$300/yr credit for bookings through Capital One Travel (cardmember year).
AnniversaryVerified
Effective annual fee
What it really costs
The sticker fee is what the card charges. The effective annual fee is what it costs — after the statement credits you would actually use.
Primary
Venture XCapital One
Annual fee$395
At face value, used in full−$35
Your effective fee$180
Estimate — every credit set to Maybe
Compared againstLower for you
The Platinum CardAmerican Express
Annual fee$895
At face value, used in full−$2,099.40
Your effective fee−$602.20
Estimate — every credit set to Maybe
Which credits count
Answer once per credit, on both cards
Nobody uses every credit. Pick a category, see both cards side by side, and mark what you would use — the effective annual fee above recomputes against your answers, not the issuer's best case.
Which credits you'd actually use
Travel
Hotel, airline and portal credits.
Venture X$400
10,000 bonus miles every account anniversary (~$100 in travel).
AnniversaryVerifiedThe Platinum Card$800
Up to $300 Jan–Jun and $300 Jul–Dec ($600/yr) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel (THC needs 2+ nights).
Twice a yearVerifiedUp to $200/yr in incidental fees with one selected airline. Enrollment + airline selection required.
YearlyEnroll firstVerifiedDining
Restaurants, delivery and grocery credits.
Venture X—
Nothing in dining on this card.
The Platinum Card$400
Up to $100/quarter ($400/yr) at U.S. Resy restaurants. Enrollment required.
QuarterlyEnroll firstVerifiedTransit
Rides, transit passes and parking.
Venture X—
Nothing in transit on this card.
The Platinum Card$300
$15/month in Uber Cash, $35 in December ($200/yr total). Add the card in the Uber app.
MonthlyEnroll firstVerifiedCovers an auto-renewing Uber One membership (up to $120/yr). Enrollment required.
YearlyEnroll firstVerifiedWellness
Gyms, studios and wellness memberships.
Venture X—
Nothing in wellness on this card.
The Platinum Card$500
Up to $300/yr on Equinox club or Equinox+ memberships. Enrollment required.
YearlyEnroll firstVerifiedOne-time $200 credit toward Oura Ring hardware. Enrollment required.
Cadence inferredEnroll firstVerifiedEntertainment
Streaming, tickets and single-retailer credits.
Venture X—
Nothing in entertainment on this card.
The Platinum Card$755.40
Up to $75/quarter ($300/yr) at U.S. Lululemon stores or online. Enrollment required.
QuarterlyEnroll firstVerifiedUp to $25/month ($300/yr) on eligible subscriptions (Disney+, Hulu, ESPN, NYT, Paramount+, Peacock, WSJ, YouTube). Enrollment required.
MonthlyEnroll firstVerifiedCovers Walmart+ monthly membership (~$12.95 + tax). Enrollment required.
MonthlyEnroll firstVerifiedAccess
Application-fee and credential credits, and anything that fits no other category.
Venture X$30
Up to $120 every 4 years.
Cadence inferredVerifiedand nothing else — The Platinum Card carries 1 more here
The Platinum Card$239
Global Entry ($120) every 4 years, or TSA PreCheck every 4.5 — each authorized user gets their own.
Cadence inferredVerifiedUp to $209/yr covering CLEAR Plus membership (excl. taxes/fees).
YearlyVerifiedThat's every credit on both cards.
Maybe is scored at 50% of annual value.Every figure is annualized.
Rates normalised to cents of value per dollar spent, so different point currencies compare. Useful once you hold the card; it is not what decides whether the fee is worth paying.
| Venture X | The Platinum Card | |
|---|---|---|
| Flights (booked direct) | — | 5× Flights (direct / Amex Travel) |
| Flights via issuer portal | 5× Flights (Capital One Travel) / Air Travel (Capital One) | — |
| Hotels & cars via issuer portal | 10× Hotels & rental cars (Capital One Travel) | 5× Prepaid hotels via Amex Travel |
| Everything else | 2× Everything else | 1× Everything else |
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Where these figures come from
How we verify our data
Figures come from our card database and can lag issuer changes — always verify against the issuer's current terms.
- Solid borders: Verified issuer terms.
- Dashed borders: Estimated, pending final issuer sync.