Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Chase Sapphire ReserveAmex PlatinumCapital One Venture X
Annual fee
$795
$895
$395
Earns into
Chase Ultimate Rewards
Amex Membership Rewards
Capital One miles
Card type
Personal
Personal
Personal
Restaurants
3x points
1x points
2x points
Groceries
1x points
1x points
2x points
Flights
4x pointsBooked directly with the airline
5x pointsBooked directly with the airline or through Amex Travel, up to $500,000 a year
5x pointsBooked through Capital One Travel
Hotels
4x pointsBooked directly with the hotel
5x pointsPrepaid hotels booked through Amex Travel
2x points
Travel portal
8x pointsBooked through Chase Travel
5x pointsPrepaid travel booked through Amex Travel
10x pointsHotels and rental cars booked through Capital One Travel
Everything else
1x points
1x points
2x points
Who it fits
Travellers who transfer points to airline and hotel partners and use the travel credit without thinking about it.
Frequent flyers based near Centurion or Delta lounges who clear the recurring credits without changing plans.
Travellers who want lounge access and a flat earn rate without tracking monthly credits.
Who it doesn't
People who redeem for cash back — the fee is priced for transfer redemptions.
Two-trips-a-year travellers, and anyone who has to reroute spending to claim a credit.
People who need a specific airline's lounges or elite status.
Last documented change
August 14, 2026Repriced into the same premium tier as its competitors
August 14, 2026Annual fee moved to $895 alongside a rebundled set of credits
August 11, 2026Lounge access came under the same crowding pressure as the rest of the tier
Our coverage
What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.