BonusCeilingThe Platinum Card from American Express vs Capital One Venture X: sign-up bonus comparison (Oct 2026)
The Platinum Card from American Express: As high as 175,000 points after $12,000 spend in 6 months (offer varies) ($895 annual fee). Capital One Venture X: 75,000 miles after $4,000 spend in 3 months ($395 annual fee). Capital One Venture X needs less spending to earn its bonus. The Platinum Card from American Express is closer to its all-time high right now (at its all-time high (elevated right now)). Data checked 2026-10-19; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.
By Tyler Kelly · Updated
| The Platinum Card from American Express | Capital One Venture X | |
|---|---|---|
| Issuer | American Express | Capital One |
| Type | Personal | Personal |
| Current offer | As high as 175,000 points after $12,000 spend in 6 months (offer varies) | 75,000 miles after $4,000 spend in 3 months |
| Minimum spend | $12,000 in 6 months | $4,000 in 3 months |
| Annual fee | $895 | $395 |
| Earns | Membership Rewards points | miles |
| All-time high | As high as 175,000 points (since Jun 2025) | 100,000 miles: + $200 vacation rental credit at launch (Nov 2021-Mar 2022), and after $10,000 in 6 months (Nov 2025-Jan 2026) per Doctor of Credit |
| vs. record | AT RECORD | 75% of record |
| Issuer rules | Amex once-per-lifetime, Amex card families | Capital One 48 months |
| Verified | Not fully, 2026-10-19 | Yes, 2026-10-19 |
| Apply | American Express site | Capital One site |
Frequently asked questions
Which has the bigger bonus, The Platinum Card from American Express or Capital One Venture X?
The Platinum Card from American Express: As high as 175,000 points after $12,000 spend in 6 months (offer varies). Capital One Venture X: 75,000 miles after $4,000 spend in 3 months. They earn different currencies (Membership Rewards points vs miles), so compare by how you'd redeem them.
Which bonus is easier to earn?
Capital One Venture X has the lower spend requirement.
Can I get both?
Possibly, if you meet each issuer's rules: The Platinum Card from American Express: Amex once-per-lifetime, Amex card families; Capital One Venture X: Capital One 48 months.
Can I afford the minimum spend? → · How long to wait between bonuses
Bonus history: The Platinum Card from American Express · Capital One Venture X
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