Amex Platinum vs Venture X: Best Travel Card?! 2024

[@AskSebby]

💳 See Sebby's Card Picks: www.asksebby.com/credit-cards 💳 Capital One Venture X: www.asksebby.com/credit-cards/capital-one-venture-x [ Amex Platinum Calculator ] bit.ly/2BEUufO

[@casondean8271]

Honestly if Capital One had a larger lounge network and domestic airline transfer partner(s), it'd be a perfect card

[@AskSebby]

Agree!

[@a.Janine.pretty]

Yes!!! Please say that for the folks in the back!!

[@calvinfan6330]

Eh lounges are overrated imo.

[@TeamTimeRiders]

I agree. Get us a lounge in NY. I really wanted the venture x for the longest time, but the csr is looking like the sleeper pick lounge card for 2024z

[@bobdole1872]

not perfect, but VERY VERY good

[@scottshapiro2795]

🐆 I think the VX just makes more sense. You get so much value with such little work. I'm addition, the multipliers are much better. The real value is transferring out for that business class flight, and VX does that better than the platinum. Granted, hotel status is nice, but aside from the free breakfast, I don't see much benefit in it. When I travel, I don't tend to stay in the hotel for too long. I wake up, do what I need to do, then head out for the day. Very rarely do I spend a lot of time in the hotel, so it wouldn't matter to me if I'm in a suite or regular room with 2 queen beds. I think a lot of people who get the platinum card just get it because it's a status symbol, not because it's the best card for their situation.

[@gbglobetrotter]

I got the Platinum in 2004, I would say I really value the Fine Hotels and Resorts program. It is a well curated listed of hotels globally. If I land in India, as I did the first time, I knew that the Fine Hotels and Resorts hotels would be to my linking. The Imperial in New Delhi was exceptional. I also discovered Aman through the program too and their hotels are now my all-time favourites now. The Amex travel concierge also got me out of house arrest in Cuba: I would have gone to some rat hole jail with any other card in my wallet!

[@THEcolebennett]

One huge benefit most don't know about the Amex Platinum is that you can status match the hotel status to Caesar's Rewards Diamond status and get 3-4 free nights at Atlantis in the Bahamas for 2 people and for extra guests in the room its only about $50 per person per night. As a Ceasar's diamond status member you get free nights at Atlantis, so as soon as you status match you can book your nights. Basically a heavily subsidized vacation.

[@billwright2176]

Multipliers are better.? How does it do booking direct with a hotel or airline..... dinning........ride share........x2. . A chase unlimited at 1.5 is 2.25 if your pro portal.. and if your vx you have to be or the whole $300 credit falls apart.

[@MiguelGomezMountainRunner]

As someone who flies 10 times per year internationally and domestically to places with good centurion lounges, sky clubs, and other lounges, the platinum is much more valuable to me than the VX would be. In addition to the credits, their offers can add another few hundred in savings per year, putting me and my wife at a negative annual fee for a card that gives us lounge access, Clear, status with various hotels and car rentals, etc.

[@douglewis7067]

🐆The Venture X booted the CFU out of my Chase lineup as a catch-all card. My wife does have an Amex Platinum and we've found the best way to use the Saks credit is for her to just order some make-up she'd normally buy every 6 months. It's the one thing where their prices aren't through the roof.

[@alexgtp]

One of my favorite underrated perks for AMEX platinum is the Cruise Privilege Program. We get on board credit and additional specialty dining and a bottle of champagne or wine. Also get an additional point once cruise is completed. We cruise 3-4 time a year so for us the extra points works out. (we tend to cruise with family also so we book all of their cruises too and get the points 🙂)

[@BurtGordon-o2u]

If you live in the Washington DC area, the Venture X is a no brainer. Cap One Lounge open at IAD and new Jose Andres designed one coming soon to DCA. 2x back on non-travel category purchases. Combine with the Amex Gold 4x back on groceries and restaurants. Transfer points out to common travel partners. Skip the $50 face wash at Saks.

[@sharell814]

But you'd have to fly into dulles

[@BurtGordon-o2u]

I’m at IAD now. 😊 It’s a very nice lounge. DCA opening soon.

[@benchoflemons398]

Venture x is a keeper card Plat is a coupon book

[@papertowel2458]

And Sebby is Daddy

[@obesesoldier1]

Both. The odd card out is the Sapphire Reserve which is so much harder to justify that annual fee.

