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Best Credit Cards in February 2025Articles
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Chase Sapphire Reserve® vs. Capital One Venture X Rewards Credit Card vs. The Platinum Card® from American Express

Headshot of Sammi ScharfWritten by
Sammi Scharf
Headshot of Robin RatcliffEdited by
Robin Ratcliff
Updated on:
Content was accurate at the time of publication.
We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.

Key takeaways

  • The Chase Sapphire Reserve®, Capital One Venture X Rewards Credit Card and The Platinum Card® from American Express are three top travel credit card choices with valuable benefits for frequent travelers.
  • The Chase Sapphire Reserve® has the most flexible redemption options and top-tier travel insurance.
  • The Capital One Venture X Rewards Credit Card has the lowest annual fee of the three cards and provides the highest earning rate on general purchases.
  • The Platinum Card® from American Express has the highest annual fee, but offers the most in terms of luxury travel perks.
  • Choosing between these three cards depends on your spending habits, whether you plan to use the card’s benefits, and how much you’re willing to pay for an annual fee.

Travel transfer partners

American Express has the most transfer partners with more than 20 hotel and airline partners. Capital One has 15+ partners, while Chase has 10+ partners.

  • AerClub, loyalty program of Aer Lingus
  • British Airways Executive Club
  • Emirates Skywards
  • Air France KLM Flying Blue
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • Air Canada Aeroplan
  • IHG Rewards Club
  • Marriott Bonvoy™
  • World of Hyatt

 

 Learn more about Chase Ultimate Rewards® Transfer Partners.

  • Aeromexico Club Premier
  • Air Canada ‒ Aeroplan
  • Cathay Pacific ‒ Asia Miles
  • Avianca LifeMiles
  • British Airways Executive Club
  • Emirates Skywards
  • Etihad Guest
  • Finnair Plus
  • Flying Blue
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • TAP Miles&Go
  • Turkish Airlines Miles&Smiles
  • Virgin Red
  • Choice Privileges
  • Wyndham Rewards

 

 Learn more about Capital One Transfer Partners.

  • Aer Lingus
  • AeroMexico
  • Air Canada Aeroplan
  • Air France-KLM Flying Blue
  • ANA Mileage Club
  • avianca lifemiles
  • British Airways Executive Club
  • Cathay Pacific ‒ Asia Miles
  • Choice Privileges
  • Delta Air Lines
  • Emirates Skywards
  • Etihad Guest
  • HawaiianMiles
  • Hilton Honors
  • Iberia Plus
  • JetBlue TrueBlue
  • Marriott Bonvoy
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Virgin Atlantic Flying Club

 Learn more about redeeming credit card travel points.

Full list of travel and purchase protections:

Travel protections

  • Auto rental coverage: Primary coverage of up to $75,000
  • Roadside assistance: Up to $50 per incident four times per year
  • Trip cancellation/interruption insurance: Up to $10,000 per person and $20,000 per trip
  • Trip delay reimbursement: Up to $500 per covered traveler
  • Lost luggage reimbursement: Up to $3,000
  • Baggage delay insurance: Up to $100 per day for five days for delays over six hours
  • Travel accident insurance: Up to $1,000,000
  • Travel and emergency assistance services
  • Emergency evacuation and transportation: Up to $100,000
  • Emergency medical and dental benefit: Up to $2,500 (subject to a $50 deductible)

Purchase protections

  • Purchase protection6: Covers eligible new purchases for 120 days and up to $10,000 per item
  • Return protection: Covers eligible items within 90 days of purchase, up to $500 per item, up to $1,000 per 12-month period
  • Zero liability protection
  • Extended warranty protection7: Extends eligible warranties of three years or less by an additional year, up to four years from the date of purchase

Travel protections

  • Auto rental coverage: Primary coverage of up to $75,000
  • Roadside assistance
  • Trip cancellation/interruption insurance: Up to $2,000 per insured person
  • Trip delay reimbursement: Up to $500 per ticket
  • Lost luggage reimbursement: Up to $3,000

Purchase protections

  • Return protection: Covers eligible new purchases for 90 days up to $3,000 with an annual maximum of $1,000
  • Extended warranty Protection: Extends eligible warranties of three years or less by an additional year
  • Cellphone protection: Covers you up to $800

Travel protections

  • Car rental loss and damage insurance1: Car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
  • Trip delay insurance2: Up to $500 per covered trip that is delayed for more than six hours; and two claims per eligible card in a 12-consecutive-month period.
  • Trip cancellation/interruption insurance2: The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.
  • Baggage insurance plan3: Baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York state residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip.
  • Premium Global Assist Hotline4: You can rely on Global Assist Hotline 24 hours a day/seven days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, the Premium Global Assist Hotline may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

Purchase protections

  • Purchase protection3: Purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits Apply.
  • Return protection5: With return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per card account, if you purchased it entirely with your eligible American Express Card. Purchases must be made in the U.S. or its territories.
  • Extended warranty3: When an American Express card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card Member account per calendar year.
  • Cell phone protection2: Coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12-month period.

