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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Amex PlatinumAmerican Express | Sapphire ReserveChase | Venture XCapital One |
|---|---|---|---|
| Costs & value | |||
| Annual fee | $895 Verified by source | $795 Verified by source | $395 Verified by source |
| Realized value* | $3,104 | $2,348 | $400 |
| Net / year | +$2,209 | +$1,553 | +$5 |
| Value check | Worth knowing | Worth knowing | Earns its keep |
| Rewards | points | points | miles |
| Cash advance (ATM) | Either $10 or 5% of each advance, whichever is greater Inferred by source | Either $10 or 5% of each advance, whichever is greater Inferred by source | 5% of each advance, minimum $5 Inferred by source |
| LoungesFull breakdown → | |||
| Networks | Delta Sky Club · 26flying Delta Priority Pass · 328enroll PP | Priority Pass · 336enroll PP | Priority Pass · 336enroll PP |
| Points & MilesFull breakdown → | |||
| Earn rates | 5× Flights (direct or Amex Travel) Inferred by source 5× Prepaid hotels via Amex Travel Inferred by source 1× Everything else Inferred by source | 8× Chase Travel (flights, hotels, rentals) Verified by source 4× Flights booked direct Verified by source 4× Hotels booked direct Verified by source 3× Dining worldwide Verified by source 1× Everything else Verified by source | 10× Hotels & rental cars via Capital One Travel Inferred by source 5× Flights & vacation rentals via Capital One Travel Inferred by source 5× Capital One Entertainment Verified by source 2× Everything else Inferred by source |
| Redemption ValueFull breakdown → | |||
| Portal value | 1¢ per pt Estimated by source | 1¢ per pt Verified by source | 1¢ per pt Inferred by source |
| Hotel PerksFull breakdown → | |||
| Fine Hotels & Resorts | Included Estimated by source | — | — |
| The Hotel Collection | Included Estimated by source | — | — |
| Marriott Bonvoy Gold Elite | Included Estimated by source | — | — |
| Hilton Honors Gold | Included Estimated by source | — | — |
| The Edit (Luxury Hotel & Resort Collection) | — | Included Verified by source | — |
| IHG One Rewards Platinum Elite | — | Included Verified by source | — |
| World of Hyatt Explorist | — | Included Verified by source | — |
| IHG One Rewards Diamond Elite | — | Included Verified by source | — |
| Premier Collection | — | — | Included Verified by source |
| Lifestyle Collection | — | — | Included Verified by source |
| CreditsFull breakdown → | |||
| Credits | 12 credits · $3,104/yr | 11 credits · $2,348/yr | 2 credits · $400/yr |
| ProtectionsFull breakdown → | |||
| Rental car CDW | Up to $75,000 theft/damage Inferred by source | Up to $75,000 (primary) Verified by source | Up to $75,000 (primary) Inferred by source |
| Trip delay | Up to $500/trip (>6 hrs), max 2 trips/12 months Inferred by source | Up to $500/traveler Verified by source | Up to $500/passenger (>6 hours or overnight) Inferred by source |
| Trip cancellation | Up to $10,000/trip, $20,000/12 months Inferred by source | Up to $10,000/person, $20,000/trip Verified by source | Up to $2,000/person (nonrefundable common-carrier tickets) Inferred by source |
| Baggage | Checked $2,000 / carry-on $3,000 per person Inferred by source | Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler Verified by source | Up to $3,000/passenger lost/damaged Inferred by source |
| Purchase protection | Up to $10,000 per item, $50,000/calendar year; accidental damage, theft, or loss for 90 days from purchase Verified by source | Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) Verified by source | Up to $10,000/claim, $50,000/year; damage or theft of eligible new purchases within 90 days of purchase Verified by source |
| Extended warranty | Adds up to 1 year to original manufacturer's warranty of 5 years or less; up to $10,000/item, $50,000/year per account Verified by source | Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account Verified by source | Extends eligible manufacturer warranties of 3 years or less by 1 additional year; max $10,000/claim, $50,000/account/year Verified by source |
| Return protection | Up to $300/item, $1,000/year if merchant refuses return within 90 days; item must be in original condition Verified by source | Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period Verified by source | Up to $300/item, $1,000/year when retailers refuse returns within 90 days Verified by source |
| Emergency evacuation | Complimentary emergency medical transportation coordinated through the Premium Global Assist Hotline when 100+ miles from home; no stated dollar cap Verified by source | Up to $100,000 Inferred by source | — |
| Roadside assistance | Free towing up to 10 miles ($3/additional mile), jump-start, lockout, flat tire change (with workable spare), winching, up to 2 gallons fuel — up to 4x/year at no cost Verified by source | $50/incident, up to 4x/year (US & Canada) Inferred by source | — |
| Travel accident | — | Up to $1,000,000 accidental death and dismemberment while traveling Verified by source | Up to $1,000,000 Inferred by source |
| Cell phone protection | — | — | Up to $800/claim (max 2 claims, $1,600/12-month period) for damage, theft, or loss; $50 deductible; monthly bill must be paid with card Verified by source |
| Foreign Tx FeesFull breakdown → | |||
| Fee | None Verified by source | None Verified by source | None Verified by source |
| Apply & freshness | |||
| Data last verified | Aug 3, 2026 | Aug 2, 2026 | Aug 1, 2026 |
| Apply | Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it