[@mrb152]

It's easier to justify if you don't want a coupon book. Also restaurant credits as part of priority pass.

[@manfa]

For me the best card is the one which approves me and want me as a client. Tired of those banks with lots of rules for application And so far Amex being the only one for me

[@siumaka]

🐆 Had the platinum, changed to VX. So happy I did. Better fit for me, easy to get value, love having free AUs. The Platinum felt stressful to get good consistent value from year after year. VX gives me value blindfolded.

[@artaudcharles]

Get both. Life is too short.

[@kildli]

Checked out capital one lounge for the first time today at IAD And holy it was better than any other centurion lounges I’ve been so far

[@michaelmclaughlin105]

Think the Venture X fits a bit more seamlessly into a primarily cash back setup as well. As you mentioned, it can be a "2x" card for non-bonus category spend. And does this for an effective -$5 fee...plus great benefits. Pay your cell bill with it, get insurance. Pay for a new microwave with it, get an extra year of warranty. Cards like the DoubleCash, PayPal, or Active Cash just can't compete. Of course, that assumes that the user takes at least one trip each year so that the credits aren't wasted.

[@aaront936]

The venture x bonus categories are only in the portal. It's a glorified 2 x card.

[@michaelmclaughlin105]

@@aaront936 Each to their own. That lense seems much like saying that a vehicle is only a glorified piece of art unless you drive it, as it’s designed for. But even so, in a cash back setup, without other more compelling options for no annual fee travel cards, and a bunch of lackluster (I.e. few or no benefits, charging foreign transaction fees, etc.) 2% cards. A glorified 2x card is still better than a not so glorified one. While I can agree that not having to use a portal would be preferable, I’ve found Capital One’s portal to be intuitive and price competitive. And since I’m fairly agnostic about what hotels and airlines I use (making status mostly a benign benefit for me), I get the 10x/5x benefit most of the time when I travel.

[@mohitshah9048]

Can you say more about the insurance with the microwave? Just bought one recently haha

[@michaelmclaughlin105]

@@mohitshah9048 Sure. Pages 12-14 of the Capital One Visa Infinite Benefits guide describes the coverage and protection of the extended warranty program. In short if you purchase an eligible product with a manufacturer warranty of three years or less, and register the purchase, an additional year will be added to the warranty. So a 6 month warranty effectively becomes 18 months. Some purchases (e.g. boats) don’t qualify, and registration needs to be done on the product with card benefits service.

[@jetskiwu]

@@aaront936the platinum is the same but the non category spending is 1x

[@JazzyMarineVet]

Schwab Plat...MR points transfered and pays the $695 AF on aggressive EFT and mutual funds. It's better than gold for me

[@rhannah7873]

🐆 I have the Capital One Savor One card and hope to pair it with Venture X in the future.

[@Nivek0]

Plat is a coupon card, Venture X is an actual credit card. This is a no brainer.

[@alexsox]

The "coupon" value differs from person to person, but I think the actual deciding factor is if your airport has a Capital One lounge or an Amex lounge

[@rudra1087]

If you are married be ready to spend 75000 in a year just to be able to bring your partner into the centuriin lounge

[@viciousoz4188]

Why not both

[@danielarambula9768]

Nah

[@rudra1087]

They changed it to reduce overcrowding. Now you need to add them as an authorised user or spend 75k on the card to bring in a guest

[@CesarJoel]

🦁 One benefit that is rarely mentioned with the Platinum, is that you also have the option to add several free companion authorized users that get free global entry $00 credit. I have 3 free AUs and use that benefit. Thanks for the info Sebby!🙏

[@TristanShieldsVlogs]

How did you get free AUs?

[@CesarJoel]

@@TristanShieldsVlogs it will give you 2 options when you add an AU, the paid one for $195 and the $0 companion platinum AU.

[@TristanShieldsVlogs]

@@CesarJoel got you, I think before those were gold cards but they changed them to be platinum

[@CesarJoel]

@@TristanShieldsVlogs is a white plastic card now but still free with the same free global entry for every user.

[@aaront936]

@@CesarJoel I thought they discontinued this?

