Card comparison · Capital One vs American Express
Capital One Venture X vs Amex Platinum
The Capital One Venture X ($395 annual fee) ranks #16 and the Amex Platinum ($895) ranks #5 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Capital One Venture X | Amex Platinum | |
|---|---|---|
| Issuer | Capital One | American Express |
| Annual fee | $395 | $895 |
| Welcome offer | Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. | As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership. |
| Rewards |
|
|
| Intro APR | — | — |
| Ongoing APR | — | — |
| Balance transfer fee | — | — |
| Foreign transaction fee | None | None |
| Our overall score | 66 (#16 of 294) | 71 (#5 of 294) |
| Travel ranking | #18 of 47 | #3 of 47 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Amex Platinum (71 vs 66). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Capital One Venture X, by $500 a year ($395 vs $895). The pricier card has to earn at least $500 more in rewards or credits you actually use to come out ahead.
- Travel: Amex Platinum ranks higher in our travel ranking (#3 vs #18 of 47).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Capital One Venture X better than the Amex Platinum?
By our overall score the Amex Platinum ranks higher (71 vs 66), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Capital One Venture X or Amex Platinum?
The Capital One Venture X: $395 vs $895, as stored in our database.
What are the welcome offers on the Capital One Venture X and Amex Platinum?
Capital One Venture X: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. Amex Platinum: As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Travel: Amex Platinum ranks higher in our travel ranking (#3 vs #18 of 47).
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