The Capital One Enterprise X Rewards Credit score Card and The Platinum Card® from American Specific are premium journey playing cards which cost a big annual price in change for advantages designed to make touring inexpensive and extra comfy. Nonetheless, it’s best to solely have one in your pockets, as The Platinum Card calls for a $695 annual price (see charges and charges) and the Enterprise X a $395 annual price.   

Regardless of its staggeringly excessive annual price, The Platinum Card from American Specific will present extra consolation and worth to cardholders because of its laundry listing of annual journey credit and in depth airport lounge entry. Simply make certain it suits into your journey funds and that you simply’re capable of take full benefit of all the things it has to supply. The Enterprise X nonetheless offers The Platinum Card a run for its cash, however in the long run it will probably’t compete with its spectacular profit providing.

Evaluating reward packages

Winner: Capital One Enterprise X

Needless to say, to get probably the most from both card’s rewards program, you will have to e-book most of your journey by means of their respective journey portals — American Specific Journey and Capital One Journey. 

The Platinum Card earns:

• 5x factors per greenback on flights booked immediately with airways or by means of American Specific Journey (on as much as $500,000 on these purchases per calendar yr)
• 5x factors per greenback on pay as you go resorts booked by means of American Specific Journey
• 1x level for different purchases

The Enterprise X earns:

• 10x miles per greenback for resorts & rental vehicles booked by means of Capital One Journey
• 5x miles per greenback on flights by means of Capital One Journey
• 2x miles for all the things else

Regardless of its decrease annual price, the Enterprise X provides higher rewards for resorts and rental vehicles and equal rewards for flights booked by means of Capital One Journey, and it additionally earns a better base price.

The Platinum Card would not provide probably the most profitable rewards program, however to get into the nitty gritty of what actually separates the 2 packages we’ll want to have a look at their redemption choices. Each card’s provide related redemption choices, however differ a bit of their software. 

In case you redeem Membership Rewards® factors for assertion credit with the Amex Platinum card, every level will solely equal 0.6 cent. When redeeming for airfare by means of American Specific Journey, Membership Rewards factors are price 1 cent every, however are valued at 0.7 cent for pay as you go resorts and rental vehicles. You possibly can additionally switch factors to one in every of Amex’s journey companions, most that includes a 1:1 switch price (1 Amex level = 1 associate mile).

The Enterprise X’s miles may be redeemed for previous journey purchases, used to e-book journey, or transferred to one in every of Capital One’s journey companions. By redeeming for previous journey bills at 1 cent per mile, Capital One offers you the liberty of reserving by means of whichever service you see match, whereas with The Platinum Card you will have to e-book your journey by means of American Specific Journey to get the perfect worth in your factors.

Nonetheless, Capital One has fewer home companions than American Specific, making mile transfers much less viable until you typically fly internationally. However as a result of you should buy any journey after which redeem your miles for it, the Enterprise X has higher versatility in the case of rewards and redemption than the Amex Platinum Card.  

Welcome provide

Winner: The Platinum Card

Listed below are each card’s welcome provides:

• The Platinum Card: Earn 100,000 factors after spending $6,000 on purchases within the first six months of card membership
• Enterprise X: Earn 75,000 bonus miles after spending $4,000 inside the first three months from account opening

Assuming you redeem each welcome provides in probably the most profitable choices (for airfare by means of American Specific Journey with The Platinum Card and for previous journey bills or for journey booked by means of Capital One Journey with the Enterprise X) your factors and miles, respectively, will likely be price 1 cent every. Meaning The Platinum Card’s provide equates to $1,000 in worth whereas the Enterprise X’s is price $750. You additionally do not want as excessive of a month-to-month spend to unlock The Platinum Card’s provide.

Annual charges

Winner: Capital One Enterprise X

Not a lot of a battle right here: The Enterprise X prices $395 yearly in comparison with The Platinum Card’s $695 price. It is price noting, nonetheless, that each playing cards function annual credit to assist reduce the blow of their respective charges. And for those who can make the most of all the things the Platinum Card has to supply, its perks will greater than compensate for its annual price.

Journey advantages

Winner: The Platinum Card

Whereas the Enterprise X does provide cardholders loads of additional worth in your journeys, there are only a few, if any, bank cards that supply as a lot as The Platinum Card. The Platinum Card options quite a few annual journey credit and some journey protections to spherical out its profit bundle. 

Check out how the Enterprise X stacks as much as The Platinum Card’s profit choices to see for your self how the 2 examine:

Phrases apply to American Specific advantages and provides. Enrollment could also be required for choose American Specific advantages and provides. Go to americanexpress.com to be taught extra.

It is fairly straightforward to see which card comes out on high. The Platinum Card provides a myriad of annual credit to reap the benefits of. They whole as much as $1,584 in worth, which is way and above the price of the annual price. The Enterprise X does provide a $300 annual credit score which definitely helps, however its advantages do not provide practically as a lot potential worth as that of The Platinum Card’s.

Along with the perks listed above, each playing cards embrace entry to airport lounges. The Enterprise X provides entry to Capital One Lounges (of which just one is but open, at Dallas/Fort Value Worldwide Airport) in addition to entry to over 1,400 Precedence Cross lounge and Plaza Premium airport lounges.

The Platinum Card provides cardholders entry to The International Lounge Assortment which grants complimentary admittance to over 1,400 lounges throughout 650 cities in 140 nations, so the 2 playing cards tie on this regard.

Journey portals

Winner: The Platinum Card

Each Capital One and American Specific’ journey portals provide their respective cardholders the identical options, a platform to e-book most facets of their journey (airfare, resorts, rental vehicles) and a spot to redeem their rewards for these purchases. Although Amex does provide the power to e-book cruises as effectively, that means it pulls forward right here.

The underside line

In case you can afford The Platinum Card from American Specific, it is the cardboard to decide on. Although its rewards are considerably lackluster, its advantages are greater than sufficient to make up for its staggeringly excessive annual price. Nonetheless, due to that price, it ought to solely be thought of by vacationers who’re on the highway sufficient to make use of all the things it has to supply. 

The Enterprise X remains to be a superb choice for many who do not wish to spend $695 annually as its rewards are aggressive and it nonetheless provides a handful of helpful journey perks. Ultimately it comes all the way down to your journey funds and which card you may get probably the most from.

FAQs

For charges and charges of The Platinum Card from American Specific, click on right here

*Eligibility and Profit degree varies by Card. Phrases, Circumstances, and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by Amex Assurance Firm.

**Phrases, situations, and exclusions apply. Discuss with your Information to Advantages for extra particulars.

The editorial content material on this web page is predicated solely on goal, impartial assessments by our writers and isn’t influenced by promoting or partnerships. It has not been offered or commissioned by any third get together. Nonetheless, we could obtain compensation while you click on on hyperlinks to services or products supplied by our companions.

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