[@laspalomas2002]

🦁 Been watching the channel here and there but finally subscribed. Have been on the Cash Back team for a couple years and have been looking to using points instead and this channel has been super helpful. Thanks for the content!

[@chadpennycuff]

Team both. There's no reason NOT to get the C1VX cause the credit is so easy to use. Amex takes a bit more work to get value from but its do-able with 2 AUs. Amex concierge service rocks - they planned a daddy-daughter weekend in NYC for me, including Disney on Broadway.

[@AskSebby]

Nice!

[@thirtynine392001]

🦁 Amex Platinum for the lounge access. After retiring from the military, the USO is no longer a guarantee. The USO only admits retirees on a space-available basis so I keep the Plat on hand in case I need a backup lounge.

[@Codyyyyyyyyyyyy]

🦁 love the Schwab platinum. With the amount I fly delta, I may cancel it once the lounge changes go into effect.

[@teddymasters1347]

Escape lounge is a great bonus because they are often the only lounge option at a given airport.

[@JLGMoney]

No priority pass or capital one lounges near me but there is a centurion, so I am considering the platinum for sure, I'll def at least get it for the first year! Great comparison video !

[@chromecrescent]

🦁I think the number of Centurion lounges is keeping me on Amex, but as soon as more CO lounges open up in relevant airports (BOS, LHR, MIA, ORD, JFK) then I will jump ship in a heartbeat

[@AskSebby]

Hoping for an SFO one 🤞

[@TeamTimeRiders]

So true. Also whoever is the first one to open a lounge at BNA. If C1 does so, I’m getting the vx

[@rosgyallay9529]

Capital One also has no price inflation in their travel portal. So what they lack in transfer partners you have no price inflation and access to Frontier, Spirit flights plus budget airlines overseas. Venture X also doesn't feel like a coupon book.

[@meadows5367]

🐆 1. Favorite benefit would be all the points benefits including the annual anniversary bonus. 2. No stories for the cards. I’d like to try the Amex platinum, but the credits don’t make sense for me. I wouldn’t use enough of them to offset most of the annual fee. Maybe the revamp will change that?

[@DaveMartinez-o1s]

What I love the most is all the options. There is a travel cart out there to fit your personal needs. I personally have the MS platinum. And I travel on a plane about seven times a year None of it business travel. So this card fits my need. There is no one right card for everybody. Thank you for the video

[@Club-Thirty-Three]

🐅Thanks for keeping the information current on the pros and cons of these two great cards. How can you go wrong with the Venture X card with the $300 and $100 credits? It’s basically a free card. They also pay my global entry fees. Lastly, the fact that they don’t charge me extra for my wife and daughter’s card makes it a no brainer.🐅

[@TheAndyzilla]

Team VX. Amex seems to force me to use those coupons in order to make the card "worth it" and that just means added expenses that i didnt need or had.

[@calebalcorta]

🐆 Team Venture X, but can't get approved by Capital One for it. Too many recent cards

[@benjaminbarry5589]

🐆 The capital one lounge was super busy when I was there but the card overall is worth it.

[@rosgyallay9529]

Capital One Venture X easily. While they don't have transfer partners, their travel portal doesn't have price inflation like Amex does. I easily use this for Frontier and Spirit flights and also budget airlines in Asia and Europe. Amex is too much like a coupon book but they still do have a more expansive lounge network.

[@rosgyallay9529]

Venture X. Even though they don’t have great transfer partners, I use their points for budget airlines while in Asia. Their portal has no price inflation really.

[@debsaletta9024]

🦁 I like the lounge access snd flexibility Amex provides. However, I also like 2% back on everything.

[@danielgarcia7198]

🐆 Team VX. The credits on this card are much simpler. I was able to use the plaza premium lounge in Cancun and was pleasantly surprised. Thanks for all you do Sebi. You’re my hero.

[@jeanlikedenim]

For me 🦁 The Balance not reporting to my personal and being able to carry balances. Being that I’m in construction it makes it easier

[@DHJakon]

I like Plat. So far this year I have used the lounge at PHX and LAX. Definitely saves money by not getting airport food.

[@joephillips5594]

These are both keeper cards for me.

[@codyschlanger1368]

Something not mentioned is that CO does price matching and gives travel credits for the price different when booking through their portal.

[@stewartviera4774]

Whats your opinion on having both?

