Compare Cards: The Platinum Card® from American Express vs. Capital One Venture X Rewards Credit Card vs. American Express® Gold Card

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Earning Rates	The Platinum Card® from American Express American Express lounge-accesspremiumtransferable Details	Capital One Venture X Rewards Credit Card Capital One premiumtravellounge-accesstransferable Details	American Express® Gold Card American Express dininggroceriespremiumtransferable Details
First-year value Welcome offer + annual credits − annual fee	+$4,384.4	+$1,150	+$1,799
Annual Fee	$895	$395	$325
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	175,000 pts As-high-as offer: earn up to 175,000 Membership Rewards points after spending $12,000 in purchases within the first 6 months. Welcome offers vary and applicant may not be eligible. Spend $12,000 in 6 mo	75,000 pts Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening. Spend $4,000 in 3 mo	100,000 pts As-high-as offer: earn up to 100,000 Membership Rewards points after spending $8,000 in purchases within the first 6 months. Welcome offers vary and applicant may not be eligible. Spend $8,000 in 6 mo
Network	amex	visa	amex
Earning Rates
Dining	—	2× Earn 2X miles on dining	4× Restaurants worldwide, up to $50,000 per calendar year, then 1X
Flights	5× Booked directly with airlines	5× Earn 5X miles on flights booked through Capital One Travel	3× Flights booked through AmexTravel
Groceries	—	—	4× U
Hotels	5× Prepaid hotels	—	—
Other	1×	1×	1×
Prepaid Car Rentals and Cruises	—	—	2× Prepaid car rentals through AmexTravel
Prepaid Hotels	—	—	5× Prepaid hotels booked through AmexTravel
Travel	—	10× Earn 10X miles on hotels and rental cars booked through Capital One Travel	—
Benefits & Credits	Annual Credits Uber Cash - $15/month ($180/yr) + $20 December bonus = $200/yr total Uber One Membership - $120/yr on auto-renewing Uber One membership Walmart+ Credit - One monthly Walmart+ membership credit (~$12 CLEAR Plus Credit - $209/yr on CLEAR Plus Membership (auto-renewal required) Airline Fee Credit - $200/yr on incidental fees with one selected airline (baggage, food/drinks, etc Equinox Credit - Up to $300/calendar year statement credit on Equinox club membership or Equinox+ digital subscription Digital Entertainment Credit - $20/month ($240/yr) on eligible digital entertainment (Disney+, Hulu, ESPN+, NYT, WSJ, Peacock) Resy Dining Credit - $100/quarter ($400/yr) at US Resy restaurants and eligible Resy purchases lululemon Credit - $75/quarter ($300/yr) on lululemon Oura Ring Credit - $200/yr on Oura Ring direct purchases (oura Hotel Status Marriott BonvoyGold Elite Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: FHR program benefits	Annual Credits Capital One Travel Credits - $300/year on bookings through Capital One Travel Global Entry / TSA PreCheck - Up to $120 statement credit every 4 years for Global Entry or TSA PreCheck application fee Lounge Access 0 1 Other Benefits Visa Infinite Benefits: Includes trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, and other Visa Infinite protections	Annual Credits Uber Cash - $10/month ($120/year) on US Uber rides or Uber Eats Dunkin' Credit - Up to $7/month ($84/year) at US Dunkin' locations Dining Credit (Grubhub / Cheesecake Factory / Goldbelly / Wine.com / Five Guys) - Up to $10/month statement credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine Resy Credit - $50/half ($100/year) at US Resy restaurants or eligible Resy purchases Hotel Status Marriott BonvoyGold Elite Hilton HonorsGold Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: FHR program benefits
Insurance	Trip Delay Secondary Purchase Protection Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty	Trip Delay Secondary Purchase Protection Extended Warranty