Capital One Platinum Credit Card vs. Capital One Venture Rewards Credit Card
On the criteria below, Capital One Venture Rewards Credit Card wins 3 of 4. The verdict depends on which criteria matter to you.
Capital One Platinum Credit Card
Capital One
Capital One Venture Rewards Credit Card
Capital One
Capital One Venture Rewards Credit Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Capital One Platinum Credit Card wins on annual fee; Capital One Venture Rewards Credit Card wins on first-year math, earning ceiling, and travel insurance.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Capital One Platinum Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 3- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Platinum Credit Card
Capital One Platinum Credit Card is $95 cheaper to keep.
- Earning ceiling Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card earns more on its best category (5× vs 0×).
- Travel insurance Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- —
- $1,125
- First-year net
- +$0
- +$1,030
- Peak earning rate
- —
- 5×
- Top categories
- —
- Capital One Entertainment, Travel Portal
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- —
- Capital One Miles
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.