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Amex Platinum vs Venture X

Head to head on annual fee, rewards by category, and net value over a typical year of spending.

Head to head
CategoryAmex PlatinumVenture X
  • Annual fee$895$395
  • Welcome bonus (est.)$3,500$750
  • Dining2%2%
  • Groceries2%2%
  • Gas2%2%
  • Travel2%2%
  • Online shopping2%2%
  • Entertainment2%2%
  • Transit2%2%
  • Everything else2%2%
Net annual value-$384$116

The verdict

On a typical US spending profile the Venture X comes out ahead — about $500 more in net annual value. But the winner for you depends on where you actually spend.

Before fees, Amex Platinum projects about $511 in rewards and Venture X about $511. Put your own monthly numbers in and the order can change.

FAQ's

  • On a typical US spending profile, Venture X delivers about $500 more in net annual value. Your winner depends on where you actually spend.

  • Amex Platinum: $895/year. Venture X: $395/year.

  • Flo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.