Business Cards Compared: Amex Platinum vs. Capital One Venture X

Overview

Choosing the right business credit card can be tricky. Two top contenders are the Amex Business Platinum and the Capital One Venture X Business. Both offer great perks, but they cater to different needs.

Amex Business Platinum

• Annual Fee: $895
• Benefits:
• Airport lounge access
• Travel credits
• Flexible rewards
• Best For: Frequent travelers who can take advantage of its many statement credits and high spending thresholds.

Capital One Venture X Business

• Annual Fee: $395
• Benefits:
• Simpler rewards structure
• Generous welcome bonus
• Note: Lounge access policies are changing soon.
• Best For: Those who prefer simplicity and a lower fee.

Rewards Comparison

• Amex Business Platinum:
• Points can be transferred to various airline and hotel programs.
• Capital One Venture X Business:
• Miles can be used for travel or transferred to other programs.

Travel Credits

• Amex Business Platinum:
• Multiple credits, but require more effort to use.
• Capital One Venture X Business:
• Straightforward $300 annual travel credit.

Airport Lounge Access

• Amex Business Platinum:
• Access to over 1,550 lounges worldwide.
• Capital One Venture X Business:
• Access to over 1,300 lounges, but guest policies are changing.

Additional Benefits

• Both cards offer comprehensive travel insurance benefits.
• Both allow you to add employee cards, but the Amex Business Platinum charges a fee for this.

Conclusion

The best card for you depends on your business spending patterns and which perks you'll actually use.

• Amex Business Platinum: Ideal for frequent travelers who can use multiple credits.
• Capital One Venture X Business: Better for those who prefer simplicity and a lower fee.