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CardMath

Comparison

Same assumptions. Side by side.

Both sides start with the same example rewards and credits — edit them, or choose cards to load their yearly fees.

Gap between the two totals

$500.00

Capital One Venture X's yearly value after the fee is $500.00 higher under these inputs.

Not a recommendation.

Capital One Venture X

-$35.00

rewards + credits − fee

American Express Platinum

-$535.00

rewards + credits − fee

Example assumptions

Same rewards and credits on both sides. Example numbers. Change them to yours.

Card A

Listed credits total $300 (checked 2026-10-04). Enter only what you’d use.

From CardMath’s verified record, checked 2026-10-04

Card B

Listed credits total $2,839 (checked 2026-10-04). Enter only what you’d use.

From CardMath’s verified record, checked 2026-10-04

Perks, as listed by American Express

  • Hotel Credit

    up to $300 semi-annually ($600/year)

    on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel; Hotel Collection requires 2+ nights

  • Uber Cash

    $15/month plus $20 in December ($200/year)

    after adding the Card to your Uber account; used on U.S. rides and orders when an Amex Card is selected for the transaction

  • Uber One Credit

    up to $120/calendar year

    after buying an auto-renewing Uber One membership with the Card

  • Airline Fee Credit

    up to $200/calendar year

    for incidental fees with one selected qualifying airline; enrollment/airline selection required

  • CLEAR+

    up to $219/calendar year

    after signing up and paying for an auto-renewing CLEAR+ membership with an eligible American Express Card

  • Resy

    up to $100/quarter ($400/year)

    for eligible purchases with Resy paid with the Card, including at qualifying U.S. Resy restaurants; enrollment required

  • Digital Entertainment

    up to $25/month ($300/year)

    for eligible purchases paid with the Card at participating partners; enrollment required

  • lululemon

    up to $75/quarter ($300/year)

    for eligible purchases with the Card at U.S. lululemon retail stores (excluding outlets) and lululemon.com; enrollment required

  • Walmart+

    up to $12.95 plus applicable taxes/month

    on one monthly Walmart+ membership (subject to auto-renewal) paid with the Card

  • Equinox

    up to $300 in statement credits each calendar year

    for an Equinox club membership or Equinox+ digital subscription paid with the Card (subject to auto-renewal), enrollment required

  • Oura Ring

    up to $200 in statement credits each calendar year

    for an Oura Ring bought at ouraring.com with the Card, enrollment required

Benefit terms state statement credits may take up to 8 weeks.

Verified 2026-10-04

How this works

Each side’s total is yearly rewards plus credits you’d actually use, minus the yearly card fee. This example uses the same rewards and credits on both sides, so the gap is zero until a fee or an amount changes.

Choosing a card replaces an example fee when CardMath has checked that card recently. A fee you already typed stays. Rewards and credits stay as you set them. Enter 0 for anything you would not use.

The gap is arithmetic under these inputs. Read the method.