| Chase Sapphire Reserve® | Capital One Venture X Rewards Credit Card | The Platinum Card® from American Express (see rates & fees) | |
|---|---|---|---|
| Welcome offer | Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel | Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. |
| Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. | 2X Miles per dollar on every purchase, every day; 10X Miles per dollar on hotels and rental cars booked through Capital One Travel; 5X Miles per dollar on flights and vacation rentals booked through Capital One Travel | 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. |
| Annual fee | $550 | $395 | $695 |
| Regular purchase APR | 20.24% - 28.74% Variable | 19.99% - 29.24% (Variable) | See Pay Over Time APR |
| Foreign transaction fee | $0 | None | None |
| Credit needed | Excellent | Excellent | Good / Excellent |
| First-year value | $2,346 | $2,603 | $3,140 |
| Second-year and ongoing value | $1,146 | $1,433 | $1,540 |
The Chase Sapphire Reserve® has the most comprehensive list of travel protections among these three cards. It also offers a high rewards rate across a variety of categories, including hotels, car rentals, other travel purchases and dining. Chase Ultimate Rewards® points have some of the most flexible redemption options available.
The Capital One Venture X Rewards Credit Card is the best overall pick for a travel credit card. You’ll earn a competitive rewards rate, including 2X Miles on all purchases, and it comes with a lower annual fee compared to the other two cards. Plus, you’ll receive a $300 annual travel credit, which can offset most of the $395 annual fee.
The Platinum Card® from American Express provides the highest level of luxury among these three cards, offering access to over 1,400 airport lounges globally. This card also comes with the highest welcome offer of the three and $1,000-plus worth of credits. But it has the highest annual fee, at $695.
The Chase Sapphire Reserve® offers the most diverse spending categories. Outside of earning up to 10x points on travel, you can earn 3x points on dining purchases. If dining isn’t one of your top spending categories, the Capital One Venture X Rewards Credit Card offers a higher 2X earning rate on all purchases, making it a great option for everyday spending.
The Platinum Card® from American Express offers narrower earning categories than the other two cards. Plus, the bonus rate on flights is limited to $500,000 each year.
| Chase Sapphire Reserve® | Capital One Venture X Rewards Credit Card | The Platinum Card® from American Express |
|---|---|---|
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The card that will offer you the most value depends on how you choose to redeem your rewards. The Chase Sapphire Reserve® provides the greatest value for travel redemptions, offering up to 1.5 cents per point, while the other two cards only give up to 1 cent per point. It also offers the highest overall value for redeeming cash back and gift cards. However, all three cards offer the best value when you transfer points to travel partners.
| Credit card points | Estimated value per point |
|---|---|
| Chase Ultimate Rewards® |
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| Capital One Miles |
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| American Express Membership Rewards |
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American Express has the most transfer partners with more than 20 hotel and airline partners. Capital One has 15+ partners, while Chase has 10+ partners.
The Chase Sapphire Reserve® has the most comprehensive list of travel insurance and purchase protections of the three cards. You’ll get primary rental car insurance, along with several additional coverage options not offered by the other cards, such as travel accident insurance, emergency evacuation and transportation insurance and emergency medical and dental coverage.
The Platinum Card® from American Express comes in close second to the Chase Sapphire Reserve® because it also has extensive coverage including access to the Global Assist Hotline4. While the Capital One Venture X Rewards Credit Card doesn’t offer as much protection as the other cards, it has primary rental car coverage, which is better than what’s offered with The Platinum Card® from American Express.
Travel protections
Purchase protections
Travel protections
Purchase protections
Travel protections
Purchase protections
The Platinum Card® from American Express offers the most extensive lounge access. You’ll have access to the Global Lounge Collection, which includes over 1,400 lounges worldwide. Additionally, you’ll get complimentary access to lounge networks like the Centurion Lounges and Delta Sky Club (10 visits per year). You can also add extra card members for a fee, and they’ll receive the same lounge access as the primary cardholder.
Both the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card still offer great lounge access. With each card, you’ll get Priority PassTM Select, granting access to over 1,300 lounges globally. The Capital One Venture X Rewards Credit Card also provides access to several exclusive Capital One airport lounges. Ultimately, it comes down to whether you’re willing to pay a higher annual fee for access to more premium lounges.
| Chase Sapphire Reserve® | Capital One Venture X Rewards Credit Card | The Platinum Card® from American Express |
|---|---|---|
| Access to Priority Pass™ Select (1,300+ lounges worldwide) | Access to Priority Pass™ Select and Capital One Lounges (1,300+ lounges worldwide) | Access to the American Express Global Lounge Collection (1,400+ lounges worldwide)* |
Although The Platinum Card® from American Express has the highest annual fee of the three cards, it also offers the most generous credits. You’ll get more than $1,000 worth of credits, which can easily offset the $695 annual fee if you think you’ll use them. In contrast, the Capital One Venture X Rewards Credit Card has a lower $395 annual fee, but you’ll get a $300 annual travel credit, which can still cover most of the annual fee.
| Chase Sapphire Reserve® | Capital One Venture X Rewards Credit Card | The Platinum Card® from American Express |
|---|---|---|
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| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Chase Sapphire Preferred® Card*
|
100,000 points
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
| 1X - 5X points
| $95 | ||
Capital One Venture Rewards Credit Card*
|
75,000 miles
75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit to use in your first cardholder year – that’s equal to $1,000 in travel
| 2X - 5X Miles
| $95 | ||
Bilt World Elite Mastercard®*
|
1,000 points
Bilt cardholders can earn double points on purchases made on the first of the month (excluding Rent) up to 1,000 bonus points. You must use the card 5 times each statement period to earn points.
| 1X - 5X points
| $0 | ||
Delta SkyMiles® Reserve American Express Card*
|
70,000 miles
Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
| 1X - 3X miles
| $650 | ||
Hilton Honors American Express Surpass® Card*
|
130,000 points
Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer Ends 4/29/2025.
| 3X - 12X points
| $150 |
2. Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
3. Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
4. Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card members may be responsible for the costs charged by third-party service providers.
5. Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
6. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
7. When an American Express® Card member charges a covered purchase to an eligible card, Extended Warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
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