[@druiz012]

🐆 I have 3 authorized users and I live that I can get my family of 5 into the lounge. The $300 credit is easy to use and I get way more than 2 cpp though the Turkish devaluation does hurt.

[@AskSebby]

Nice!

[@codyschlanger1368]

i'm super sad they killed the 7500 point transfer from NYC to Hawaii via turkish

[@jyk000]

🦁Amex Plat hands down. Their customer service, earnings rate, and transfer partners are unparalleled. Plus, C1 won't accept me and I want that Black card someday.

[@SomeDudeSomewhereOverThere]

this is the way

[@Dudevegaslv]

It’s unparalleled when you go through coupon book and check what to spend and what not to spend .

[@TeamTimeRiders]

Love it for the broad lounge access. Centurion, Delta, Escape and others you can only get access to on a Plat. Vx’s choices are a lot less now that they also took away restaurants.

[@kaina732]

I am considering these cards. It looks like the Plat makes more sense to me with the much higher SUB (175,000) and an effective AF of $200 and also factoring the authorized user. $1,750 (SUB) - 200 (effective AF) = $1,550 - $195 (authorized user) = $1,355. Venture X is $750 (SUB) + $5 (effective AF) = $755. Plus I prefer the transfer partners of AmEx (and I have the Gold). Am I missing anything in my analysis? Looks like a clear cut case for the Plat.

[@alexkpai]

@1:15 lol i like the part where sebby has to explain how years work

[@Nluvwitmanuel]

🦁 I use everything except Equinox or anything related to Equinox! I had never heard of it before! I seriously think they should have tailored the gym credit regionally. In the Southwest,, L.A. Fitness or Lifetime Fitness. I don't know about other markets.

[@AskSebby]

Flexible fitness credit would've been great.

[@sharell814]

LA Fitness is no where near Equinox

[@Nluvwitmanuel]

@@sharell814 Yeah, I get that but what I am saying is Equinox is not available in our market here in the southwest. It would simply be nice to give folks a choice of gyms available in their market.

[@billlyl3725]

🦁Recently got the Plat for the SUB and 5x flight multiplier. Whether I keep it long term depends on how I adapt to the coupon book. Venture X looks very solid

[@mufavato99]

Team AmEx 🦁 Because of the card, my wife and I were able to enjoy a dinner at the Centurion Club in NYC. Excellent evening!!

[@mytrung]

Hey sebby! I already have the venture x and have the enrollment bonus secured already. These next couple of months I’m expecting a lot of expenses for things like furniture and home upgrades. What cards should I be considering when it comes to bonuses, I’m Ilooking at the gold and platinum card to grab both bonuses but not sure how to calculate if it’s smart or not

[@ashleydjng]

Sebby can you do a review on the founders card? I would love to get your take on the pros and cons of the card.

[@mrhydrojefe]

🐆 for now as we are new to the game. My p2 just got approved for the venture x! Are there any negatives to becoming an authorized user? Might it affect 5/24 , or my ability to get it down the road? Also, headed to Andaz Papagayo in Nov!

[@itsjennyzhu]

I've been in amex PUJ forever and want to get the plat but can't. Might just learn to be happy with VX

[@Crispycheeez]

Sebby, how do we get access to the United lounges without buying 1st class tickets?

[@simonwolfey]

Is there any merit in having both? I'm already an Amex Plat and Gold card holder (as well as a few other cards), but I've been interested in getting the Venture X for some time now. The annual fee isn't much of a concern as I typically get the value I need out of all my cards, but I also don't want to grab the Venture X if it's not going to provide additional value (outside of the initial bonus).

[@mmendozal13]

Thinking of getting the Venture X. Honestly Centurion lounge are so packed. I noticed priority pass lounges weren't as nice but way less packed and good enough to get some food and leave.

[@jenniferchan3687]

🐆 I love this card cause my entire family can be AU without paying extra. Favorite Benefits are lounge access and $300 travel credit. Question: I know there is travel insurance on these cards but do you feel it’s enough? Should we be buying additional travelers insurance like Allianz?

[@Love2Cruise]

Closed my Plat card after 14 years. Tired of keeping track of all the tiny credits and whether if I used them; and the lackluster point earnings even with an outrageous AF. Got a VX to replace it, and used the $300 credit on the 2nd day for my upcoming travel.

