Platinum vs Venture X
By Quy Dinh · Updated Oct 24, 2026
The short answer
The Venture X for most people: lounge access for the cardholder, 2x on everything, and credits that cover the $395 fee with little effort. The Platinum gets you into more lounges, including Centurion Lounges and Delta Sky Clubs, and adds hotel status and many more credits, but at $895 it only works if you’d use most of them.
Pick the Platinum if
- You want the widest lounge access, including Delta Sky Clubs
- You’d use the hotel, Uber, streaming and lifestyle credits
- You want Marriott and Hilton Gold status
Pick the Venture X if
- You want the fee covered without tracking many credits
- You want 2x on everyday spending
- Capital One Lounges and Priority Pass are enough for you
Side by side
| Feature |  American Express |  Capital One |
|---|---|---|
| In one line | Worth the $895 only if you’ll really use the lounges and most of the credits; for everyone else, a cheaper card does more. | If you book at least $300 of travel a year through Capital One Travel, the travel credit and the 10,000 anniversary miles pay the $395 fee, and 2x miles on everything does the rest. |
| Annual fee | $895 | $395 |
| Statement credits | Up to $3,274 a year in 14 credits | Up to $330 a year in 3 credits |
| How it earns |
|
|
| Lounge access | Centurion Lounge access Delta Sky Club access Priority Pass Select Other Global Lounge Collection lounges | Capital One Lounge access Priority Pass lounge membership |
| Welcome offer | As high as 175,000 points after you spend $12,000 on purchases in the first 6 months. Amex tells you your exact offer after you apply, before you accept the card. | 75,000 bonus miles after you spend $4,000 on purchases in the first 3 months. |
| Counts toward Chase 5/24 | Yes | Yes |
Credits are counted at their full cash value; see each card’s page for how each one works and which need activation. Offers change; the bank’s page has the current one.
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