Introduction: The Capital One Venture X Rewards Credit Card is a newcomer to the premium travel credit card market, but it’s quickly making a name for itself with its high rewards rates and luxury perks. But how does it compare to other premium travel cards like the Chase Sapphire Reserve® and the Platinum Card® from American Express? In this post, we’ll compare these cards across several key categories to help you decide which one is right for you.
Annual Fees:
- Capital One Venture X: $395
- Chase Sapphire Reserve: $550
- Platinum Card® from American Express: $695
Sign-Up Bonuses:
- Capital One Venture X: 75,000 miles after spending $4,000 in the first 3 months.
- Chase Sapphire Reserve: 60,000 points after spending $4,000 in the first 3 months.
- Platinum Card® from American Express: 100,000 Membership Rewards® Points after spending $6,000 in the first 6 months.
Rewards Rates:
- Capital One Venture X: 10x miles on hotels and car rentals and 5x miles on flights booked through Capital One Travel, 2x miles on all other purchases.
- Chase Sapphire Reserve: 3x points on travel and dining, 10x points on Lyft rides, 1x points on all other purchases.
- Platinum Card® from American Express: 5x points on flights booked directly with airlines or through American Express Travel, 5x points on prepaid hotels booked through American Express Travel, 1x points on all other purchases.
Luxury Perks:
- Capital One Venture X: Access to Capital One Lounges and Priority Pass™ lounges, $300 annual travel credit, up to 10,000 bonus miles every account anniversary.
- Chase Sapphire Reserve: Access to Priority Pass™ lounges, $300 annual travel credit, up to $100 credit for Global Entry or TSA PreCheck.
- Platinum Card® from American Express: Access to The Centurion® Lounge, Priority Pass™ lounges, Delta Sky Club® (when flying Delta), up to $200 airline fee credit, up to $200 Uber credit, up to $100 credit for Global Entry or TSA PreCheck.
Additional Benefits:
- Capital One Venture X: Purchase protection, extended warranty, trip cancellation/interruption insurance, and 24/7 travel assistance.
- Chase Sapphire Reserve: Trip cancellation/interruption insurance, auto rental collision damage waiver, travel and emergency assistance, and purchase protection.
- Platinum Card® from American Express: Purchase protection, extended warranty, trip cancellation/interruption insurance, return protection, and a host of concierge services.
Conclusion: The Capital One Venture X Rewards Credit Card offers a compelling package of rewards, luxury perks, and a lower annual fee compared to other premium travel cards. It’s an excellent choice for travelers who want high rewards rates and valuable travel benefits without paying the highest annual fees. However, if you prioritize lounge access, the Platinum Card® from American Express might be more appealing. Meanwhile, the Chase Sapphire Reserve® offers a strong balance of rewards and perks, especially for those who frequently dine out or use Lyft. Ultimately, the best card for you depends on your travel habits, spending patterns, and the perks you value most.