[@nadiashams]

Do we get priorty pass free for Venture X and we can have two complimentary guest as many as you can right?

[@ninaalvarado3132]

🦁Thanks Sebby! Lounge access is worth it for me!

[@darkskydrake]

Thank you. What is the best card for American Airline lounges and lounges in Korean air terminals out of Dallas Air port?

[@TheStallion234]

I have the Platinum Card and the Citi Trifecta. One of the best benefits of the Platinum is undoubtedly the Rakuten point conversion. Big purchases can net you 5,10, even 20k points in one shot if you get the right multiple. With all these cards I get a point multiple on every single dollar I spend and Citi gives a 1:1 transfer to JetBlue unlike Amex which is clutch as I’m based in a big JetBlue area.

[@onggusly]

Btw I want to ask you a question, I booked award flight from Delta by transferring my amex business platinum MR points to my delta skymiles, the charge posted in my amex platinum just for the small fee. I’m wondering if that kind of trip also covered in trip insurance provided by amex platinum? Or I have to purchase stand alone trip insurance?

[@AndrewWong08]

Is there a difference between the Amex Platinum and the Schwab Amex Platinum?

[@jeppusahn]

🦁🐯 huge fan of both but I want to add a venture X business to my collection. Question for you - I have heard that there is a 2 cap1 card per person limit. Do you know if that is the case? Thanks man, always love your videos

[@AskSebby]

Yes, there is the 2 card rule.

[@paulstein916]

@@AskSebbyI didn’t know this. I already have a co-branded C1 card so couldn’t get both VX and S1. I wonder if I can PC into one of them. Have you read anything about C1 product change process?

[@PreethamEranki]

Lion🦁 I recently used the CPP on AmEx P. Love all its perks

[@JD0824]

🦁 Hi Sebby. Question for you. Do you still get the $100 hotel experience credit if you book using points? Or do you have to pay with the Platinum card? Thanks for everything.

[@AskSebby]

You can book FHR w/ points, but you do need to pay the rest (hotel fees) with the Platinum card.

[@JD0824]

Thanks Sebby. Appreciate you responding.

[@zyzzuschrist3410]

8:45 why not compare the Visa Infinte’s return protection against Amex’s?

[@dominiccampbell1989]

We love the AMEX Platinum but are looking to switch to Venture X. Mostly, the annual price for two about $1,000 and we want to get our kids in the airport lounge.

[@Dudevegaslv]

VX got the best bang for a buck !!! Capital one lounges are hands down better than Amex lounges. I don’t like going through coupon books . You know what I m referring.

[@elitepctech]

🦁. The Centurion Lounge and 5x on flights.

[@rosgyallay9529]

too much price inflation on 5x flights in then Amex travel portal

[@elitepctech]

@@rosgyallay9529 - I book directly with airlines if I paying real currency. For award travel, I xfer points out to transfer e

[@adamslucas3976]

What are your thoughts on getting both?

[@AskSebby]

Good strategy if you can utilize all the benefits.

[@jmr2762]

🦁 currently team Amex Platinum but, open to switching when AF hits.

[@Jellyroll2]

🦁 What I hate about the VX is that the travel multiplier and travel credit only works if you book through their portal. If you have status with hotels, etc booking through a TPA is a pain. The travel partners aren’t as good plus applying with Capital One is 🤢.

[@codyschlanger1368]

something not mentioned in the video is that capital one does do price matching and gives you travel credit difference if you find the booking cheaper somewhere else

[@jessetirayoh]

I like to stay at different type of hotels and don't necessarily care about hotel loyalty status as I dont travel enough to justify them. The 10x booking from C1 is a gem and 4-star or 5-star hotels outside of US is not to be scoffed at, along with its price match guarantee I'm for sure team Venture X.

[@alouie001]

AMEX platinum works well if paired with Delta Platinum and if you primarily fly on Delta.

[@Kebinnugget]

Do authorized users on a venture x also get to bring in unlimited guests using their own priority pass or is that perk for unlimited guests only for the cardholder?

[@minifunkable]

Lotta place still don't take am ex....i use VX and get about 600k + pointsca year....

[@Ben..E]

🐆looking to add Amex Gold though, just got the BBP.

