Amex Business Platinum vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Capital One Venture X wins 4-0. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. Amex Business Platinum is still the right call if us-incorporated startups with $50k+/year corporate spend..
Side-by-side
| Criterion | Amex Business Platinum | Capital One Venture X |
|---|---|---|
| Annual fee | · $695 | $395 |
| Joining fee | = None | = None |
| Top reward rate | · 5% (travel) | 10% (travel) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 spend in 3 months | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | = 720 | = 720 |
| Editorial rating | · 4.5/5 | 4.7/5 |
Benefits compared
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
FAQ
›Amex Business Platinum vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (4 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.