X
| Hotels via Capital One Travel | 10.0X |
| Flights via Capital One Travel | 5.0X |
| Capital One Entertainment | 5.0X |
| Everything else | 2.0X |
Card Benefits: Detailed Comparison
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status
Venture X (7 benefits)
- Trip Cancellation/Interruption (up to $2,000)
- Trip Delay Reimbursement (up to $500)
- Auto Rental Collision Coverage
- Purchase Protection (up to $500)
- Extended Warranty
- Capital One Lounge + Plaza Premium
- Global Entry/TSA PreCheck Credit (up to $100)