[@randomsonmymind6919]

The platinum card annual fee is almost $700 but interestingly I've been able to offset this pretty well with the hertz presidents circle status and platinum cdp discount along with the extended warranty. For the hertz related perks I've received upgrades over $400 in value each time and used the free 4 hours extended rental perks so I save money there. For the extended warranty our dryer broke so I filed a claim and was fully refunded by Amex for the original purchase of the dryer.

[@srujangulla9519]

2:23 super cooool 🦁

[@landed173]

I knew venture x got rid of priority pass restaurants, but I didn't realize they got rid of ALL non-lounge experiences. Had an awkward moment in ATL as I was getting declined from a minute suite.

[@jonathanjensen3025]

🐆 Definitely the VX as I use it as my catch all card. Amex Platinum makes you work too much to get the credits and make it worth it in my opinion.

[@TomSramekJr]

What, no relationship advice in this one?! ;-) Good video!

[@AskSebby]

Ha! Next time :P

[@papertowel2458]

It's hard for Daddy Sebby sometimes. He just drowns in women.

[@Milkinporsche]

I am surprised people mentioning platinum concierge a lot less. Its still a pretty good feature.

[@richard1113]

8:39 What? I had to double-check my AMEX Platinum benefits and they still show damage as PRIMARY, not secondary.

[@mitchellhaven7074]

@AskSebby for the Venture X, are the annual travel credits bankable? Or are they use it or lose it by your anniversary date?

[@kgluv4you]

🦁Thanks for the information

[@jona777dedios]

i just got my platinum today and this comes out might go for the venture x after i get the welcome bonus on the plat 🦁🦁🦁

[@kenlei3907]

I pay $495 AF for my Schwab platinum. I am keeping it🎉🎉

[@FalconNipps]

Great comparison.

[@1MOTOGUY]

🦁Very helpful video.

[@WinTheMissingNumber]

🐆definitely Venture X

[@rasjahson6261]

There is no comparison with the Male Lion and the leopard. The Lion is the King. 😂🤣 Just kidding. Both cards are equally good my opinion. I use both of them. Great information. Keep up the good work. ✌️👍🏿

[@balloonpark]

🐆 Have both but generally better experience with the leopard.

[@eddielee88]

You don't get the 10k anniversary miles on your anniversary. I called and the capital one rep verified it takes up to 2 billing cycles for you to get it. Very disappointing... Don't know if other cards that offer anniversary miles/pts take that long.

[@AskSebby]

Ahh, thank for the data point.

[@Pafuio]

I have both, I have tried to cancel the Amex Platinum but I don’t have the courage to do it, my next anual fee is due in 5 days, and I still can’t decide if I really want to do it.

[@Lillysammy126]

Call them and wait until they finish their pitch and be like “idk still and then ask if there is a retention offer”. I did that years ago when I first got the plat and they gave me a retention offer for spend. Did it the second year again and no offer so I downgraded to gold which I happened to get a welcome/downgrade points even though that’s not really allowed.

[@Pafuio]

@@Lillysammy126 thanks for the advice, I’m planning on asking for a retention offer, downgrade is not a option for me since I also have Gold and Green, if they don’t give me any offer I might cancelled!

[@Lillysammy126]

@@Pafuio good luck! I read online that some people were successful after calling more than once and some even said the chat worked too.

[@varjunind1]

Platinum should provide at least 5 centurion pass/yr, not using it for family is a deal breaker for me

[@VincentPascual]

I have the Business Platinum and the personal Venture X. Both have served me very well. I’d argue that the Biz Plat is a better card to go with over the personal Plat because there are way fewer credits to manage (all you really need to worry about are airline, Dell, and wireless) and the 35% airline bonus rebate. 🦁🐆

[@l.a.rivasesq.8841]

I don’t like having to use travel portals.

[@Mochi2021]

🦁 IAP and FHR are the most overpowered benefits. Can cover the annual fee multiple times over.

[@AskSebby]

Love FHR!

[@Love2Cruise]

IAP was amazing during the pandemic. Nabbed some great air fares to Europe & Asia. Since late 2022, not so much.

[@jefuryo]

I have both for free (annual fee waived). DEF WORTH IT!

[@canesnation3778]

How do you get the annual fee waived 🤔

[@jefuryo]

@@canesnation3778 serving the country ;)