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The Platinum CardSapphire ReserveVenture X
metricThe Platinum CardAmerican ExpressSapphire ReserveChaseVenture XCapital One
Annual fee$695$795$395
Effective fee (after credits)$495$495$95
Statement credits$200$300$300
Signup bonus (est.)$1,600$2,000$1,350
Est. annual rewards$749$836$1,016
Net first-year value$1,654$2,041$1,971
Dining1×3×2×
Travel5×3×5×
Groceries1×1×2×
No foreign transaction fee
Lounge access
Transfer partners121210