See the top credit cards with travel insurance.

Lounge access

 Winner: The Platinum Card® from American Express

The Platinum Card® from American Express offers the most extensive lounge access. You’ll have access to the Global Lounge Collection, which includes over 1,400 lounges worldwide. Additionally, you’ll get complimentary access to lounge networks like the Centurion Lounges and Delta Sky Club. You can also add extra card members for a fee, and they’ll receive the same lounge access as the primary cardholder.

Both the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card still offer great lounge access. With each card, you’ll get Priority PassTM Select, granting access to over 1,300 lounges globally. The Capital One Venture X Rewards Credit Card also provides access to several exclusive Capital One airport lounges. Ultimately, it comes down to whether you’re willing to pay a higher annual fee for access to more premium lounges.

Chase Sapphire Reserve®Capital One Venture X Rewards Credit CardThe Platinum Card® from American Express
Access to Priority Pass™ Select (1300+ lounges worldwide)Access to Priority Pass™ Select and Capital One Lounges (1300+ lounges worldwide)Access to the American Express Global Lounge Collection (1400+ lounges worldwide)*
See the top credit cards with lounge access.

Travel credits

 Winner: The Platinum Card® from American Express

Although The Platinum Card® from American Express has the highest annual fee of the three cards, it also offers the most generous credits. You’ll get more than $1,000 worth of credits, which can easily offset the $695 annual fee if you think you’ll use them. In contrast, the Capital One Venture X Rewards Credit Card has a lower $395 annual fee, but you’ll get a $300 annual travel credit, which can still cover most of the annual fee.

Chase Sapphire Reserve®Capital One Venture X Rewards Credit CardThe Platinum Card® from American Express

  • Up to $300 annual travel credit

  • Up to $120 for Global Entry or TSA PreCheck or NEXUS


  • Up to $300 annual travel credit for bookings through Capital One Travel

  • Up to a $120 credit for Global Entry or TSA PreCheck


  • Up to $200 hotel credit

  • Up to $200 airline fee credit*

  • Up to $120 credit for Global Entry/TSA PreCheck*

  • Up to $199 CLEAR® Plus credit*

  • Up to $200 Uber Cash toward U.S. rides and eats (up to $15 monthly, $20 in December)*

  • Up to $155 Walmart+ credit*

  • Up to $240 digital entertainment credit*

  • Up to $100 Saks Fifth Avenue credit*
*Enrollment required for these benefits
See all of our top picks for travel credit cards.
1. Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. American Express Travel Related Services Company, Inc. offers coverage for car rental loss or damage.
2. Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
3. Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
4. Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card members may be responsible for the costs charged by third-party service providers.
5. Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
6. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
7. When an American Express® Card member charges a covered purchase to an eligible card, Extended Warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Chase Sapphire Reserve®, Capital One Venture X Rewards Credit Card, The Platinum Card® from American Express, Chase Sapphire Preferred® Card, Capital One Venture Rewards Credit Card, Bilt World Elite Mastercard®, Delta SkyMiles® Reserve American Express Card, Hilton Honors American Express Surpass® Card, Wells Fargo Active Cash® Card, Prime Visa and Chase Freedom Unlimited® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Sammi Scharf

Sammi Scharf is a staff writer at LendingTree, where she compares and reviews credit cards. She loves to help consumers make the best financial decisions and find products that match their lifestyle. Sammi entered the personal finance space in 2022, when she joined LendingTree as a web content coordinator.

Through her work, Sammi has fostered a profound knowledge of credit card products. She enjoys deep-diving into card benefits that people may not know about and helping readers see how they can leverage all the features on their credit cards to save money.

Before joining the personal finance world, Sammi worked in the home appliances and real estate spaces. She wrote product information about appliances and new homes coming to market. Her passion for explaining products to consumers and helping them tackle major financial decisions led her to personal finance writing. When Sammi is not researching and reviewing credit cards, she’s training for her next race or hitting the beach.

Specialties

  • Credit card reviews
  • Credit card comparisons
  • Rewards programs
  • Travel and travel loyalty programs

Achievements

  • 2 years of credit card reporting experience
  • Nearly 50 articles written for LendingTree
  • Helped develop LendingTree’s process for updating credit card details.

Education

  • Bachelor of Arts, Appalachian State University

Sammi’s favorite credit cards

“I’m all about cash back credit cards. I love the Wells Fargo Active Cash® Card because it’s an easy way to earn 2% cash back on everything I purchase. We’re a big Amazon household so I also love the Prime Visa. I’ve been able to use my cash back earnings to purchase furniture from Amazon for my home. Finally, the Chase Freedom Unlimited® is my favorite go-to credit card for dining out at restaurants.”

Read More

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