United States card comparison
The Platinum Card® vs Capital One Venture X
The Amex Platinum costs more than twice what the Capital One Venture X charges in annual fee, but ships a much wider lounge-access footprint (Centurion Lounges, Delta Sky Club via same-day Delta flights, Plaza Premium, Priority Pass) and a deeper credits ecosystem. The Venture X concentrates value into a simpler structure: Priority Pass, Capital One Lounges, and a $300 travel credit that defrays most of the fee.
Last reviewed: . Card information is summarized from issuer benefit pages and is reviewed periodically. Always verify current terms with the issuer before applying.
American Express
The Platinum Card®
Capital One
Capital One Venture X
Side-by-side comparison
| Dimension | The Platinum Card® | Capital One Venture X |
|---|---|---|
| Issuer | American Express | Capital One |
| Issuing country | United States | United States |
| Annual fee | $895 | $395 |
| Lounge networks |
|
|
| Lounges this card opens (tracked) | 440 lounges across 181 airports | 346 lounges across 174 airports |
| Guest policy | 2 guests Centurion / 10 Delta Sky Club visits/year | 2 guests per visit (Capital One & Priority Pass) |
| Credit score | Excellent (Good Credit) | Excellent (Good history required) |
| Purchase APR | See Pay Over Time APR in account | 19.49% - 28.49% Variable |
Who should pick which
Pick the The if
Best for travelers who fly through US Centurion-Lounge cities (Atlanta, New York, Las Vegas, Denver, San Francisco, Los Angeles, Miami, Charlotte, Dallas), use Delta enough to value Sky Club access, and will work the Platinum credits actively.
See full The Platinum Card® detailsPick the Capital if
Best for travelers who want premium-tier lounge access at the lowest effective fee, who connect through cities with Capital One Lounges (Denver, Dallas, Washington Dulles, Las Vegas), and do not want to track multiple credits.
See full Capital One Venture X detailsStrengths and trade-offs
The Platinum Card®
Strengths
- Welcome Offer: 175,000 Points (Spend $8k in 6 months)
- Over $3,500 in annual value from credits and perks
- Access to 1,550+ lounges (Centurion, Delta, Priority Pass)
- 5X Points on Flights & Prepaid Hotels via Amex Travel
- Elite Status: Hilton Gold, Marriott Bonvoy Gold, Leaders Club Sterling
Trade-offs
- High Annual Fee ($895)
- Credits require enrollment and specific usage (must use designated vendors)
- Centurion guest access requires $75k spend
- Rates and fees apply
Capital One Venture X
Strengths
- Welcome Bonus: 75,000 Miles (Spend $4k in 3 months)
- Earn 10X on Hotels/Rentals & 5X on Flights (Capital One Travel)
- Unlimited 2X Miles on all other purchases
- Free Additional Cardholders (with lounge access)
- Effective Annual Fee is negative (-$5) after benefits
Trade-offs
- $300 credit requires booking through Capital One Travel
- Transfer partners can be less valuable than Amex/Chase for some
- Approvals can be inconsistent (algorithm-based)
Affiliate disclosure. AirportLounge.com may earn a commission when readers apply for cards through links on this page. The comparison above and editorial verdicts are independent of any commercial relationship. Read the full policy.
Other comparisons
United States
The Platinum Card® vs Chase Sapphire Reserve®
United States
Capital One Venture X vs Chase Sapphire Reserve®
United States
American Express® Gold Card vs Chase Sapphire Reserve®
United States
American Express® Gold Card vs The Platinum Card®
United States
The Platinum Card® vs Delta SkyMiles® Reserve American Express Card
United States
The Platinum Card® vs United Club℠ Infinite Card